Insurance with an SR-22 in Vermont

The Zebra
Nov. 16, 2018

If you're required by law to get an SR-22 in Vermont, you are not alone. This relatively common legal requirement is often needed after a citation like a DWI conviction, a ticket for driving without insurance, an at-fault collision with substantial property damage, driving with a suspended license, or accruing too many license points.

Getting affordable car insurance with an SR-22 in Vermont might not be easy, but it's worth the trouble. We assessed how much a Vermont SR-22 certificate costs and how to go about getting one — let’s dive in.

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How much should you expect to pay for an SR-22 in Vermont?

Insurance with an SR-22 stipulation in Vermont can be expensive. This isn't a direct cost of the SR-22 — filing fees might be just $15 to $35 — but thanks to the insurance cost increases from the violation that prompted the SR-22 requirement to begin with.

Insurance companies charge risky drivers higher rates on account of the increased chance of claims payouts via collisions. The price increase you’ll receive will depend on the number and severity of your violations — below are standard auto insurance rates with an SR-22 in Vermont.

High-risk rating factorAverage yearly rateIncrease vs. no violations
No violations$1,027.44
At-fault collision (>$2,000)$1,527.00$499.56
Speeding (21-25 mph > limit)$1,212.98$185.54
Reckless driving$1,701.79$674.35
Leaving the scene of an accident$2,172.63$1,145.19

If you need cheap auto insurance after getting an SR-22, The Zebra is here to help. Provide your ZIP code below to receive personalized car insurance rates from leading insurers.

How to easily get an SR-22 in Vermont

Already insured:

If you already have car insurance, obtaining an SR-22 certificate is relatively easy. Just call your auto insurance company request they file an SR-22 request for you. If your current auto insurance company isn’t willing to request an SR-22 certificate, you’ll need to shop for a new policy with a new insurance company.

If you're uninsured:

When applying for auto insurance, you might be saddled with an up-front fee to cover the SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 may disqualify you from buying insurance from some companies, while others would be happy to cover you.

For drivers who don’t own a vehicle:

Not owning a vehicle makes it more difficult to obtain an SR-22, since you typically need to show proof of insurance to obtain the document. If this is the case, purchase a non-owners auto insurance policy before asking for an SR-22. Non-owners car insurance should be less costly than standard coverage since it won’t provide protection for physical damage to your car.


Between September and December 2017, we conducted in-depth pricing analysis via our proprietary quote engine, including data from rating systems and public rate filings. The Zebra analyzed nearly 53 million rates to identify trends related to specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.