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 the Green Mountain State.
Do I need SR-22 insurance in Vermont?
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 do not 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, maintain it while driving in Vermont. Call the DMV and your insurer to determine whether your SR-22 is sufficient in Vermont.
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.
How do I file an SR-22 in Vermont?
- 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.
- Pay the SR-22 fee. Finalize your SR-22 by paying a fee to your insurer processing and filing the form on your behalf.
- 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.
- Submit your SR-22. Your insurance agent will file your SR-22 with the Vermont Department of Motor Vehicles.
- Wait for confirmation. You’ll receive a letter from your insurer and the Vermont DMV that your SR-22 is accepted.
The impact of an SR-22 on your car insurance ratesSR-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.
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.