Points On License Insurance
Get a Quote

Vermont SR-22 & High-Risk Auto Insurance

Vermont requires SR-22 filing for DUI convictions, license suspensions, and certain violations. The filing requirement typically lasts 3 years and costs $15–$25 to file, but high-risk premiums average $200–$400/mo ($2,400–$4,800/year) depending on violation type and driving history.

Vermont cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Vermont

Vermont requires minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident, and $10,000 for property damage. The Vermont Department of Motor Vehicles mandates SR-22 certificate filing for drivers with DUI convictions, license suspensions for serious violations, multiple at-fault accidents, or driving uninsured. Vermont uses a point system where accumulating 10 points in 2 years triggers license suspension, and uninsured motorist coverage is required at the same limits as liability.

How Much Does Car Insurance Cost in Vermont?

High-risk auto insurance in Vermont costs $2,400–$4,800/year ($200–$400/mo) on average, compared to $900–$1,500/year for clean-record drivers. DUI convictions carry the highest surcharges, increasing premiums 200–300%, while at-fault accidents and speeding violations typically raise rates 40–100%. Rates decline gradually after 3–5 years without new violations, and transitioning from non-standard to standard carriers accelerates savings.

Minimum Liability
State-minimum 25/50/10 coverage for high-risk drivers. Lowest legal option but leaves you financially exposed in serious accidents and does not cover your own vehicle damage.
Standard Liability
Higher liability limits (50/100/50 or 100/300/100) plus uninsured motorist coverage. Protects your assets better than minimums and costs 20–35% more for high-risk profiles.
Full Coverage
Liability plus collision and comprehensive for financed or leased vehicles. High-risk collision premiums reflect increased accident risk, and $500–$1,000 deductibles are common to reduce monthly cost.

What Affects Your Rate

  • Violation type: DUI increases premiums 200–300%, at-fault accidents 40–80%, major speeding 25–50%
  • SR-22 filing status: adds $15–$25 filing cost plus non-standard carrier surcharges of 50–100%
  • Point accumulation: 6–9 points raises rates 30–60%; 10+ points triggers suspension and non-standard market placement
  • Coverage level: full coverage costs 100–150% more than liability-only for high-risk drivers
  • Time since violation: rates drop 10–20% per year after 3 years clean with no new incidents
  • Carrier type: non-standard carriers charge 50–150% more than standard market but often the only option immediately after major violations

Compare Auto Insurance Rates in Vermont

Find Your City in Vermont

Burlington, Vermont cityscape and street view

Burlington

suburban
Sunset beach scene with lifeguard station, calm ocean, and golden sky reflecting on water

Essex

suburban
South Burlington, Vermont cityscape and street view

South Burlington

suburban
Peaceful sunset over calm lake with mountain silhouettes and golden sky reflections on water

Colchester

suburban
Aerial view of golden sunset over forested hills with dramatic orange and pink sky

Rutland

urban

Sources

  • Vermont Department of Motor Vehicles — SR-22 Requirements and Reinstatement Procedures
  • Vermont Department of Financial Regulation — Insurance Division Coverage Requirements
  • Vermont Driver License Point System — Official DMV Handbook

Get Your Free Quote in Vermont