Updated March 2026
State Requirements
Vermont requires minimum liability coverage of 25/50/10: $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage. 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.
Cost Overview
High-risk auto insurance premiums in Vermont vary significantly based on violation type, age, location, and vehicle. Drivers with DUI convictions typically see rates increase 80–150% compared to clean-record drivers, while at-fault accidents increase premiums 40–70% and speeding tickets 20–40%. Vermont's point system assesses 2–5 points per violation, and accumulating 10 points within 2 years triggers license suspension — a threshold that significantly impacts insurance eligibility and cost.
What Affects Your Rate
- Violation type and severity — DUI increases rates 80–150%, at-fault accidents 40–70%, speeding tickets 20–40%
- 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
- Age and experience — drivers under 25 with violations face compounded surcharges, often 100–200% above clean-record peers
- Carrier specialization — non-standard carriers vary widely in how they rate different violation types, making shopping critical
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
