Updated March 2026
State Requirements
Vermont requires minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. The state also mandates $50,000 per person and $100,000 per accident in uninsured/underinsured motorist coverage unless you reject it in writing. SR-22 filing is required for DUI convictions, license suspensions for points or violations, at-fault accidents without insurance, and refusing a chemical test. High-risk drivers often need policies that exceed these minimums to satisfy reinstatement requirements or protect against judgment liability.
Cost Overview
High-risk auto insurance in Vermont costs $2,400–$4,800 annually depending on violation type, driving history, and coverage level—approximately 80–200% more than standard rates. DUI convictions carry the steepest increases, followed by at-fault accidents and multiple moving violations. Rates decrease as violations age off your record, typically after 3–5 years, and completing a driver improvement course or maintaining SR-22 compliance without lapses can accelerate rate reductions.
What Affects Your Rate
- Violation type: DUI convictions increase rates 100–150%; at-fault accidents 40–80%; speeding violations 20–40%
- SR-22 filing status: 3-year requirement signals higher risk to insurers and limits carrier options to non-standard market
- Location: Urban areas like Burlington average 15–25% higher rates than rural counties due to accident frequency and theft
- Vehicle type: Sports cars, luxury vehicles, and high-performance models face additional surcharges of 20–50% in non-standard market
- Coverage history: Lapses or cancellations within the past 12 months add 25–60% to premiums on top of violation surcharges
- Age and experience: Drivers under 25 with high-risk violations face compounded increases of 150–250% over standard rates
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Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous liability coverage. Required for 3 years after DUI, suspension, or uninsured accident in Vermont. Filing fee is $15–$35, but the policy itself costs $2,400–$4,800/year depending on violation.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, multiple violations, or poor credit who cannot qualify for standard market coverage. Non-standard carriers in Vermont include regional and national companies specializing in high-risk profiles.
Liability Insurance
Covers injuries and property damage you cause to others. Vermont's 25/50/10 minimums are low for serious accidents—high-risk drivers with assets should consider 100/300/50 or higher to avoid personal liability.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage. Vermont mandates 50/100 UM/UIM minimums—higher than most states—and SR-22 filers cannot reject this coverage.
Full Coverage Auto Insurance
Liability plus collision and comprehensive. Required by lenders and recommended for financed vehicles or cars valued over $10,000. High-risk drivers face 60–100% higher collision premiums after at-fault accidents.
DUI Insurance
Specialized coverage for drivers convicted of DUI or DWI. Vermont requires SR-22 filing for all DUI convictions, and rates remain elevated for 5–7 years until the conviction clears from your driving record.
