After SR-22 Insurance
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Vermont SR-22 Insurance After DUI & Suspensions

Vermont requires 25/50/10 liability coverage and is an at-fault state.

Find Affordable Coverage After SR-22

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

$96

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Vermont

The Vermont Department of Motor Vehicles mandates SR-22 certificate filing for DUI convictions, multiple violations within 12 months, license suspensions, and uninsured accidents. High-risk drivers often need higher limits than state minimums to secure non-standard coverage, as many carriers require 50/100/50 or greater for post-violation policies. Once your SR-22 requirement ends, the DMV sends no notification — you must proactively request removal and shop for standard coverage to see rates drop.

Bodily Injury Liability

Covers injuries you cause to others in an at-fault accident. Post-SR22 drivers shopping for standard coverage find that carriers often discount policies with 50/100 or 100/300 limits more aggressively than minimum-limit policies, making higher limits cost-effective during rate recovery.

Property Damage Liability

Covers damage you cause to another person's vehicle or property.

Uninsured/Underinsured Motorist Coverage

Vermont law requires insurers to offer UM/UIM coverage at the same limits as your liability policy, though you can reject it in writing. Post-SR22 drivers who carry UM/UIM at 50/100 or higher protect themselves from uninsured at-fault drivers without triggering their own liability coverage, keeping their newly clean record intact.

Comprehensive Coverage

Covers non-collision losses like theft, vandalism, weather damage, and animal strikes — Vermont sees high deer collision rates in rural counties, with peak activity October through December.

Collision Coverage

Covers damage to your vehicle in an at-fault accident or single-vehicle crash, regardless of fault. Post-SR22 drivers often drop collision on older vehicles to reduce premiums during the rate recovery period, then add it back once rates normalize to standard levels 3–5 years post-filing.

What Drivers Pay in Vermont

$243–$259/mo

Typical monthly rate in Vermont, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • Carrier type — non-standard insurers charge higher base rates but accept high-risk profiles; transitioning to standard carriers post-SR22 delivers the largest rate reductions
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Your SR-22 Is Over. Your Rate Should Drop Too

Find Affordable Coverage After SR-22

If your license is suspended

Ignition Interlock Device Restricted Drivers License (RDL)

application fee $125.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others in an at-fault accident. Vermont requires 25/50/10 minimums, but post-SR22 drivers benefit from carrying 50/100/50 or higher to access better standard-market carriers once filing ends.

Full Coverage

Combines liability, comprehensive, and collision coverage to protect both your legal obligation and your vehicle. Required by lenders if financing, and valuable for vehicles worth over $5,000 even during high-premium SR-22 periods.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance or insufficient coverage. Vermont requires insurers to offer UM/UIM at the same limits as your liability policy, and you must reject it in writing to decline.

Comprehensive Coverage

Covers non-collision losses like theft, vandalism, weather damage, glass breakage, and animal strikes. Not required by Vermont but often mandated by lenders with deductibles of $500–$1,000.

SR-22 Insurance

A certificate filed by your insurer proving continuous coverage to the Vermont DMV. Required for 3 years following DUI, suspended license violations, or uninsured accidents. The filing itself costs $15–$35, but underlying high-risk premiums increase significantly.

Non-Standard Auto Insurance

Coverage designed for high-risk drivers who don't qualify for standard policies due to violations, lapses, or SR-22 requirements. Non-standard carriers accept risk that standard carriers decline but charge 50–100% higher base rates.

Find Your City in Vermont

Burlington

suburban

Essex

suburban

South Burlington

suburban

Colchester

suburban

Rutland

urban