Points On License Insurance
Get a Quote
A close-up of orange maple leaves on a branch beside a curving dirt road, with a white farmhouse and autumn trees blurred in the background under a cloudy sky.

Vermont SR-22 & High-Risk Auto Insurance

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

Find Carriers That Accept Points

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

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.

Liability Insurance

After a DUI or suspension, many standard carriers non-renew policies, forcing drivers into the non-standard market where liability premiums reflect violation severity and SR-22 filing status.

SR-22 Insurance

SR-22 is not insurance but a certificate filed by your carrier proving continuous coverage to the Vermont DMV. Required after DUI, suspension, or major violations, it typically lasts 3 years.

Uninsured Motorist Coverage

Vermont requires uninsured/underinsured motorist coverage at the same limits as your liability policy unless you reject it in writing. For high-risk drivers, this coverage protects you when an at-fault driver has no insurance or inadequate limits — critical because you cannot afford another uncovered loss that could raise your rates further or trigger another violation.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles: DUI, multiple violations, lapses, or SR-22 requirements. After 2–3 years of continuous coverage without new violations, many drivers qualify to transition back to standard carriers at lower rates, making non-standard insurance a bridge, not a permanent solution.

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

A woman in a black top, dark jeans and black ankle boots walks across a wet parking lot at night, carrying a brown shoulder bag and keys, with a lit building, parked cars and a streetlight behind her.

Stop Overpaying While Your Points Fade

Find Carriers That Accept Points

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Vermont requires 25/50/10 minimums, but a single serious accident can generate $100,000+ in claims, leaving you personally liable for the difference if you carry only minimums.

Full Coverage

Combines liability, collision, and comprehensive. Required by lenders if you finance or lease your vehicle, but optional if you own outright. Protects your vehicle in addition to covering others' damages.

SR-22 Insurance

SR-22 is a certificate your insurer files with the Vermont DMV proving you carry continuous coverage. Required after DUI, suspension, or major violations, typically for 3 years. Any lapse triggers immediate license suspension.

Non-Standard Auto Insurance

Non-standard carriers write policies for drivers rejected by standard insurers: DUI, lapses, multiple violations, or SR-22 requirements. Rates are higher but coverage is available when major carriers decline you.

Uninsured Motorist Coverage

Covers your injuries and damages when an at-fault driver has no insurance or insufficient limits. Vermont requires this coverage at the same limits as your liability unless you reject it in writing.

Collision Coverage

Pays for damage to your vehicle after an accident, regardless of fault. Required by lenders but optional if you own your car. High-risk drivers face collision premiums 100–200% above standard rates.

Find Your City in Vermont

Burlington

suburban

Essex

suburban

South Burlington

suburban

Colchester

suburban

Rutland

urban