Compare SR-22 insurance in Vermont

If you live in Vermont and have recently been convicted of DWI or reckless driving, you may be required to get an SR-22 to prove your financial responsibility before you get your license back. Filing for SR-22 is simple if you can find a provider willing to cover you for an affordable rate.

Do I need SR-22 insurance in Vermont?

An SR-22 is proof of future financial responsibility. It’s a form that demonstrates you have a car insurance policy that meets Utah’s minimum auto insurance requirements.

Your state DMV will let you know if you need to file an SR-22. In Vermont, you may need to file for an SR-22 if:

• You’re found driving without insurance.
• You’re at fault in an accident and don’t have insurance.
• You’re convicted of a DUI or DWI.
• You’ve acquired too many points on your driving record.
• The state restricts or revokes your license.

The state of Vermont only accepts SR-22 certificates from insurance companies. An independent insurance agent may not file an SR-22 on your behalf.

What if I don’t have a car or license?

You’ll still need to file for an SR-22 to legally drive in Vermont. If you lose your license because you’re caught driving without insurance, you might be required to carry non-owner insurance to reinstate your license.

What if I’m from another state?

If you have an SR-22 from another state, you’ll need to maintain it while driving in Vermont. Call the DMV and your insurer to determine whether your SR-22 is sufficient in Vermont.

• Affordable coverage
• Instant online access
• SR-22 support

Our pick for SR-22 drivers: The General

Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.

• Affordable coverage
• High risk drivers okay
• Instant online access
• Available in 46 states

Go to site
Read review

Compare Vermont SR-22 insurance

Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Vermont car insurance.

Sort by:

Name	Product	SR-22	Nonowner policy	Payment schedule	States served
The General		Yes	Yes	12 months, monthly	AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.	Get quotes More Info	Compare	loading Fetching your data...
Dairyland		Yes	Yes	custom	AL, AZ, AR, CA, CO, CT, DE, FL, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, NE, NV, NM, NC, OH, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Flexible payment options and local agents make it easy for high-risk drivers to get covered.	Get quotes More Info	Compare	loading Fetching your data...
Farmers		Yes	No	monthly, custom	All 50 states	Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.	Get quotes More Info	Compare	loading Fetching your data...
USAA		Yes	Yes	12 months, 6 months, custom	All 50 states	USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.	Get quotes More Info	Compare	loading Fetching your data...

Compare up to 4 providers

Clear selection

Compare

How much does an SR-22 cost?

Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50.

But it’s not the fee that’s most expensive when you file for an SR-22 — you’ll also typically see higher premiums than you’re used to.

Vermont SR-22 insurance rates

Not every insurer offers SR-22 filing support. Compare cheap rates from Vermont insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

• Quote methodology: driver profile & coverage options

  To get these quotes, we compared median rates for the same driver profile.

  • All ZIP codes in this state
  • Male driver
  • 26–30 years old
  • Married
  • Good credit
  • 2017 Toyota Camry LE
  • State minimum requirements

How do I file an SR-22 in Vermont?

1. Find an insurer. Ask your insurer if it issues SR-22s in the state of Vermont. If it doesn’t, you’ll need to find a car insurance company that does.
2. Pay the SR-22 fee. Finalize your SR-22 by paying a fee to your insurer processing and filing the form on your behalf.
3. Verify minimum liability coverage. If you’re already insured, call your provider to confirm your policy includes at least:
   • $25,000 for injury or death to one person.
   • $50,000 for injury or death to more than one person.
   • $10,000 for damage to property.

   These are the minimum coverage requirements for the state of Vermont that you might see listed as 25/50/10 in insurance documents.

4. Submit your SR-22. Your insurance agent will file your SR-22 with the Vermont Department of Motor Vehicles (DMV).
5. Wait for confirmation. You’ll receive a letter from your insurer and the Vermont DMV that your SR-22 is accepted.

How long will I need an SR-22 for?

In Vermont, you must carry an SR-22 for three years from the date of the event that led to your SR-22 requirement.

What happens if I let my SR-22 lapse?

Your insurer is required to immediately report a lapse in your insurance to the Vermont DMV. A break in your SR-22 coverage could result in your license being suspended until your insurance is renewed and any reinstatement fees are paid.

What happens when I don’t need SR-22 coverage anymore?

A call to your local DMV office may be in order before any sweeping changes to your insurance are made. After you confirm with the state that your mandated filing period is over you can talk with your insurance agent about the next best steps for your policy.

Bottom line

You’re completely responsible for maintaining your SR-22 coverage for the length of your mandated filing period. As such, you can save yourself a good deal of potential grief by following traffic laws carefully, keeping up on your insurance premium payments and renewing your policy early.

Though you’ll be faced with higher premiums, you still may be able to find a plan that fits both your needs and your budget. Carefully compare your options to find the right provider for your situation.