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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 violations, at-fault accidents while uninsured, or repeat offenses typically must file SR-22 proof of insurance with the Vermont Department of Motor Vehicles. SR-22 filing demonstrates continuous coverage and remains active for the entire compliance period—typically 3 years from the date of reinstatement. High-risk drivers often need coverage above state minimums to secure policy acceptance from non-standard carriers.

Liability Insurance

Many non-standard carriers require higher liability limits (50/100/25 or 100/300/50) to write high-risk drivers, especially those with prior at-fault accidents. Carrying only minimum limits may also limit your access to competitive carriers during your SR-22 period.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate filed electronically by your carrier to the Vermont DMV confirming you maintain continuous coverage. If your policy lapses for any reason during this period, your carrier notifies the DMV within 10 days, your license is suspended, and the 3-year requirement clock resets from the date you reinstate coverage.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles including DUI convictions, multiple violations, lapses, and SR-22 filings. Progressive, The General, and regional non-standard carriers frequently write Vermont SR-22 policies, though availability and pricing vary widely by individual risk factors.

Uninsured Motorist Coverage

Vermont requires insurers to offer uninsured/underinsured motorist (UM/UIM) coverage matching your liability limits unless you decline it in writing. UM/UIM protects you if you're hit by a driver with no insurance or insufficient coverage—particularly relevant in Vermont where approximately 1 in 12 drivers is uninsured.

Full Coverage

Full coverage combines liability, comprehensive, and collision insurance to protect both your liability exposure and your vehicle's value.

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

  • Vehicle type: insuring a newer or high-value vehicle with full coverage costs significantly more for high-risk drivers due to higher collision and comprehensive premiums
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Coverage Types

SR-22 Insurance

Electronic certificate filed by your carrier to the Vermont DMV proving you maintain continuous coverage. Required for DUI, suspensions, and uninsured accidents.

Non-Standard Auto Insurance

Policies designed for drivers with DUI, violations, lapses, or SR-22 requirements. Non-standard carriers accept higher-risk profiles that standard carriers decline.

Liability Insurance

Covers injuries and property damage you cause to others. Vermont's 25/50/10 minimum is the legal floor but may be insufficient for serious accidents.

Full Coverage

Combines liability, comprehensive, and collision to protect your vehicle and your liability exposure. Required if you finance or lease your vehicle.

Uninsured Motorist Coverage

Protects you if you're hit by a driver with no insurance or insufficient coverage. Vermont requires insurers to offer it; you can decline in writing.

Collision Coverage

Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders and optional otherwise.

Find Your City in Vermont

Burlington

suburban

Essex

suburban

South Burlington

suburban

Colchester

suburban

Rutland

urban