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
State Requirements
The state also mandates uninsured motorist coverage at the same 25/50/10 limits. SR-22 filing is required following DUI convictions, major license suspensions, and at-fault accidents while uninsured. Standard traffic violations like speeding tickets or at-fault accidents with valid insurance typically add points to your license but do not trigger SR-22 requirements — though they will increase your premiums.
Liability Insurance
Uninsured Motorist Coverage
SR-22 Insurance
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$155–$172/mo
Typical monthly rate in Vermont, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Point total and proximity to Vermont's 10-point suspension threshold within a 2-year period
- SR-22 filing requirement and duration remaining on the 3-year obligation
- Location within Vermont — Burlington and South Burlington see higher rates due to traffic density, while rural areas may see lower base rates but fewer carrier options
- Carrier specialization — non-standard carriers vary widely in how they rate different violation types, making shopping critical
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long do points stay on my license in Vermont?
Points from traffic violations remain on your Vermont driving record for 2 years from the date of conviction. After 2 years, points drop off automatically and no longer count toward the 10-point suspension threshold, though the underlying violations may remain visible to insurers for 3–5 years and continue to affect premiums during that time.
What happens if I get 10 points in Vermont?
Accumulating 10 or more points within a 2-year period in Vermont triggers an automatic license suspension. The suspension length varies based on your point total and prior suspension history, but typically ranges from 30 days to several months. You will likely need SR-22 filing to reinstate your license, and your insurance rates will increase significantly due to the suspension.
How long does SR-22 last in Vermont?
Vermont requires SR-22 filing for 3 years from the date of filing. The requirement must remain active without any lapses during that period. If your insurance lapses or is cancelled, the Vermont DMV is notified within 10 days, your license is suspended immediately, and the 3-year SR-22 period restarts from when you refile.
Coverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your carrier with the Vermont DMV proving you maintain minimum liability and uninsured motorist coverage. Required for DUI, major suspensions, and uninsured accidents for 3 years without lapse.
Non-Standard Auto Insurance
Policies designed for drivers with violations, accidents, DUIs, or SR-22 requirements who cannot qualify for standard carrier rates. Non-standard insurers specialize in high-risk profiles and offer access when preferred carriers decline.
Liability Insurance
Covers injury and property damage you cause to others in an at-fault accident. Vermont's 25/50/10 minimum is often inadequate for serious crashes, and higher limits can reduce long-term financial risk and improve insurability.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance, covering your medical expenses and vehicle damage. Vermont mandates this coverage at 25/50/10 limits, same as liability.
Full Coverage
Combines liability, collision, and comprehensive, protecting both your legal obligations and your own vehicle. Essential if financing or leasing, and advisable in Vermont due to winter weather and road hazards.
Collision Coverage
Pays for damage to your vehicle from an at-fault accident or collision with an object, regardless of fault. Required by lenders and critical for drivers with financed vehicles.