Vermont SR-22 Insurance After Filing Ends
Vermont requires 25/50/10 liability coverage and is an at-fault state.
Compare Rates After SR-22Vermont 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
$96
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Vermont
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.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Full Coverage
Comprehensive Coverage
What Drivers Pay in Vermont
$243–$259/mo
Typical monthly rate in Vermont, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- 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
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Ignition Interlock Device Restricted Drivers License (RDL)
application fee $125.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage 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.