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 insurer files an SR-22 form with the Vermont DMV to verify that your policy meets the state’s minimum liability coverage requirements. This form is typically required when you need to reinstate driving privileges after they were revoked or suspended due to violations. You must maintain continuous coverage throughout the specific period for compliance with the court or DMV.
In this guide, you’ll find what SR-22 insurance covers in Vermont and how it affects your annual premiums should you need one.
Who needs an SR-22 in Vermont?
In Vermont, individuals whose driving licenses were suspended or revoked due to certain violations may be required to obtain an SR-22.
Below are the violations that can trigger this requirement:
- 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
The SR-22 requirement in Vermont typically lasts 3 years, although it can vary depending on the violation. You must maintain at least the minimum car insurance coverage required by Vermont laws during this period.
Learn more about how to find out if you still need an SR-22
How do I get an SR-22 in Vermont?
Getting insurance in Vermont involves purchasing a car insurance policy and having the insurance company file an SR-22 form with the Department of Motor Vehicles (DMV)on your behalf.
Getting the right auto insurance:
- Contact your current insurance company: Many insurance companies file SR-22 forms, but keep in mind that your rates will go up.
- Comparison shopping: It’s a good idea to compare rates from other insurance companies. Tell them you need an SR-22 so they give you accurate quotes.
- Meet state minimum car insurance requirements: You’ll need to purchase minimum liability coverage with limits of 25/50/10.
Filing the SR-22:
- Inform your insurer about your SR-22 requirement. They’ll handle the paperwork and submit the form to the DMV.
- Pay any associated fees. Expect an SR-22 filing fee from your insurance company on top of the increased premium for your high-risk status.
- Maintain continuous insurance. A lapse in coverage may result in the DMV suspending your license again.
Remember, getting SR-22 insurance may result in higher premiums due to your driving record. Compare car insurance quotes every six months and ask about discounts to get the cheapest car insurance possible.
Discover your options for getting SR-22 insurance without a valid license
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How much is SR-22 insurance in Vermont?
In Vermont, full coverage car insurance cost with an SR-22 is $1,501 per year $592 lower than the national average cost in the U.S., which is $2,093 a year. But if you have a DUI, your yearly premium can increase up to $2,867 in Vermont.
In addition to the increased premium, there’s usually a small fee associated with filing the SR-22 form. To get your license reinstated, you must acquire car insurance and submit the SR-22 form.
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.
Only some insurance companies provide car insurance for high-risk drivers, so you might need to look around to find one that does. When you do find an insurer, be prepared for higher premiums because of driving violations on your record.
However, by driving responsibly and avoiding speeding tickets, DUIs and other infractions, you can gradually improve your driving record and secure lower insurance rates in the future.
Affordable SR-22 insurance companies by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cheapest SR-22 insurance companies in Vermont
Nationwide provides the most affordable SR-22 car insurance for drivers in Vermont, with an average annual premium of $947. Progressive and State Farm also offer competitive SR-22 insurance rates in Vermont, according to CarInsurance.com data.
After a DUI or other traffic violation in Vermont, getting SR-22 insurance is a requirement. While the SR-22 form doesn’t impact insurance costs, the violations that necessitate it typically result in higher premiums. However, high-risk drivers can still find affordable auto insurance rates in Vermont.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
|---|---|---|
| Nationwide | 935 | 947 |
| Progressive | 926 | 1,103 |
| State Farm | 1,139 | 1,297 |
| Geico | 1,276 | 1,299 |
| Vermont Mutual | 1,413 | 1,465 |
| Allstate | 1,733 | 1,841 |
| Farmers | 2,333 | 3,478 |
| USAA* | 803 | 817 |
Find out which providers offer the cheapest SR-22 car insurance
How long do I need SR-22 insurance in Vermont?
You will need SR-22 in Vermont for a duration of 3 years It assures the Vermont DMV that you’re consistently maintaining at least the minimum required coverage levels mandated by the state.
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.
What happens if I cancel my insurance?
If you discontinue your SR-22 insurance in Vermont before the mandated period ends, you could face severe consequences.
- Driver’s license suspension: If your SR-22 policy is canceled, your insurance provider will notify the state. This typically leads to a suspension of your driver’s license since insurance coverage must be maintained for the mandated period.
- Fines and penalties: In some states, you might face additional fines or penalties for not complying with the SR-22 requirement.
- Extended probationary period: If your SR-22 is part of a probation period for a driving offense, canceling it might restart your probationary period.
- Increased insurance costs: A lapse in coverage and violations on your driving record resulting from SR-22 policy cancellation can lead to significantly higher insurance premiums in the future.
It’s important to fulfill the SR-22 requirements for the specified duration without any lapses or cancellations to avoid legal repercussions and maintain driving privileges.
How to get an SR-22 removed in Vermont
The most common way to get your SR-22 removed is to wait until the required filing period is over. In Vermont, the standard SR-22 filing period is 3 years from its filing date.
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?
Requiring an SR-22 certificate can substantially increase your car insurance premiums. Insurance providers typically categorize drivers with SR-22s as high-risk, which often translates to higher rates.
The specific amount by which your premiums will rise can vary depending on factors like your driving history and the reason for the SR-22 filing.
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’re in a situation where you require an SR-22 in Vermont but don’t have a vehicle, non-owner SR-22 insurance can help you reinstate your Vermont driver’s license and fulfill the state 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
How do I check my SR-22 status online in Vermont?
There are two ways to check the status of your SR-22. Visit the official website of your state’s Department of Motor Vehicles (DMV). Most states allow you to check your SR-22 status through their online services. You can also contact your state’s DMV directly via phone.
Do I need an SR-1P or SR-22 in Vermont?
Both the SR-22 and SR-1P are forms submitted by your insurance provider to the Vermont DMV to confirm that you meet the minimum liability coverage requirements. The SR-1P is for two-wheelers like motorcycles, mopeds, and scooters. If you’ve been cited for riding without insurance or have had your license suspended while operating a motorcycle, you’ll need to file SR-1P.
What happens to your SR-22 insurance in Vermont if you move?
Your SR-22 insurance obligation in Vermont remains even after you move. To comply with legal requirements, find a new insurance provider licensed in your new state. They’ll handle the paperwork to transfer the SR-22 obligation from Vermont to your new location. Keep your coverage active until you get the new SR-22.
The SR-22 requirements in your new state may differ from those in Vermont. It’s important to check with your new insurance provider and the local DMV to learn the state’s requirements.
Does Geico offer SR-22 in Vermont?
Yes, Geico provides SR-22 insurance in Vermont. As a major car insurance provider, Geico can file an SR-22 form with the state on your behalf and offer the required insurance coverage to comply with state laws.
Resources & Methodology
Sources
SR-22 Adviser. “SR-22 Requirements by State.” Accessed November 2024.
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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Guide to car insurance (with rates) in cities of Vermont