Cheapest SR-22 Car Insurance in Vermont

State Farm offers the cheapest SR-22 insurance in Vermont at $20 monthly for minimum coverage, 59% less than the state average of $49. It's also the most affordable for full coverage at $53.

State Farm offers Vermont's most affordable non-owner SR-22 insurance at $25 monthly or $298 annually. Non-owner insurance helps drivers with an SR-22 filing meet state minimum coverage requirements without owning a vehicle. Below is a table showing providers and average costs of minimum coverage.

Drivers with an SR-22 pay an average of $594 annually for minimum coverage, which is 87% more than the $317 average cost of car insurance in Vermont for clean-record drivers.

For full coverage, SR-22 drivers face an average cost of $1,620 annually, 103% higher than $799 for those with a clean driving record.

Having an SR-22 form doesn't raise your insurance rate by itself. The cost depends on the type of violation on your driving record. The table below compares SR-22 insurance prices in Vermont for common violations across age groups.

An SR-22 isn’t insurance but proof you meet the state’s minimum coverage requirements. Drivers with certain violations must file an SR-22 to get their license back. Insurers view these drivers as high-risk, which means they pay more for car insurance.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a certification your insurer files with the state to confirms you have enough liability insurance to meet the reinstatement requirements under Vermont's Financial Responsibility law.

In Vermont, drivers must file an SR-22 for three years after serious traffic violations. This form confirms you meet the state's minimum coverage requirements. To comply with SR-22 laws, drivers must carry the following liability limits:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $10,000 property damage liability per accident
• $50,000 uninsured/underinsured motorist coverage per person
• $100,000 uninsured/underinsured motorist coverage per accident

In Vermont, SR-22 certificates are usually required for three years.

In Vermont, SR-22 drivers must follow these rules to comply with minimum coverage laws for three years:

• Fees: To regain driving privileges, you must pay a reinstatement fee and prove liability insurance with an SR-22 form.
• Policy cancellation: Filing an SR-22 may cause your insurer to cancel or not renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted insurance. Any lapses will be reported by your insurer, potentially leading to penalties or license suspension.
• Relocation: If you move, notify your insurer to file an out-of-state SR-22.
• Cancellation: After three years, your insurer should notify Vermont officials that you’ve met the SR-22 requirement.

To avoid penalties and reinstate your license after a serious violation, maintain coverage for the entire SR-22 period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be more difficult than for drivers with clean records, as insurers may cancel your policy or deny coverage when you file.

High-risk drivers in Vermont might find fewer companies offering coverage, leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance provides liability coverage for those who drive often but don’t own a vehicle. It covers third-party injuries or property damage when driving someone else’s car. This option works well for frequent renters or rideshare drivers.

Non-owner insurance is often cheaper than standard policies. Compare quotes to find the best rates. Once you purchase a policy, your insurer can file an SR-22, helping you comply with state laws and reinstate your license after three years.

In Vermont, drivers with severe offenses need an SR-22 to meet state minimum coverage requirements. For serious or repeated issues, you must have it for three years. Even though SR-22 insurance costs more, cheap car insurance providers are available.

Below are frequently asked questions about SR-22 certifications in Vermont:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Vermont drivers with various profiles and needs.

Vermont Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Vermont's minimum coverage requirements, with the following limits:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident
• $50,000 for uninsured/underinsured motorist coverage per person
• $100,000 for uninsured/underinsured motorist coverage per accident

For the most affordable policy with comprehensive and collision coverage — also referred to as a full coverage policy — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.