SR-22 in Vermont: What You Need to Know

High-risk drivers are required to have an SR-22 in Vermont.
Written by Matt Terzi
Reviewed by Kathleen Flear
An SR-22 certificate is a special document an insurance company submits on behalf of a driver to prove that they have adequate insurance. The SR-22 filing verifies that the driver carries minimum liability insurance in Vermont and can handle the financial liabilities of an at-fault car accident.
Insurance with an SR-22 is considerably more expensive than regular insurance.
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What is an SR-22 in Vermont?

An SR-22 is a special certificate that proves to the Vermont DMV that you carry the required minimum insurance coverage.
In Vermont, you need to be insured with the following coverage:
Key Takeaway An SR-22 document serves as proof to the Vermont DMV that you can pay the state’s minimum liabilities should you be at fault for a car accident.

Who needs an SR-22 in Vermont?

SR-22 forms apply to drivers deemed high-risk by the Vermont DMV.
You might be deemed a high-risk driver in Vermont if you’ve been convicted of the following severe driving violations:
  • An at-fault accident
  • Driving without car insurance
  • Repeated traffic offenses
  • Having an unpaid judgment against you
  • Driving with a suspended license
After your driving privileges are restored, you’ll need to purchase adequate coverage and obtain an SR-22 certificate from your car insurance company.

How do you get coverage for an SR-22 in Vermont?

Most car insurance companies licensed to operate in Vermont will offer SR-22 filing as a service. Rates will vary from one company to the next, so it’s a good idea to shop around and get quotes that suit your budget.
That being said, some insurance companies will not work with
high-risk drivers
. In fact, it’s not uncommon for insurance companies to drop high-risk drivers as clients, especially if they’ve been found at fault for an accident.
Once you’ve found an insurance company to work with, they’ll file your SR-22 certificate with the Vermont DMV on your behalf. There might be a small processing fee for this service.
Once the DMV verifies your certificate, you’re good to go!

How much does SR-22 insurance cost in Vermont?

As a rule, an SR-22 certificate will spike your car insurance rates. This is because insurance companies consider anyone with an SR-22 certificate to be more likely to get in a car accident or violate traffic laws in the future.
You will also need to pay a filing or processing fee to your insurance company. These fees are usually $50 or less and should only be a one-time expense.
If you still have any fees or fines owed to the Vermont DMV, you’ll need to make sure you pay those as well. It may even be a condition of your driving privileges getting restored.
Key Takeaway SR-22 forms increase the cost of car insurance and are often coupled with additional fees.

How an SR-22 impacts your insurance in Vermont

Like most states, an SR-22 in Vermont will last three years, starting from the date your driving privileges were reinstated.
It’s very important that you don’t allow your car insurance to lapse or get canceled, as this will result in your driver’s license getting suspended. The DMV may also extend your SR-22 period.
So whatever you do, make sure your car insurance bills are always paid in full and on time.
Key Takeaway You’ll be obligated to keep your SR-22 form for three years. If your car insurance lapses during that time, your license will be suspended.

How to find cheap SR-22 insurance in Vermont

Any car insurance company licensed to operate in Vermont can offer SR-22 insurance. But needing an SR-22 in Vermont does mark you as high risk, which can make finding affordable car insurance a challenge — that's where the Jerry app comes in.
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