Vermont DUI & Violation Insurance Requirements
Vermont requires 25/50/10 liability coverage and is an at-fault state.
Find Coverage for My SituationVermont 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
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Vermont
After a DUI, license suspension, or serious violation in Vermont, most insurers will non-renew your policy at the next renewal date—not cancel it immediately, which gives you 30-60 days to find replacement coverage. For most violations, Vermont requires you to maintain continuous insurance and may require SR-22 filing to prove you carry coverage. Because standard carriers typically decline drivers with recent violations, you'll need to seek coverage from non-standard or high-risk insurers who specialize in violation profiles.
SR-22 Certificate Filing
Liability Insurance
Non-Standard Auto Insurance
High-Risk Auto Insurance
What Drivers Pay in Vermont
$155–$172/mo
Typical monthly rate in Vermont, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Time since violation—rates decrease as the violation ages, with significant drops at the 3- and 5-year marks
- Carrier availability—Vermont has fewer non-standard insurers than larger states, limiting competition and pricing options
- Prior insurance history—a lapse before the violation compounds rate increases
- Credit-based insurance score—Vermont allows insurers to use credit as a rating factor, which affects violation drivers disproportionately
Get Back to a Fair Rate After a Violation
Find Coverage for My SituationCoverage Types
High-Risk Auto Insurance
Coverage designed for drivers with DUIs, suspensions, or multiple violations who cannot qualify for standard policies. Rates are significantly higher but provide the legally required coverage and SR-22 filing.
Non-Standard Auto Insurance
Policies from carriers specializing in drivers who don't meet standard underwriting criteria. Often the only option immediately after a violation, with flexibility to upgrade coverage as your record improves.
SR-22 Insurance
Not a separate policy—SR-22 is a filing added to your existing liability coverage proving you meet Vermont's requirements. Your carrier submits it electronically to the DMV and monitors your policy for lapses.
Liability Insurance
The foundation of any auto policy, covering damage and injury you cause to others. Vermont's minimum is 25/50/10, but violation drivers should consider higher limits to protect assets.