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Vermont SR-22 & High-Risk Auto Insurance

Vermont requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing period typically lasts 3 years and costs $15–$35, but high-risk premiums average $2,100–$4,200 annually depending on violation type. Non-standard carriers operating in Vermont include Progressive, The General, and National General.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

State Requirements

Vermont requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage (25/50/10). The state also mandates $50,000/$100,000 uninsured motorist coverage unless rejected in writing. SR-22 filing is triggered by DUI convictions, suspensions for accumulated violations, at-fault accidents without insurance, and driving without valid coverage. High-risk drivers should understand that state minimums rarely provide adequate protection after a second violation.

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$25,000/$50,000/$10,000
Liability Insurance
Vermont's 25/50/10 minimums are mandatory but leave significant exposure after a serious at-fault accident. High-risk drivers face higher premiums regardless of limit, and choosing 100/300/100 adds modest cost while protecting assets if another incident occurs. Vermont allows insurers to non-renew policies after claims, making adequate limits critical for drivers with prior violations.
State minimums (25/50/10)
SR-22 Insurance
SR-22 is not a separate policy but a certificate proving continuous coverage filed by your insurer to the Vermont DMV. The certificate itself costs $15–$35, but premiums increase substantially due to the underlying violation. Missing a payment or letting coverage lapse during the 3-year filing period resets the clock and triggers immediate license suspension.
$50,000/$100,000 (unless rejected)
Uninsured Motorist Coverage
Vermont requires UM/UIM coverage at 50/100 minimums unless you sign a written rejection. This coverage is particularly valuable for high-risk drivers, as a second at-fault accident can lead to policy cancellation, and UM coverage protects you if hit by someone without insurance. Approximately 6% of Vermont drivers are uninsured, meaning one in seventeen vehicles on the road carries no coverage.
Not required
Comprehensive Coverage
Comprehensive covers non-collision damage like theft, vandalism, and animal strikes. Vermont's rural character means deer collisions are common, particularly in counties like Addison and Windsor. Lenders require comprehensive if you finance a vehicle, and high-risk drivers with recent DUIs should maintain it to avoid out-of-pocket costs that could lead to another coverage lapse.
Not required
Collision Coverage
Collision covers damage to your vehicle in an at-fault accident. Required by lienholders, it's optional for drivers who own their cars outright. For high-risk drivers with recent at-fault accidents, collision coverage protects against replacement costs if another incident occurs, though deductibles for non-standard policies often start at $1,000.
State-Mandated Minimum Coverage · Vermont

Vermont Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$10,000

License Reinstatement Fee$96

Meeting the state minimum keeps you legal. See whether it's enough — get your Vermont quote.

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Cost Overview

High-risk auto insurance in Vermont costs significantly more than standard policies, with premiums varying based on violation type, geographic area, and carrier. DUI convictions typically increase rates by 85–140%, while at-fault accidents raise premiums by 40–70%. Vermont's smaller insurer market and rural geography limit competition for high-risk drivers, often resulting in higher base rates than neighboring states.

What Affects Your Rate

  • Violation type: DUI convictions increase rates 85–140%, while multiple speeding tickets raise premiums 30–60%
  • Time since incident: Rates decrease 10–20% annually as violations age, with most surcharges dropping after 3–5 years
  • County of residence: Chittenden County drivers face higher rates due to traffic density, while rural counties see lower base premiums but limited carrier options
  • Credit history: Vermont allows credit-based insurance scoring, and poor credit combined with a DUI can triple rates compared to clean-record drivers
  • Vehicle type: High-performance and luxury vehicles carry 30–50% higher premiums for high-risk drivers due to repair costs and theft rates
  • SR-22 filing status: The filing itself adds $15–$35, but the underlying violation increases annual premiums by $1,200–$3,000 depending on severity
Minimum Coverage
$175–$350/mo
State-required 25/50/10 liability limits with SR-22 filing for a driver with one DUI or major violation. Reflects non-standard carrier pricing in Vermont's limited high-risk market.
Standard Coverage
$240–$475/mo
Enhanced liability limits of 100/300/100 plus uninsured motorist coverage for drivers with SR-22 requirements. Adds meaningful protection for assets and future insurability.
Full Coverage
$310–$625/mo
Comprehensive and collision coverage added to enhanced liability, required for financed vehicles. High deductibles ($1,000–$2,500) are standard for high-risk profiles, and rates reflect increased claim probability for drivers with recent violations.

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Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others in an at-fault accident. Vermont's 25/50/10 minimums leave substantial exposure if you injure multiple people or damage expensive property.

SR-22 Filing

Certificate proving you maintain continuous liability coverage, filed electronically by your insurer to the Vermont DMV. Required for 3 years following DUI, suspensions, or uninsured accidents.

Uninsured Motorist Coverage

Protects you if hit by a driver with no insurance or insufficient coverage. Vermont requires 50/100 minimums unless you reject coverage in writing.

Comprehensive Coverage

Covers non-collision damage including theft, vandalism, weather events, and animal strikes. Required by lenders if you finance your vehicle.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the damage. Required if you have a car loan or lease.

Non-Standard Auto Insurance

Specialized coverage for drivers with DUIs, suspensions, or multiple violations who cannot qualify for standard market policies. Fewer carriers and higher premiums reflect increased risk.

Find Your City in Vermont

Burlington, Vermont cityscape and street view

Burlington

suburban
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Essex

suburban
South Burlington, Vermont cityscape and street view

South Burlington

suburban
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Colchester

suburban
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Rutland

urban

Frequently Asked Questions

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