Minimum Coverage Requirements in Vermont
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. 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.
How Much Does Car Insurance Cost in Vermont?
High-risk auto insurance rates in Vermont vary widely based on the type of violation, time since the incident, and driver history. A DUI conviction typically increases premiums by 150–300%, while a single at-fault accident may add 40–80%. Vermont's rural geography and harsh winters also contribute to higher collision and comprehensive costs for all drivers, but high-risk drivers face compounded increases due to limited carrier competition in the non-standard market.
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
- Payment method: Paying in full or enrolling in autopay may reduce rates by 5–10% with some non-standard carriers
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
