SR-22 insurance is not a type of insurance, but it’s a certificate that proves you have the necessary insurance coverage required by your state. It is often required for drivers who have been involved in driving infractions, including DUI, reckless driving or driving without insurance.
Your insurance company submits the SR-22 form to the Vermont Department of Motor Vehicles (DMV) on your behalf. It proves that you carry the minimum liability insurance required by the state. Make sure to keep your insurance active for the duration mandated by the court or DMV.
This guide outlines what SR-22 insurance covers in Vermont and explains how it impacts your annual premium rates should you require SR-22.
Who needs an SR-22 in Vermont?
In Vermont, if your driver’s license gets suspended or revoked because of certain violations, you might need SR-22. It is a form that proves you have car insurance.
Here are some reasons why a driver might need an SR-22:
- DUI or DWI (driving under the influence or driving while intoxicated) conviction
- Reckless driving
- Driving without insurance
- Multiple traffic offenses within a short period
- If you’re involved in an accident and don’t have car insurance, the DMV may suspend your license and require you to file an SR-22
- Nonpayment of fines or penalties if you’re sued after an accident
In Vermont, an SR-22 is generally needed for 3 years, but this duration can differ based on the specific violation. Throughout this period, it’s crucial to maintain at least the minimum car insurance required by Vermont law.
Learn more about how to find out if you still need an SR-22
How do I get an SR-22 in Vermont?
To obtain SR-22 insurance in Vermont, you must first get a car insurance policy. Then, the insurance company will submit an SR-22 form to the Department of Motor Vehicles (DMV) on your behalf.
Getting the right car insurance:
- Reach out to your current insurance company: Most insurers file SR-22s, but your auto insurance rate increase will depend on the carrier.
- Compare quotes from other insurers: Shop around and compare quotes from different car insurance carriers who offer SR-22 coverage. Be transparent about your need for SR-22 to get accurate quotes.
- Meet state minimum liability requirements: Vermont mandates a minimum of 25/50/10.
Filing the SR-22:
- Notify your insurer about your need for an SR-22. They will manage the paperwork and submit the form to the DMV on your behalf.
- Pay the fees. Be prepared to pay a filing fee for the SR-22 and a higher premium.
- Keep your insurance active. It’s crucial to avoid gaps in coverage.
Remember, an SR-22 requirement could lead to higher premiums based on your driving history. It’s important to shop around for quotes and practice safe driving to help lower the elevated rates.
Discover your options for getting SR-22 insurance without a valid license
How much is SR-22 insurance in Vermont?
The average cost of car insurance in Vermont is $1,501 per year for full coverage with an SR-22, which is $592 lower than the national average of $2,093 a year. However, if you have a DUI on your record, the average annual premium in Vermont jumps to $2,867 for full coverage.
In addition to the increased premium, most insurance companies also charge a small fee for filing the SR-22 form. If you’re facing a license suspension, getting an auto insurance policy along with an SR-22 form is typically the only way to reinstate your license.
How much is SR-22 insurance per month in Vermont?
Drivers in Vermont who have a DUI on their record can expect to pay $239 per month for a full coverage policy, which includes an SR-22.
Not all insurance companies offer car insurance for high-risk drivers, so you might need to shop around to secure coverage. When you do find an insurer, expect to pay higher premiums.
However, if you drive carefully and avoid speeding, DUIs and other violations, you can improve your driving record, which could lead to lower insurance premiums in the future.
Check out SR-22 insurance rates in nearby states
Cheapest SR-22 insurance companies in Vermont
Nationwide offers the cheapest SR-22 car insurance rates to Vermont drivers at an average annual premium of $947. Progressive and State Farm also offer affordable SR-22 car insurance rates in Vermont, based on an in-depth analysis by CarInsurance.com.
Following a traffic violation like a DUI in Vermont, getting SR-22 insurance becomes mandatory. Although the SR-22 doesn’t directly affect insurance rates, most violations requiring it often lead to premium hikes.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
|---|---|---|
| Allstate | $1,733 | $1,841 |
| Farmers | $2,333 | $3,478 |
| Geico | $1,276 | $1,299 |
| Nationwide | $935 | $947 |
| Progressive | $926 | $1,103 |
| State Farm | $1,139 | $1,297 |
| USAA* | $803 | $817 |
| Vermont Mutual | $1,413 | $1,465 |
Find out which providers offer the cheapest SR-22 car insurance
How long do I need SR-22 insurance in Vermont?
You will need an SR-22 in Vermont for a period of 3 years. This document proves to the Vermont DMV that you are maintaining state-mandated coverage.
SR-22 insurance varies by state and the reason you need it. Usually, it’s required for three years but in some cases, it might be longer. For example, if someone has repeat violations, the requirement could extend out to five years, says Dr. James Brau, Joel C. Peterson professor of finance at Brigham Young University.
How do I check my SR-22 status online in Vermont?
You can visit the official Vermont DMV website and use their online services to check your SR-22 status. Besides, you can contact the Vermont DMV directly via phone and inquire about your SR-22 status. They should be able to provide you with the necessary information.
What happens if I cancel my SR-22 insurance?
Canceling your SR-22 insurance before the mandated period ends can lead to several serious consequences
- Driver’s license suspension: Your insurance company is required to inform the state if your SR-22 is canceled. This will likely lead to your driver’s license being suspended.
- Fines and penalties: Non-compliance with SR-22 requirements may incur additional fines or penalties, adding to the financial consequences of policy cancellation.
- extended probationary period: If your SR-22 was a condition of probation for a driving offense, canceling it could reset the probation clock.
- Insurance premium increase: A lapse in coverage and violations can lead to significant spikes in insurance premiums.
It’s crucial to maintain continuous coverage for the required period. Any gaps or cancellations can result in penalties and suspension of your driver’s license.
How to get an SR-22 removed in Vermont
To get rid of your SR-22, you must wait until the required time period is up. In Vermont, this period is typically 3 years from when you first filed the SR-22.
Brau explains that you should maintain continuous insurance coverage without any lapses. If you cancel your policy or let it expire, the SR-22 will no longer be valid. Wait out the required period. During this time, drive responsibly and maintain your insurance coverage.
“Check with your state’s DMV and confirm the exact duration and any additional requirements for removal. Some states may require you to submit a formal request or provide proof of good driving behavior,” he says.
“Once the required period has passed, ask your insurer to file an SR-26 form with the DMV. This form notifies them that you no longer need an SR-22. After your insurer submits the SR-26, check with the DMV to ensure the SR-22 is officially removed from your record.”
How does an SR-22 affect car insurance rates in Vermont?
An SR-22 requirement can significantly impact your car insurance rates in Vermont. Insurance companies often view drivers with an SR-22 as high-risk, which can lead to higher premiums.
The specific rate increase can vary depending on several factors, including the insurance company’s policies, driving record, the reason for needing the SR-22, and other personal factors.
It’s important to shop around and compare quotes from different insurance companies to find the most affordable coverage when dealing with an SR-22 requirement. Over time, insurance rates may gradually decrease as the driver maintains a clean driving record and complies with the SR-22 requirements.
Select your age, gender and type of violation to see average annual SR-22 insurance rates by company.
Note: These rates are for a full coverage policy with limits of 100/300/100 with a $500 deductible.
Non-owner SR-22 insurance for Vermont drivers
If you find yourself in a situation where you need an SR-22 in Vermont but don’t own a car, there is a solution. Non-owner SR-22 insurance can help you reinstate your Vermont driver’s license and meet the requirements.
Non-owner car insurance offers liability coverage for individuals who don’t own a vehicle. An added benefit is that some insurers can file the SR-22 form with the DMV for you, which may be required in certain situations.
Frequently asked questions: SR-22 insurance in Vermont
Do I need an SR-1P or SR-22 in Vermont?
The SR-22 and SR-1P are forms your insurance company files with the Vermont DMV to show you have the minimum required liability coverage. SR-1P is for two-wheelers, such as motorcycles, mopeds and scooters – if you’ve been caught riding without insurance or had your license suspended, you’ll need an SR-1P.
What happens to your SR-22 insurance in Vermont if you move?
Your SR-22 insurance in Vermont doesn’t disappear when you move. You’ll need to find a new insurance company licensed in your new state to file an SR-22 on your behalf. They’ll likely need to file forms with the Vermont DMV and your new state’s DMV to transfer the requirement. Don’t cancel your Vermont insurance until you have the new SR-22 in place to avoid a lapse in coverage.
Your new state’s SR-22 requirements might differ from Vermont’s. You’ll need to consult with your new insurer and the DMV in the state to understand what’s needed.
Does Geico offer SR-22 in Vermont?
Yes, Geico offers SR-22 in Vermont. It is one of the major car insurance companies that file SR-22 with the state on your behalf, along with providing the necessary insurance coverage to meet the state’s requirements.
Resources & Methodology
Sources
SR-22 Adviser. “SR-22 Requirements by State.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get SR-22 car insurance rates in Vermont. The rates are based on the sample profile of a 40-year-old driver with a clean driving record and good insurance score. We have compared 50,73,544 from 138 national and regional car insurance companies across 548 cities and 1,468 ZIP codes to evaluate the premiums.
Note: USAA is only available to military community members and their families.
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