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If you need SR-22 insurance in Vermont, State Farm is the most affordable option. Car owners can expect to pay around $214 per year for minimum coverage and $527 per year for full coverage. Allstate is the second-cheapest alternative, with average annual costs of $310 and $979 for minimum and full coverage, respectively.

State Farm also provides the most affordable SR-22 insurance for non-owner drivers at around $298 per year. Another affordable option is Nationwide, with rates averaging $503 per year.

SR-22 is technically not insurance but a document that confirms a driver's compliance with the state's car insurance requirements after certain driving violations or offenses. Car insurance rates usually increase after a violation, but you can still find reasonably priced options in Vermont by comparing quotes from different insurers.

MoneyGeek Logo IconCheapest SR-22 InsuranceVermont
2023

Cheapest Companies for SR-22 Car Insurance in Vermont

Cheapest Companies for SR-22 Car Insurance in Vermont

Here are the most cost-effective providers for a minimum coverage policy for Vermont drivers with a DUI:

For full coverage insurance, the following options are the cheapest:

  • State Farm: $527 per year
  • Allstate: $979 per year

It's common for car insurance premiums to rise after a driving offense, as insurers consider you a higher risk. However, you can find affordable SR-22 car insurance coverage by shopping around and comparing quotes from different providers.

The table below ranks the cheapest SR-22 car insurance options in Vermont, ranging from $214 to $908 annually.

Company
Annual Premium
Monthly Premium

State Farm

$188

$16

State Farm

$198

$17

State Farm

$204

$17

State Farm

$204

$17

American Family

$212

$18

State Farm

$214

$18

State Farm

$214

$18

Vermont Mutual

$221

$18

Vermont Mutual

$221

$18

Vermont Mutual

$221

$18

Vermont Mutual

$221

$18

State Farm

$221

$18

American Family

$229

$19

State Farm

$233

$19

State Farm

$233

$19

Allstate

$233

$19

State Farm

$255

$21

State Farm

$255

$21

Allstate

$259

$22

Allstate

$260

$22

American Family

$260

$22

Allstate

$264

$22

American Family

$265

$22

American Family

$266

$22

State Farm

$278

$23

GEICO

$280

$23

Vermont Mutual

$285

$24

Vermont Mutual

$285

$24

American Family

$289

$24

Allstate

$290

$24

American Family

$292

$24

Allstate

$295

$25

GEICO

$305

$25

Allstate

$310

$26

Allstate

$311

$26

Concord Group

$313

$26

Concord Group

$314

$26

Progressive

$318

$27

GEICO

$328

$27

American Family

$330

$28

Vermont Mutual

$335

$28

Vermont Mutual

$335

$28

American Family

$346

$29

Concord Group

$349

$29

Allstate

$349

$29

Allstate

$350

$29

Concord Group

$352

$29

Allstate

$353

$29

Allstate

$356

$30

Nationwide

$359

$30

Progressive

$361

$30

Nationwide

$370

$31

American Family

$371

$31

GEICO

$375

$31

Progressive

$396

$33

Vermont Mutual

$401

$33

GEICO

$408

$34

American Family

$410

$34

Progressive

$420

$35

Progressive

$437

$36

Nationwide

$438

$36

Concord Group

$443

$37

Concord Group

$446

$37

State Farm

$449

$37

Progressive

$450

$38

Concord Group

$451

$38

Nationwide

$453

$38

Progressive

$470

$39

Nationwide

$472

$39

GEICO

$475

$40

State Farm

$489

$41

State Farm

$489

$41

Progressive

$489

$41

State Farm

$493

$41

American Family

$495

$41

Concord Group

$496

$41

Concord Group

$501

$42

GEICO

$502

$42

Concord Group

$506

$42

Vermont Mutual

$516

$43

Progressive

$525

$44

Vermont Mutual

$525

$44

Vermont Mutual

$525

$44

Vermont Mutual

$525

$44

State Farm

$527

$44

State Farm

$527

$44

State Farm

$527

$44

Nationwide

$528

$44

Nationwide

$535

$45

Nationwide

$548

$46

GEICO

$550

$46

State Farm

$568

$47

Progressive

$576

$48

American Family

$594

$50

State Farm

$611

$51

American Family

$618

$51

Progressive

$636

$53

Nationwide

$644

$54

Nationwide

$647

$54

Concord Group

$649

$54

GEICO

$651

$54

Progressive

$660

$55

Vermont Mutual

$661

$55

Vermont Mutual

$661

$55

GEICO

$663

$55

Nationwide

$666

$56

State Farm

$666

$56

State Farm

$666

$56

Concord Group

$691

$58

Concord Group

$691

$58

Vermont Mutual

$692

$58

Vermont Mutual

$692

$58

Nationwide

$708

$59

State Farm

$721

$60

Allstate

$725

$60

Concord Group

$729

$61

Allstate

$752

$63

Vermont Mutual

$761

$63

Nationwide

$762

$64

Nationwide

$766

$64

GEICO

$768

$64

American Family

$771

$64

GEICO

$774

$64

Concord Group

$774

$65

American Family

$775

$65

Concord Group

$784

$65

American Family

$804

$67

Vermont Mutual

$819

$68

Vermont Mutual

$819

$68

Progressive

$820

$68

Allstate

$824

$69

Allstate

$828

$69

American Family

$832

$69

Nationwide

$835

$70

American Family

$838

$70

GEICO

$856

$71

Progressive

$859

$72

Allstate

$861

$72

Nationwide

$899

$75

GEICO

$900

$75

GEICO

$908

$76

Nationwide

$920

$77

Concord Group

$937

$78

Allstate

$942

$79

Allstate

$967

$81

Allstate

$979

$82

GEICO

$982

$82

Vermont Mutual

$986

$82

Concord Group

$996

$83

American Family

$1,003

$84

Concord Group

$1,008

$84

Allstate

$1,014

$84

Allstate

$1,024

$85

Progressive

$1,025

$85

Nationwide

$1,042

$87

Concord Group

$1,054

$88

GEICO

$1,074

$89

American Family

$1,074

$90

Nationwide

$1,079

$90

Allstate

$1,103

$92

Progressive

$1,117

$93

Allstate

$1,118

$93

Nationwide

$1,121

$93

Concord Group

$1,122

$93

Concord Group

$1,135

$95

Progressive

$1,137

$95

GEICO

$1,145

$95

American Family

$1,170

$97

Progressive

$1,190

$99

GEICO

$1,207

$101

American Family

$1,225

$102

Progressive

$1,260

$105

Progressive

$1,275

$106

Nationwide

$1,283

$107

Nationwide

$1,297

$108

GEICO

$1,334

$111

Nationwide

$1,362

$113

Concord Group

$1,366

$114

Progressive

$1,447

$121

Progressive

$1,534

$128

Concord Group

$1,536

$128

Nationwide

$1,538

$128

GEICO

$1,579

$132

American Family

$1,588

$132

Progressive

$1,620

$135

Progressive

$1,824

$152

GEICO

$2,079

$173

GEICO

$2,219

$185

Vermont Mutual

$2,516

$210

Vermont Mutual

$2,516

$210

GEICO

$2,622

$219

Vermont Mutual

$2,907

$242

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What Is SR-22 in Vermont?

In Vermont, you may be required to file an SR-22 if you commit certain traffic violations. An SR-22 is a certificate that serves as proof that you have the amount of liability coverage required for high-risk drivers in the state. Here are some situations that typically require an SR-22:

  • Driving under the influence (DUI) or other serious driving offenses
  • Driving without insurance
  • Multiple violations within a short period
  • Restoring a suspended or revoked license
  • Getting into an accident with insufficient insurance coverage

Vermont requires drivers to keep an SR-22 on file for three years from the date of the incident that prompted the filing of the certificate. Note that multiple violations often result in longer filing periods.

If you need to file an SR-22, your car insurance provider is responsible for filing the form with the Vermont DMV on your behalf. Filing an SR-22 will likely lead to an increase in your car insurance premiums since insurers see you as a high-risk driver.

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Once you have fulfilled your financial responsibility requirement in Vermont, your insurance provider must submit a Financial Responsibility Cancellation Form. This informs the state that your mandatory SR-22 filing period has concluded and that you no longer need to keep the form on file.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Vermont

The most affordable non-owner SR-22 car insurance options in Vermont are:

If you have a military background, you may qualify for a more affordable policy through USAA at around $180 per year.

Individuals who do not own a car may still be required to file an SR-22 in some cases. Non-owner car insurance is available to those who don't have a car but frequently borrow or rent cars. It may also be required if your car is totaled or you need to get your license reinstated.

The following table presents the most cost-effective non-owner car insurance providers in Vermont, offering rates ranging from approximately $298 to $648 per year.

Company
Annual Premium
Monthly Premium

State Farm

$279

$23

State Farm

$298

$25

Progressive

$342

$28

Nationwide

$407

$34

GEICO

$434

$36

Nationwide

$503

$42

Progressive

$551

$46

GEICO

$648

$54

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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance provides coverage for injuries and property damage you may cause to others on the road. However, it does not include protection for your own vehicle or personal injuries. Despite this limitation, it can be beneficial for various individuals, such as renters, rideshare drivers, professional drivers and those who need to file SR-22 forms but don't own a car.

MoneyGeek compiled the cheapest non-owner car insurance providers in Vermont to help you find the best available offers.

Average Cost of SR-22 Car Insurance in Vermont

On average, SR-22 car insurance for Vermont motorists who have been convicted of a DUI costs $503 per year for minimum coverage and $1,367 per year for full coverage. Other infractions like speeding or an at-fault accident may also require the filing an SR-22.

Having a driving violation on your record typically results in higher car insurance costs as insurance companies view you as a higher-risk driver to insure. To avoid unnecessary premium hikes, it's crucial to maintain a good driving record and follow safe driving habits.

Driving Record
Annual Premium
Monthly Premium

At-Fault Accident

$487

$41

At-Fault Accident

$1,214

$101

At-Fault Accident

$979

$82

Ticket

$417

$35

Ticket

$1,049

$87

At-Fault Accident

$400

$33

DUI

$503

$42

Clean

$643

$54

Ticket

$828

$69

At-Fault Accident

$970

$81

Clean

$339

$28

DUI

$508

$42

DUI

$1,357

$113

DUI

$1,367

$114

Ticket

$332

$28

Clean

$664

$55

Clean

$260

$22

DUI

$1,656

$138

At-Fault Accident

$393

$33

Ticket

$335

$28

Clean

$860

$72

Clean

$265

$22

Ticket

$815

$68

DUI

$612

$51

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When it comes time to renew your SR-22 coverage in Vermont, it’s wise to compare car insurance rates from multiple companies. Your current insurer may no longer be offering the best deal, so you may find that it makes sense to switch to another company to save money.

How SR-22 Affects Car Insurance Rates in Vermont

When Vermont drivers file an SR-22, they can expect their insurance premiums to increase by around $226. An SR-22 indicates that you have committed some sort of violation, which tells insurers that you are a risky driver and leads them to charge higher rates. However, the actual amount can vary depending on factors such as the nature of the offense, desired coverage level and driving history.

Common reasons for needing to file an SR-22 include driving without sufficient insurance, failure to comply with court-ordered child support, DUI offenses and multiple traffic violations.

Car Insurance Rate Comparison Based on Driving Records in Vermont

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$277
accident2
After a DUI

Annual Premium for Minimum Coverage

$503
Car insurance premiums after a DUI are on average:$226 more

This is 82% more expensive.

Other Effects of SR-22 on Car Insurance in Vermont

In Vermont, filing an SR-22 can affect your car insurance beyond a price increase. Here are several potential outcomes that are associated with carrying an SR-22.

1

Limited number of insurance options

Drivers with an SR-22 are generally viewed as high risk by insurance companies. As a result, the number of providers willing to provide coverage for these drivers may be limited compared to motorists with a clean driving record.

2

Possible policy cancellation

If you commit a violation that necessitates the filing of an SR-22 form, there is a possibility that your current car insurance policy will be canceled by your insurer. It’s important to be mindful of this potential outcome and to immediately consider alternative insurance options to ensure you have uninterrupted coverage.

3

Length of required filing

In Vermont, you are required to keep an SR-22 on file for at least three years. It’s crucial to be aware of the specific requirements for your violation and ensure that you comply with the mandated filing period to legally retain your driving privileges.

4

Filing fees

When filing an SR-22, you may have to pay a one-time filing fee between $15 to $50.

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How to Get SR-22 Insurance in Vermont

If you’re looking for car insurance after a driving offense in Vermont, you typically need to:

  1. Find a provider that provides coverage for drivers with violations.
  2. Choose a policy that meets Vermont's minimum liability requirements.
  3. Request that your insurer submit an SR-22 form on your behalf.
  4. Pay any necessary fees associated with the SR-22 filing and be sure to keep it updated.

By following these steps, you can show the state that you are taking accountability for your driving record and maintaining sufficient insurance coverage.

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VERMONT LICENSE REINSTATEMENT FEE

The fee for reinstating your license after filing an SR-22 in Vermont is $82. However, we recommend consulting your local DMV to get the most recent and accurate information as these fees may be subject to change over time.

How to Get Cheaper Car Insurance in Vermont After a DUI

Car insurance rates will typically be higher after a DUI, but there are measures you can take to lessen your overall insurance expenses. Comparing SR-22 car insurance quotes from different insurers, maintaining a good driving record and utilizing available discounts can potentially lower your insurance premiums and minimize the additional charge due to the driving violation.

  • find icon

    Compare quotes immediately

    In order to find affordable SR-22 car insurance in Vermont after a DUI, we recommended promptly comparing quotes from various insurers. Since insurance providers evaluate risk differently, their prices can differ significantly. By getting and comparing quotes from multiple insurers, you can identify the most budget-friendly options.

  • car icon

    Complete DUI classes or programs

    In Vermont, a DUI conviction requires you to successfully complete the Impaired Driver Rehabilitation Program (IDRP) to regain your driving privileges. This program focuses on educating and rehabilitating individuals who have been convicted of DUI, with the aim of promoting responsible and safe driving practices.

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    Look for discounts

    After a DUI conviction, you may no longer qualify for certain discounts such as safe driver or good driver discounts. However, there are still numerous other discounts that you may be eligible for. Purchasing bundled policies, maintaining low mileage or installing anti-theft devices in your vehicle can potentially result in savings. By exploring these options, you can mitigate the impact of a DUI conviction on your insurance expenses.

  • seatbelt icon

    Practice safe driving

    To prevent additional violations on your driving record, it’s important to be proactive. Practice safe driving, obey traffic laws and stay attentive while on the road to minimize potential risks. Minimizing offenses will help keep your insurance rates as low as possible.

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    Shop rates over time

    It’s always a good idea to regularly compare insurance companies before your policy renewal, as insurance rates can vary. Even if you currently have the most favorable rate, being proactive and assessing your options guarantees that you have the best available policies to suit your needs and budget.

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Non-standard auto insurance is specifically tailored to drivers who are considered high-risk due to factors such as a history of accidents or other risky behaviors. This specialized insurance provides coverage that might be challenging to obtain through other means. Although non-standard car insurance generally comes with a higher price tag, it can be a valuable option when you have a limited choice of insurers.

Frequently Asked Questions About SR-22 Insurance in Vermont

MoneyGeek provides answers to frequently asked questions about SR-22 car insurance in Vermont, offering valuable information to help you make an educated decision.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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