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Vermont SR-22 Insurance & High-Risk Coverage

Vermont requires 25/50/10 liability coverage and is an at-fault state.

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Vermont at a Glance

25/50/10

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

PIP and Uninsured motorist coverage must be on every policy

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Vermont

Drivers with DUI convictions, at-fault accidents while uninsured, multiple serious violations, or license suspensions typically must file SR-22 proof of insurance with the Vermont Department of Motor Vehicles. The SR-22 requirement generally lasts 3 years from the date of violation or license reinstatement. Missing even one day of coverage during this period typically restarts the 3-year clock.

Liability Insurance

Vermont's minimum liability limits are among the lowest in the country and may not cover damages in a serious accident. High-risk drivers often face the full financial gap between actual damages and their policy limits, which can lead to wage garnishment or asset seizure. Many SR-22 filers carry 50/100/50 or higher to reduce personal exposure given their already elevated risk profile.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate filed by your insurer to verify continuous coverage. In Vermont, the Vermont Department of Motor Vehicles requires SR-22 filing for DUI offenses, accumulating 10 or more points within 2 years, driving while suspended, or causing an accident without insurance. If your policy lapses for any reason during the SR-22 period, your insurer must notify the DMV within 10 days, and your license is typically suspended until you file a new SR-22 and restart the 3-year requirement.

Uninsured Motorist Coverage

Vermont mandates uninsured motorist bodily injury coverage at the same limits as your liability policy, with a minimum of 25/50. This protects you if you're hit by a driver without insurance or a hit-and-run driver. High-risk drivers benefit from carrying higher UM limits because they often cannot afford out-of-pocket medical costs on top of elevated premium payments.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance. Lenders require it on financed vehicles, and high-risk drivers with loans face premium increases on all three components.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers and SR-22 filers who are declined by preferred insurers. These carriers charge higher base rates but offer flexible payment plans and same-day SR-22 filing. In Vermont, availability is concentrated in Burlington, Rutland, and the Champlain Valley, with some rural areas requiring appointment of a surplus lines broker for placement.

What Drivers Pay in Vermont

$155–$172/mo

Typical monthly rate in Vermont, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Type of violation: DUI convictions typically carry the highest surcharges, followed by reckless driving, multiple at-fault accidents, and suspended license incidents
  • Time since violation: Rates decrease gradually over 3–5 years if you maintain clean driving and continuous coverage
  • Location: Burlington and Chittenden County have more carrier options and slightly lower rates than rural counties where non-standard market availability is limited
  • SR-22 filing duration: Drivers in year 2 or 3 of their SR-22 period often see lower rates than new filers as they demonstrate stability
  • Vehicle type: High-value vehicles, trucks, and SUVs cost more to insure for high-risk drivers due to increased collision and comprehensive exposure
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Coverage Types

SR-22 Insurance

Certificate filed by your insurer to verify continuous coverage to the Vermont DMV. Required after DUI, suspended license, uninsured accidents, or multiple serious violations.

Non-Standard Auto Insurance

Coverage from carriers specializing in high-risk drivers who are declined by standard insurers. Offers flexible payment plans and same-day SR-22 filing.

Liability Insurance

Covers injuries and property damage you cause to others in an at-fault accident. Vermont requires 25/50/10 minimums, but high-risk drivers often carry higher limits to protect assets.

Full Coverage

Combines liability, collision, and comprehensive to cover your vehicle and others. Required by lenders and recommended for vehicles worth over $5,000.

Uninsured Motorist Coverage

Protects you if you're hit by a driver without insurance or in a hit-and-run. Vermont requires UM at the same limits as your liability policy.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Required by lenders on financed vehicles.

Find Your City in Vermont

Burlington

suburban

Essex

suburban

South Burlington

suburban

Colchester

suburban

Rutland

urban