SR-22 After DUI
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Vermont DUI SR-22 Insurance After Conviction

Vermont requires 25/50/10 liability coverage and is an at-fault state.

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Vermont at a Glance

25/50/10

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

PIP and Uninsured motorist coverage must be on every policy

$96

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Vermont

Vermont operates under a traditional tort system, meaning the at-fault driver's liability insurance pays for damages in an accident. After a DUI conviction, the Vermont DMV requires SR-22 filing as proof of continuous liability coverage, and reinstatement is not complete until the SR-22 is on file. Vermont law requires proof of insurance for all registered vehicles, and driving without it triggers additional license suspension.

Bodily Injury Liability

Covers injuries you cause to others in an accident. After DUI, maintaining continuous bodily injury coverage without lapses is mandatory for the entire SR-22 filing period.

Property Damage Liability

Covers damage you cause to another person's vehicle or property.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Vermont law requires carriers to offer uninsured motorist coverage at the same limits as your liability policy, and you must reject it in writing at policy inception — verbal rejection does not count. If you don't complete the rejection form, the coverage is automatically included and your premium reflects it.

SR-22 Certificate of Financial Responsibility

The SR-22 is not insurance but a filing your carrier submits to the Vermont DMV certifying you maintain minimum liability coverage. Vermont SR-22 starts on your reinstatement date, not your conviction date, and any lapse in coverage triggers immediate electronic notification to the DMV, resulting in automatic license re-suspension. The filing period restarts if you allow coverage to lapse before the 3-year requirement ends.

What Drivers Pay in Vermont

$259–$329/mo

Typical monthly rate in Vermont, drivers with an SR-22 after a DUI

Rate data: ValuePenguin and NerdWallet, 2026

What Affects Your Rate

  • Conviction class drives carrier acceptance — first-offense standard DUI qualifies with most non-standard carriers; aggravated DUI or repeat-offense conviction limits options to specialty high-risk insurers.
  • Time since conviction matters — rates drop after 36 months of clean driving post-reinstatement, but the DUI surcharge remains for 5–7 years with most carriers.
  • Vermont's rural road density and winter weather increase collision and comprehensive claim frequency, which elevates base rates before the DUI surcharge is applied.
  • License suspension length affects reinstatement complexity — drivers with 90-day or longer suspensions face additional DMV reinstatement fees beyond the SR-22 filing cost.
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Find an Insurer That Will File After a DUI

Get SR-22 Coverage After a DUI

If your license is suspended

Ignition Interlock Device Restricted Drivers License (RDL)

application fee $125.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

How long do I need SR-22 after a DUI in Vermont?

Vermont requires SR-22 filing for 3 years after DUI conviction, measured from your license reinstatement date, not your conviction date. If you allow your insurance to lapse at any point during those 3 years, the Vermont DMV is notified electronically within 24 hours, your license is re-suspended, and the 3-year period restarts from your next reinstatement.

What happens if my SR-22 insurance lapses in Vermont?

Your insurance carrier files an electronic SR-26 cancellation notice with the Vermont DMV within 24 hours of policy cancellation or lapse. The DMV immediately re-suspends your license, and reinstatement requires paying a new reinstatement fee, obtaining new SR-22 coverage, and restarting your 3-year filing period from the new reinstatement date.

Do I need SR-22 for a first-offense DUI in Vermont?

Yes, Vermont requires SR-22 filing for all DUI convictions, including first-offense standard DUI. The Vermont DMV will not reinstate your license after DUI suspension until your insurance carrier files the SR-22 certificate confirming you carry at least 25/50/10 liability coverage.

Which insurance companies write SR-22 policies after DUI in Vermont?

Most mainstream carriers like State Farm, Geico, Allstate, and Progressive will file SR-22 for existing customers after DUI but typically non-renew the policy at the end of the term. New DUI-SR-22 coverage in Vermont generally requires non-standard market carriers like Dairyland, The General, Bristol West, Direct Auto, or National General, with availability varying by county.

Does Vermont require FR-44 or SR-22 after DUI?

Vermont requires SR-22 filing after DUI. FR-44 is a separate filing used only in Florida and Virginia with higher liability minimums. Vermont drivers with DUI convictions must file SR-22 with 25/50/10 minimum coverage — never FR-44.

Coverage Types

SR-22 Insurance After DUI

The SR-22 certificate confirms you carry continuous liability coverage and is filed electronically by your carrier to the Vermont DMV. Any lapse triggers automatic re-suspension.

Non-Owner SR-22 for DUI

Non-owner SR-22 policies provide liability coverage when you don't own a vehicle but need to satisfy Vermont's SR-22 filing requirement for license reinstatement.

High Liability Limits

Liability limits above Vermont's 25/50/10 minimum protect your assets if you cause a serious accident and face a lawsuit exceeding state minimums.

Uninsured Motorist Coverage

Covers your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage to pay your claim.

Find Your City in Vermont

Burlington

suburban

Essex

suburban

South Burlington

suburban

Colchester

suburban

Rutland

urban