Minimum Coverage Requirements in Vermont
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 mandates SR-22 filing for DUI convictions, license suspensions for violations, at-fault accidents without insurance, and accumulating multiple serious offenses. SR-22 filing typically lasts 3 years from the date of reinstatement. Uninsured motorist coverage is also required at 50/100/10 unless you reject it in writing.
How Much Does Car Insurance Cost in Vermont?
Post-SR22 drivers in Vermont pay $150–$280/mo for full coverage depending on violation type and time since filing ended, compared to $85–$140/mo for drivers with clean records. Rates typically drop 15–25% in the first year after SR-22 ends, another 10–20% by year three, with full recovery to standard rates taking 3–5 years. Shopping aggressively every 6–12 months during this recovery period can accelerate savings by $600–$1,200 annually compared to remaining with your current carrier.
What Affects Your Rate
- Violation type — DUI impacts rates 80–120% longer than speeding violations
- Time since SR-22 filing ended — rates drop 15–25% in year one, another 10–20% by year three
- County location — rural counties like Essex and Orleans average 10–15% lower rates than Chittenden County
- Current carrier's post-SR22 rating structure — some carriers reduce rates faster than others after filing ends
- Claims history during SR-22 period — maintaining a claim-free record accelerates rate recovery
- Credit-based insurance score — Vermont allows credit factors, which heavily influence post-SR22pricing
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Vermont's 25/50/10 minimums leave most post-SR22 drivers underinsured — consider 100/300/50 or higher to protect personal assets.
Full Coverage
Combines liability, collision, and comprehensive coverage. Required for financed vehicles and recommended for any car worth over $5,000.
Comprehensive Coverage
Covers non-collision damage including deer strikes, weather, theft, and vandalism. Vermont sees over 3,000 deer-vehicle collisions annually.
Uninsured Motorist Coverage
Required in Vermont at 50/100/10 unless rejected in writing. Protects you when hit by uninsured or underinsured drivers.
Collision Coverage
Covers damage to your vehicle regardless of fault. Required by lenders and essential for vehicles worth over $5,000.
SR-22 Insurance
Certificate of financial responsibility filed with the Vermont DMV confirming you carry minimum coverage. Required for 3 years after DUI, suspension, or major violations.
