Minimum Coverage Requirements in Vermont
Vermont requires liability minimums of 25/50/10: $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage. SR-22 filing is typically required after DUI convictions, license suspensions for points or violations, and uninsured accidents. Drivers with points from speeding tickets or at-fault accidents usually do not need SR-22 but will see rate increases that can last 3–5 years. Vermont uses a point system where accumulating 10 or more points in 24 months triggers license suspension.
How Much Does Car Insurance Cost in Vermont?
Vermont high-risk auto insurance premiums are driven by violation type, points on your license, and claims history. Drivers with a single speeding ticket typically see rate increases of 15–30%, while DUI convictions can triple premiums. Rates stay elevated for 3–5 years after a violation, though non-standard carriers and rate recovery programs can lower costs over time as points fall off your record.
What Affects Your Rate
- Type of violation: DUI increases rates 150–250%, reckless driving 80–150%, speeding tickets 15–30%
- Number of points on license: Vermont's point system assigns 2–8 points per violation; 10+ points triggers suspension
- At-fault accidents in the past 3 years: first accident raises rates 40–60%, second accident can double premiums again
- SR-22 filing requirement: adds $15–$35 filing cost plus 20–40% premium increase due to high-risk classification
- Age and location: drivers under 25 with violations pay 50–100% more; Burlington and South Burlington have higher collision rates than rural areas
- Credit history: Vermont allows credit-based insurance scoring, which can add 20–50% to premiums for drivers with poor credit and violations
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
Liability Insurance
Covers injuries and property damage you cause to others. Required by law and forms the base of every SR-22 policy in Vermont.
Full Coverage
Combines liability, collision, and comprehensive. Protects your vehicle and others' property, required by lenders if you finance or lease.
SR-22 Insurance
Proof-of-insurance filing required by the Vermont DMV after DUI, suspensions, or uninsured violations. Not a separate policy, but a certificate your insurer files electronically.
Non-Standard Auto Insurance
Policies designed for drivers with violations, DUIs, lapses, or accidents who can't get coverage from standard carriers. Higher premiums, but the only option for many high-risk profiles.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when an uninsured driver hits you. Vermont requires insurers to offer it at the same limits as your liability coverage.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident, regardless of who caused it. Subject to a deductible, typically $500–$1,000.
