How to file for SR-22 insurance in Vermont | finder.com

How to file for SR-22 insurance in Vermont

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If you’ve gotten in trouble behind the wheel in Vermont, you could be ordered by the court to file for an SR-22.

Even though most people call it SR-22 insurance, an SR-22 isn’t insurance. Rather, it’s a document your insurance company files with the state to prove you’re covered by the minimum car insurance required to legally drive.

Here’s a look at how you can get and maintain an SR-22 in Vermont.

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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.

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Optional
Yes
All 50 states
If you’re looking for one-on-one agent support, you may be able to count on State Farm.
Optional
Yes
All 50 states
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance.
Included free
Yes, cars under 3 year old & 15,000 miles
All 50 states
Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.
Optional
No
46 states
The General offers affordable coverage for nearly any driver who needs car insurance.

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Do I need SR-22 insurance in Vermont?

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.

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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.

The impact of an SR-22 on your car insurance rates

SR-22s are often required after a driving conviction, such as driving without insurance or a DUI conviction. With such severe convictions on your driving record, you’re considered a “high-risk” driver by the state and most providers.

Talk to your provider about how much you can expect your rates to increase, and make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.

Companies that offer SR-22 car insurance in Vermont

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.

Rates last updated November 21st, 2018
Company Median annual rate Learn more
Liberty Mutual $557 Read review
Allstate $641 Read review
State Farm $322 Read review
Geico $281 Read review
USAA $391 Read review
Average $438 Compare more reviews

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.

Find out how to get an SR-22 with top car insurance providers

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.

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