Cheapest SR-22 Car Insurance in Vermont

Co-operative Insurance offers Vermont's cheapest SR-22 insurance at $311 for minimum coverage and $990 for full coverage. Its minimum coverage rate is $1,161 below the state average of $1,473, or around 79% cheaper, one of the strongest discounts in New England.

Auto-Owners, the most expensive on our list, costs $801 for minimum coverage, still 46% below the state average but $490 more than Co-operative Insurance. Vermont's small market shows significant price differences for SR-22 shoppers.

The table below shows the top five companies with the lowest SR-22 insurance rates in Vermont.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Co-operative Insurance frequently ranks as the lowest-cost SR-22 carrier across categories. The least expensive category is Drivers With Other Violations, at $273 for minimum coverage SR-22 insurance with Co-operative Insurance, while the most expensive is Young Drivers With a Suspension, at $534 with State Farm. The $261 spread shows how age and suspension history push rates higher.

Your individual premium depends on both the nature of your violation and the insurer's rating approach.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Barton has Vermont's lowest minimum coverage SR-22 at $298 (Co-operative Insurance), while Burlington averages $319 (Co-operative Insurance). The $21 difference, about 7% higher, shows remarkably uniform pricing across Vermont's small geographic area.

Even in smaller states, traffic patterns and regional repair costs can affect SR-22 pricing, though Vermont shows minimal variation.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Auto-Owners stands as the best car insurance provider for SR-22 filing in Vermont, offering an excellent balance of affordable rates, strong customer service and useful coverage options. The company earned the highest overall MoneyGeek score in our analysis. Consider Progressive, State Farm, Allstate or Co-operative as strong alternatives for your SR-22 needs.

To comply with Vermont laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $10,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. This period can extend beyond three years, depending on the violation and if there is noncompliance with requirements or repeated offenses.

Vermont drivers required to file an SR-22 must also understand additional insurance regulations beyond the state's minimum coverage requirements.

In Vermont, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

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

MoneyGeek analyzed hundreds of thousands of quotes across Vermont to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Vermont SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

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 personal injury liability per person
• $50,000 personal injury liability per accident
• $10,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts 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

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.