Vermont SR-22 and car insurance quotes
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How SR-22 works in Vermont
An SR-22 isn't a type of insurance. It's a certificate your insurance company files with the Vermont Department of Motor Vehicles (DMV) to prove you carry at least the state minimum coverage. Vermont calls it Financial Responsibility Insurance. The DMV requires one to reinstate after any DUI suspension, even a first one. It can also require one after a crash when you can't show you were insured, an unpaid crash judgment, driving with a suspended license, leaving the scene of a crash, or a careless or reckless driving conviction involving a death. Vermont law sets the time at 1 year in most cases, counted from your reinstatement eligibility date if you were suspended, and 3 years after a second or later DUI or a conviction involving a death.
- Your insurance company files the SR-22 with the Vermont DMV for you. The DMV won't take one from an agent
- Keep the policy active the whole time. Your insurer must give the DMV 15 days' notice before it cancels, and the DMV suspends your license if the coverage lapses
- A licensed agent can quote it today and explain your options
Vermont minimum car insurance
Vermont requires at least $25,000 for injuries per person, $50,000 per accident and $10,000 for property damage, often written as 25/50/10. Your SR-22 policy has to meet at least these limits.
No car? Non-owner SR-22 in Vermont
A Vermont SR-22 covers you, not one car, so it applies to any vehicle you drive. If you don't own a car, a non-owner policy can carry the SR-22. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 and car insurance across Vermont
We help drivers anywhere in Vermont. These cities and towns have their own page with local details, but you don't need one: call or start a quote from wherever you live.
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Vermont SR-22 questions
Who needs an SR-22 in Vermont?
The Vermont DMV requires one to reinstate after any DUI suspension, civil or criminal, even a first one. It can also require one after a crash with an injury or $3,000 or more in damage when you can't show you were insured, an unpaid crash judgment, driving with a suspended license, leaving the scene of a crash, or a careless or reckless driving conviction involving a death. If you aren't sure, ask the DMV or a licensed agent.
How long do I need an SR-22 in Vermont?
Vermont law sets it at 1 year in most cases, counted from your reinstatement eligibility date if your license was suspended. After a second or later DUI, or a careless or reckless driving conviction involving a death, it's 3 years. The DMV's insurance page says at least 3 years, so confirm your dates with the DMV.
What happens if my SR-22 lapses in Vermont?
Your insurer has to give the DMV 15 days' notice before it cancels the policy, and the DMV suspends your license if the coverage lapses. Line up a new SR-22 before you switch companies.
Can I get an SR-22 in Vermont without a car?
Yes. A Vermont SR-22 covers you in any vehicle you drive, so a non-owner policy can carry it. A licensed agent can quote one.
Sources: Vermont DMV: insurance and Financial Responsibility (SR-22) · Vermont DMV: license suspensions and reinstatement · 23 V.S.A. 800: minimum limits · 23 V.S.A. 809: how long the SR-22 is kept
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