Vermont SR-22 & High-Risk Auto Insurance
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, license suspensions for multiple violations, at-fault accidents while uninsured, or habitual offender status typically must file SR-22 certification with the Vermont Department of Motor Vehicles to prove continuous coverage. SR-22 is not insurance itself — it's a filing your insurer submits to verify you carry at least state minimums.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
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
- Time since violation: Rates decline as violations age, with significant drops at 3- and 5-year marks
- Geographic location: Urban areas like Burlington see higher rates due to accident frequency and theft risk
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving you maintain continuous liability coverage. Required for 3 years after DUI convictions, suspensions, or uninsured accidents in Vermont.
Non-Standard Auto Insurance
Coverage from carriers that specialize in high-risk drivers. Offers SR-22 filing and accepts drivers declined by standard insurers due to DUI, suspensions, or multiple violations.
Liability Insurance
Covers injuries and property damage you cause to others. Vermont requires 25/50/10 minimums, but higher limits protect you from personal liability in serious accidents.
Full Coverage
Combines liability, comprehensive, and collision to protect both you and your vehicle. Required by lenders and practical for financed or newer vehicles.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when an at-fault driver has no insurance. Vermont insurers must offer this coverage, though it's not required.
High-Risk Auto Insurance
Policies designed for drivers with DUI, suspensions, lapses, or multiple violations. Rates are higher, but coverage meets SR-22 filing requirements and maintains legal driving status.