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After a serious driving offense, you may need to square away some logistics before legally driving again in Vermont. If you’ve recently received a DUI or a conviction for driving without insurance, the state of Vermont requires you to obtain SR-22 insurance to provide proof of insurance.
While most Vermont drivers don’t need to secure this type of certification, drivers who do need an SR-22 are required to have this policy for a set number of years. Here’s what you need to know about SR-22 insurance in Vermont.
Filing an SR-22 form results in more expensive rates than typical auto insurance.
You may have a difficult time securing auto coverage after a serious driving conviction.
Drivers typically need to carry SR-22 coverage for at least three years, if required by a court order.
What’s SR-22 insurance in Vermont, and when do you need it?
Drivers convicted of a DUI or another serious driving violation may need to secure SR-22 or FR-44 insurance, depending on the state. Vermont law requires any driver with criminal or civil uninsured driving or alcohol-related offenses to file and maintain an SR-22 form to avoid license suspension.
Not technically types of insurance, SR-22 and FR-44 are certificates your insurance company files with the state on your behalf to provide proof that you meet your state’s minimum insurance requirements. Otherwise, you usually only have to provide proof of insurance if you’re involved in an accident or asked by an officer.
Drivers required to have SR-22 insurance in Vermont typically learn about the requirement via a court order. In addition to any court hearing you attend, you may receive a written notice in the mail. To obtain the required SR-22 form, you can work with any insurance company licensed in Vermont that will offer you coverage.
Not all insurance companies provide coverage for drivers with serious driving convictions, so you may need to consider several companies to find a policy that fits your budget and needs. Your insurance company then needs to file the SR-22 form with the state on your behalf.
Vermont drivers must at least maintain the state’s minimum liability insurance requirements with an SR-22 form, including:
$25,000 per person and $50,000 per accident in bodily injury
$10,000 in property damage
$50,000 per person and $100,000 per accident in uninsured/underinsured motorist bodily injury
$10,000 per accident in uninsured/underinsured property damage
How long is an SR-22 required in Vermont?
If you have SR-22 coverage in Vermont, you must maintain your form for at least three years from the incident that requires the filing. For example, if you have a 90-day license suspension following a DWI, you need to keep your SR-22 filed for three years from the first day of your license reinstatement.
If your coverage lapses, your insurance company must inform the state, and you’ll face immediate driver’s license suspension. Your insurance company must file another SR-22 with the state before you can drive and start the SR-22 process over again.
Vermont uses a point system for driving records. You’ll face automatic license suspension if you accumulate 10 or more points within two years, and any license suspension requires an SR-22. You may also have to take an alcohol abuse course, retake the driving skills and knowledge tests, and pay a reinstatement fee.
How much is an SR-22 in Vermont?
You can expect to pay between $15 and $25 to file an SR-22 form in Vermont. You may also need to pay a $125 fee for a restricted driver’s license or an $80 fee to reinstate your suspended license.
The cost of your insurance varies depending on where you live in the state, the insurance company you choose, your driving record and habits, age, credit history, gender, vehicle type, and more. Generally, drivers with a conviction requiring SR-22 filing receive more expensive premiums.
Cheapest companies for SR-22 insurance in Vermont
When you’re required to file an SR-22, you may understandably worry about the cost of coverage. You’ll likely pay higher rates than the average driver, but you have affordable options available to choose from. You should always compare rates from multiple insurance companies to find the best rate possible.
You can expect to pay around $168 monthly in Vermont on average if you have SR-22 coverage. This rate resembles averages in surrounding states like New Hampshire ($175 per month) and Massachusetts ($156 per month).
Drivers in other states may face much higher rates. For example, Vermont drivers with an SR-22 pay nearly half the amount as drivers in Maryland, where the average monthly rate is $300.
Cheapest insurance companies in Vermont with SR-22 by city
Vermont drivers can expect auto rates to change based on where they live because insurance companies consider location when creating base rates.
You may automatically have costlier rates if you live in an urban area with a lot of traffic, due to a higher risk of accidents, theft, and vandalism. This means drivers in cities like Burlington, Essex, and Rutland may pay higher rates than drivers in more rural areas.
Drivers with an SR-22 also automatically fall into a higher rate bracket than most average drivers, as insurance companies charge high-risk drivers more expensive premiums.
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How an SR-22 affects driving record and future rates in Vermont
Vermont uses a point system for traffic violations, with points staying on your record for two years after your conviction. People who obtain 10 or more points over two years face license suspension. Drivers who demonstrated negligence in handling their vehicle, failed to stop when involved in an accident, or evaded police automatically earn 10 points.
Your SR-22 form will affect your driving record for at least the three years the state requires you to maintain it. Its presence tends to affect your insurance policy’s cost, since you qualify as a high-risk driver.
However, you can find ways to work on improving your driving record and lowering your insurance rates in Vermont.
Take a defensive driving course. Vermont doesn’t remove points from your driving record for completing a defensive driving course, but many insurance companies offer significant discounts for drivers who complete a course.
Bundle home and auto policies. When possible, consider bundling your home and auto policies. Many insurance companies offer a discount when you purchase multiple policies with them.
Improve your credit score. Though Vermont prohibits insurers from using a lack of credit history as consideration for insurance rates, insurers may consider any existing credit score when determining your rate. You can raise your credit score by reducing your debt-to-income ratio and paying your bills on time.
Buy a safer vehicle. Insurance companies look at the type of vehicle you have when determining your monthly rate. If you need to purchase a new car, choose one with high safety ratings and safety features (like rear cameras and lane sensors) to secure lower rates.
Check with organizations for discounts. You may qualify for discounts through programs like the AARP, the Lions Club, or your employer. Students with good grades may also qualify for discounts.
Vermont SR-22 FAQs
It’s normal to feel overwhelmed when purchasing an SR-22 policy. Fortunately, once you find the right insurer, it handles the heavy lifting. You just need to make sure to drive safely and maintain coverage. Find more information below to help you navigate the process.
How long do you have to hold an SR-22 in Vermont?
In Vermont, you’re required to maintain an SR-22 policy for three years. If you allow your coverage to lapse, your insurance company must report it to the state. As a result, you’ll face driver’s license suspension immediately.
How do you get rid of an SR-22 in Vermont?
You can only remove an SR-22 form after you fulfill the term requirement by paying for a qualifying insurance policy for three years without lapse. You should also avoid adding more convictions to your driving record.
What happens to your SR-22 in Vermont if you move?
If you move to Vermont from another state with an SR-22, your insurance company must submit an SR-22 to Vermont before you can obtain your new driver’s license. The company that submits your SR-22 must have a license to sell insurance in the state. If you’re leaving Vermont, your insurance company should submit your SR-22 to the state where you’ll reside.
Do you need an SR-22 in Vermont if you don’t have a car?
Yes. Drivers who wish to maintain their driving privileges must pay for a nonowner policy. Failure to pay for SR-22 coverage will result in the suspension of your driving privileges.
Angela Brown is a freelance writer with 17 years of professional writing and editing experience. She specializes in finance, real estate, and insurance content. Angela uses her experience to create easy-to-understand content that helps consumers understand tough topics better. When she’s not working, she enjoys spending time with her family and planning vacations.