Cheapest SR-22 Car Insurance in Vermont: 2026 Rates and Requirements

State Farm offers the cheapest SR-22 car insurance in Vermont at $35/month for minimum coverage. Compare rates by violation, city and provider to find your best option.

Written by Mark Fitzpatrick

Updated: May 2, 2026

Advertising & Editorial Disclosure

Key Takeaways

State Farm is the cheapest SR-22 insurance provider in Vermont, with an average monthly minimum coverage premium of $35.

Vermont drivers with a DUI pay an average of $64 per month for state minimum SR-22 coverage, the highest rate among common violation types.

Vermont requires SR-22 filings for three years from the conviction date, and any lapse restarts the clock from scratch.

Cheapest SR-22 Insurance in Vermont

Vermont is the only state where the cheapest SR-22 rate is exactly equal to the clean-record average. State Farm's $35 per month for minimum coverage matches Vermont's $35 clean-record baseline, so SR-22 drivers who choose State Farm pay the same as a standard driver in the state. Allstate is second at $46 per month, an $11 monthly gap above State Farm.

For drivers who need minimum coverage to reinstate their license, State Farm's $35 monthly rate is the most budget-friendly option. Drivers financing a vehicle will need full coverage car insurance in Vermont. State Farm's full coverage SR-22 premium averages $78 per month. Drivers with a poor credit history should review car insurance for drivers with bad credit to find the most competitive rate.


State Farm	$35	$78	55%
Allstate	$46	$126	31%
Nationwide	$74	$156	9%
Progressive	$77	$158	6%
Geico	$80	$188	7%

Cheapest SR-22 by Violation in Vermont

State Farm is the cheapest SR-22 provider for multiple speeding tickets and racing violations in Vermont, with an average monthly minimum coverage premium of $30, the lowest rate among named violation categories. Drivers with a DUI pay the highest SR-22 rates in Vermont, with some categories reaching $66 per month for minimum coverage, a gap of up to $36 per month compared to the lowest violation tier. Drivers with a DUI conviction should compare strategies to lower costs through car insurance after a DUI.

Data filtered by:


Drivers With Hit-And-Run Accident	Co-operative Insurance	$26	$82	57%
Drivers With Hit-And-Run Accident	Auto Owners	$66	$146	15%

Cheapest SR-22 Insurance in Vermont by City

Barton is the cheapest city for SR-22 insurance in Vermont at $25 per month for minimum coverage, while Burlington is the most expensive at $27 per month, a $2 monthly difference across the three cities analyzed. Co-operative Insurance is the cheapest company in every Vermont city in this dataset, offering consistently low rates whether you live in Barton, West Pawlet, or Burlington.


Barton	Co-operative Insurance	$25	$84	54%
West Pawlet	Co-operative Insurance	$26	$86	52%
Burlington	Co-operative Insurance	$27	$78	59%

Best SR-22 Insurance Companies in Vermont

Auto-Owners ranks first in MoneyGeek's Vermont SR-22 analysis with a score of 4.65, the highest in this comparison, and leads in customer experience with a perfect 5.0 out of 5, making it the right fit for SR-22 drivers who want reliable service and low complaint rates through the full three-year filing period. Co-operative is another one of the best companies. It leads on affordability with a perfect 5.0 score and the lowest city rates in the dataset, making it the strongest option for drivers focused purely on cost. Progressive ranks second overall (4.53) and leads on coverage breadth, the better fit for drivers financing a vehicle.


Auto Owners	4.65	4.64	3.64	5
Progressive	4.53	4.73	4.85	4.04
State Farm	4.47	4.96	3.26	3.9
Allstate	4.34	4.75	4.24	3.56
Co-operative Insurance	4.3	5	2.5	3.5

Top Pick for SR-22 Overall in Vermont

Auto-Owners

Auto-Owners is the top-rated SR-22 insurer in Vermont, offering competitive rates that help drivers reinstate their licenses without overextending their budget. The company's NAIC complaint ratio is 0.47, well below the national median of 1.00, indicating far fewer complaints than expected for its size. Auto-Owners consistently offers customer service reliability, making it a dependable choice for the duration of a three-year SR-22 filing period. Auto-Owners holds an A++ financial strength rating from AM Best.

Top Pick for SR-22 Coverage in Vermont

Progressive

Progressive earns the second-highest MoneyGeek score for SR-22 insurance in Vermont and leads all providers in coverage breadth, making it the best choice for drivers who need more than bare-minimum protection. Progressive's NAIC complaint ratio is 0.76, below the national median, reflecting a solid complaint track record relative to its market share. Progressive's wide array of optional coverages (including gap insurance and custom parts coverage) is especially valuable for SR-22 drivers carrying a loan. Progressive is rated A+ for financial strength by AM Best.

How Much Is SR-22 Insurance in Vermont?

Vermont drivers with a DUI conviction pay an average of $64 per month for state minimum SR-22 coverage, compared to $35 per month for a clean-record driver, an 83% increase in monthly premium cost. Other violations carry lower SR-22 rates: speeding 11 to 15 mph over the limit averages $35 per month, the same as a clean record. To see how a specific situation compares use the car insurance calculator to estimate a personalized rate.

Data filtered by:


DUI - BAC >= .08	State Minimum Liability Only	$64	$768	+$29/mo
At Fault Accident ($1000-$1999 Prop Dmg)	State Minimum Liability Only	$42	$499	+$11/mo
Texting While Driving	State Minimum Liability Only	$42	$506	+$11/mo
Speeding 11-15 MPH over limit	State Minimum Liability Only	$35	$424	+$4/mo

SR-22 FILING FEE IN VERMONT

Vermont insurers charge a one-time filing fee to submit your SR-22 to Vermont Department of Motor Vehicles (DMV). Fees run $15 to $25. This fee is separate from your insurance premium and from the DMV reinstatement fee, which varies by violation type.

Vermont SR-22 Insurance Requirements

An SR-22 is a certificate of financial responsibility, not an insurance policy, that your insurer files with the Vermont Department of Motor Vehicles to confirm you carry the state's required minimum liability coverage. Vermont requires SR-22 filings for three years from the conviction date and the requirement is triggered by serious violations including DUIs, reckless driving, driving without insurance and license suspensions. Vermont does not use the FR-44 certificate; SR-22 is the only financial responsibility certificate the state issues.

If SR-22 coverage lapses at any point during the three-year period, your license is suspended immediately with no grace period and the three-year clock restarts from scratch, requiring a new SR-22 filing and a $71 reinstatement fee paid to Vermont DMV before your license can be restored. Drivers who want to avoid this outcome should set up automatic payments and review what happens when you let your coverage lapse before making any changes to their policy.

Vermont Minimum Liability Limits

Vermont requires all drivers, including those with an SR-22, to carry at least the following liability limits.

$25,000 Bodily Injury Per Person

This limit covers medical expenses, lost wages and other costs for a single person injured in an accident you cause. Vermont's $25,000 per-person limit is the minimum required for SR-22 compliance.

$50,000 Bodily Injury Per Accident

This is the maximum your insurer will pay for all bodily injury claims from a single accident you cause, regardless of how many people are injured. Vermont's $50,000 per-accident limit applies when multiple people are hurt.

$10,000 Property Damage

This limit covers damage you cause to another person's vehicle or property in an at-fault accident. Vermont's $10,000 property damage minimum is lower than many states, so many drivers choose higher limits for better protection.

Vermont SR-22 Filing Types

Vermont issues two types of SR-22 certificates. Vermont does not issue a combined Owner-Operator certificate.

Owners Certificate

An Owner's Certificate is required for drivers who own the vehicle they are insuring. It confirms that the vehicle itself is covered by a policy meeting Vermont's minimum liability requirements, and is the most common SR-22 type filed in Vermont.

Operators Certificate

An Operator's Certificate is a non-owner SR-22 for drivers who do not own a vehicle but still need to demonstrate financial responsibility to the Vermont DMV. It is filed with the Vermont DMV and attached to a non-owner auto policy. If you drive but do not own a car, you can get affordable non-owner car insurance.

Vermont SR-22 Fees, Lapse Rules and Filing Process

Vermont's $71 reinstatement fee is in the mid-range of this series, but the zero-surcharge angle for State Farm drivers makes Vermont one of the most affordable SR-22 states overall.

SR-22 Filing Fee

$15 to $25, one-time fee charged by the insurer at policy inception. Separate from your premium and from the Vermont DMV reinstatement fee.

Coverage Lapse Consequences

License suspended immediately upon lapse. The three-year SR-22 clock restarts from scratch. There is no grace period. A new SR-22 and reinstatement fee ($71) are required before your license can be reinstated.

Filing Process

Your insurer files electronically with the Vermont Department of Motor Vehicles (DMV). The certificate is submitted within 24 to 48 hours. Vermont DMV confirms receipt within three to five business days.

WHAT TO DO IF INSURERS DENY YOU COVERAGE

If two or more standard market insurers deny you coverage, you may be eligible for the Vermont Automobile Insurance Plan (VTAIP), Vermont's assigned risk pool. Per Vermont state insurance department guidance, eligibility requires documented denial by at least two standard insurers. You can access VTAIP through any licensed Vermont insurance agent; you do not apply directly. VTAIP provides state minimum liability coverage (25/50/10) as a coverage of last resort, and rates are higher than what you would pay in the voluntary market. Drivers who qualify may also want to find low-income car insurance to see if additional assistance programs are available.

SR-22 Insurance in Vermont: Bottom Line

State Farm is the cheapest SR-22 insurance provider in Vermont at $35 per month for minimum coverage, the only state where the cheapest SR-22 rate equals the clean-record average. Auto-Owners is the best overall SR-22 insurer in Vermont and the right choice for drivers who want competitive pricing, a perfect customer experience score and a low complaint ratio during their three-year filing period. Before the SR-22 period ends, confirm with Vermont DMV that your filing obligation has been satisfied and request written confirmation so your insurer can remove the SR-22 endorsement without a lapse.

Frequently Asked Questions About SR-22 Insurance in Vermont

Who is the cheapest SR-22 insurance provider in Vermont?

State Farm is the cheapest SR-22 insurance provider in Vermont, with an average monthly minimum coverage premium of $35. Allstate is the second-cheapest at $46 per month. These rates are based on a 40-year-old driver with a serious violation and good credit. Your actual rate may vary depending on your specific violation, age and coverage level.

How much does SR-22 insurance cost in Vermont after a DUI?

Vermont drivers with a DUI conviction (BAC at or above 0.08) pay an average of $64 per month for state minimum SR-22 coverage, or $768 per year. That is $29 per month more than a clean-record driver pays for the same coverage level. DUI rates are the highest among common SR-22 violation types in Vermont, well above speeding ($35 per month) and at-fault accident ($42 per month) rates.

How long do you need SR-22 insurance in Vermont?

Vermont requires SR-22 filings for three years from the date of conviction or the triggering violation. The clock runs continuously only if your coverage remains active throughout the entire period. Any lapse in coverage, even for one day, results in immediate license suspension and resets the three-year requirement from scratch. You must notify Vermont DMV when your SR-22 obligation is complete before the certificate can be removed.

Does Vermont use credit scores to set car insurance rates?

Yes, Vermont allows insurers to use credit-based insurance scores when calculating auto insurance premiums. This means drivers with lower credit scores may pay higher rates, even with the same driving record. This differs from states like California, Hawaii and Massachusetts, which prohibit the use of credit scores in auto insurance pricing. Vermont SR-22 drivers with poor credit can compare options specifically for car insurance for drivers with bad credit to find the most competitive rate available to them.

What fees are associated with SR-22 insurance in Vermont?

Vermont SR-22 drivers pay two separate fees. First, your insurer charges a one-time SR-22 filing fee of $15 to $25 at policy inception; this is paid to the insurer and covers the cost of electronically submitting the certificate to Vermont DMV. Second, Vermont DMV charges a $71 reinstatement fee to restore your driving privileges after a suspension. These fees are separate from each other and from your ongoing insurance premium. If your coverage lapses and your license is suspended again, you will owe the $71 reinstatement fee again before you can legally drive.

What is the Vermont Automobile Insurance Plan (VTAIP) and who qualifies?

The Vermont Automobile Insurance Plan (VTAIP) is Vermont's assigned risk pool, designed as a coverage of last resort for drivers who cannot get insurance in the standard market. To qualify, you must have been denied coverage by at least two standard market insurers, per Vermont state insurance department guidance. You apply through any licensed Vermont insurance agent; there is no direct application to VTAIP. The plan provides state minimum liability coverage (25/50/10) and SR-22 filing capability, but rates are higher than voluntary market rates. VTAIP is a temporary solution; once your record improves, you should shop the standard market for lower rates.

MoneyGeek analyzed SR-22 insurance rates sourced from Quadrant Information Services across Vermont cities and violation types to identify the cheapest and best-rated providers for drivers who need to file an SR-22. SR-22 rates reflect coverage for drivers with suspended licenses or serious violations, including DUIs, multiple speeding tickets, racing violations, hit-and-run accidents and license suspensions. Providers were evaluated on Affordability, Coverage breadth and Customer Experience, combined into a MoneyGeek Score out of 5. Complaint data comes from the NAIC, financial strength ratings from AM Best, customer satisfaction scores from J.D. Power and app performance from major app store ratings. The clean-record baseline used for cost comparisons reflects a 40-year-old male driver with a clean driving record, good credit and a 2012 Toyota Camry LE driving 12,000 miles annually. Coverage levels analyzed include state minimum liability (25/50/10) and full coverage (100/300/100 with a $1,000 deductible). Learn more about our methodology.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

Read Full Bio »