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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.
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.
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.
These are the minimum coverage requirements for the state of Vermont that you might see listed as 25/50/10 in insurance documents.
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.
In Vermont, you must carry an SR-22 for three years from the date of the event that led to your SR-22 requirement.
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.
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:
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.
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.
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.
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.
Compare SR-22 car insurance from companies near you.
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Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.
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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