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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, at-fault accidents without insurance, license suspensions for excessive points, or violations resulting in serious injury typically face SR-22 filing requirements. The Vermont Department of Motor Vehicles mandates SR-22 certification for approximately 3 years following qualifying offenses. Uninsured motorist coverage is required at the same limits as your liability policy unless you decline in writing.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate your insurer files with Vermont DMV proving you carry continuous coverage. Vermont requires SR-22 for approximately 3 years, and any lapse in coverage restarts the clock and triggers license suspension.

Liability Insurance

Vermont's 25/50/10 minimums are among the lowest in the nation and insufficient for most serious accidents. High-risk drivers should consider 100/300/100 limits to protect assets, particularly since Vermont allows injured parties to sue for amounts exceeding your policy limits.

Uninsured Motorist Coverage

Vermont requires uninsured motorist coverage at the same limits as your liability policy unless you reject it in writing.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles including DUI, suspended licenses, lapsed coverage, and multiple violations. Vermont drivers typically access non-standard coverage through regional carriers and specialty writers who file SR-22 certificates.

Full Coverage

Full coverage combines liability, comprehensive, and collision protection. Vermont's winter weather and rural roads make comprehensive coverage particularly valuable for deer strikes and weather-related damage, which won't restart your SR-22 clock if filed as comprehensive claims.

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

  • SR-22 filing duration: 3-year requirement means elevated rates for the full monitoring period
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Coverage Types

SR-22 Insurance

Certificate proving continuous coverage filed with Vermont DMV. Required for 3 years after DUI, suspended license, or uninsured accident.

Non-Standard Auto Insurance

Specialized coverage for drivers with DUI, violations, lapses, or suspensions who cannot obtain standard market policies.

Liability Insurance

Covers injury and property damage you cause to others. Vermont requires 25/50/10 minimums, but serious accidents easily exceed these limits.

Full Coverage

Liability plus comprehensive and collision protection for your own vehicle. Required by lenders for financed or leased vehicles.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Vermont requires this coverage unless you decline in writing.

Collision Coverage

Pays to repair your vehicle after an accident regardless of fault. Required by lenders but optional if you own your vehicle outright.

Find Your City in Vermont

Burlington

suburban

Essex

suburban

South Burlington

suburban

Colchester

suburban

Rutland

urban