Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Nov 2, 2020

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What Is Vermont SR22 Insurance?

A Vermont SR22 car insurance form proves that a driver is financially responsible for carrying the right amount car insurance coverage for the state. A Vermont SR-22 auto insurance form should prove that the driver carries at least the state minimum amount of liability coverage. In Vermont, these state minimums are at least $25,000 per person injured in an accident, $50,000 for more than one person per accident, and $10,000 in property damage liability coverage.

Six major factors affect car insurance rates in Vermont. Which auto insurance factors will affect SR22 rates the most? Typically that’s a VT DUI.

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Who is Responsible for Filing an SR-22 Insurance Form in Vermont?

The driver’s auto insurance company files the Vermont SR-22 car insurance form with the Commissioner of the Vermont Department of Motor Vehicles. The state does not notify the driver that they have to file, so the driver is responsible for requesting that an SR22 form be filed.

Who Needs a Vermont SR22 Insurance Form?

In Vermont, SR22 auto insurance forms are required for drivers who have been convicted of certain moving violations. These violations include driving a vehicle without car insurance coverage, reckless driving, failure to stop at the scene of an accident, driving a vehicle with a suspended driver’s license or without a driver’s license, or multiple moving violations.

Are There Different Types of Vermont SR22 Forms?

Yes, there are three major types of Vermont SR-22 car insurance forms: an Operator’s Certificate, an Owner’s Certificate and the Operators-Owners Certificate. The Vermont SR22 Operator’s Certificate covers the car insurance for drivers who drive a vehicle that they do not own. The Owner’s Certificate SR22 form in Vermont proves financial responsibility for vehicles owned by the driver. The Vermont SR22 Operators-Owners Certificate covers the driver and all the vehicles that they drive and/or own.

How Do I File a Vermont SR22 Insurance Form?

The driver’s car insurance policy holder files a SR22 insurance form with the Commissioner of the Vermont Department of Motor Vehicles, and the driver must ask their insurance company to file the form. Sometimes a SR22 processing fee is associated with filing a VT SR-22 car insurance form, but it may be included in the car insurance policy. The best way to find low cost Vermont SR22 insurance is to get a free online quote!