Vermont Multi-Violation Points Suspension Insurance
Vermont requires 25/50/10 liability coverage and is an at-fault state.
Get My Point-Reduction Insurance QuoteVermont 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
The Vermont DMV suspends licenses when drivers accumulate 10 points within 24 months. Points remain on your driving record for 24 months from the violation date. Vermont allows defensive driving courses to remove up to 4 points once every 24 months, which can prevent or lift a suspension if completed before the point threshold triggers enforcement.
Liability Insurance
Uninsured Motorist Coverage
SR-22 Filing (if violation-triggered)
Non-Standard Auto Insurance
What Drivers Pay in Vermont
$243–$259/mo
Typical monthly rate in Vermont, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- At-fault accidents combined with moving violations push you into high-risk classification, doubling base premiums regardless of coverage level.
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance QuoteIf 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 many points suspend your license in Vermont?
Vermont suspends your license when you accumulate 10 points within 24 months. Points remain on your driving record for 24 months from the violation date, not the conviction date. If you complete a Vermont-approved defensive driving course, you can remove up to 4 points once every 24 months, which can prevent or lift a suspension if completed before enforcement begins.
Do I need SR-22 for a Vermont points suspension?
Not for the points suspension itself. Vermont does not require SR-22 filing solely because you crossed the 10-point threshold. However, if one of the violations that contributed points — such as DUI, reckless driving, leaving the scene, or driving on a suspended license — triggered a separate SR-22 requirement, you must maintain that filing for 3 years regardless of whether the points suspension is resolved.
How long does a Vermont points suspension last?
Vermont suspends your license for 7 days to 90 days depending on how far over the 10-point threshold you went and whether this is your first suspension. A first offense at exactly 10 points typically suspends for 7–14 days. A second suspension within 3 years, or accumulating 15+ points, extends the period to 30–90 days. You must pay all reinstatement fees and outstanding fines before the DMV lifts the suspension.
Coverage Types
High-Risk Auto Insurance
Coverage designed for drivers with multiple violations, point suspensions, or non-renewal from standard carriers. Accepts profiles standard carriers decline.
Multi-Violation Driver Insurance
Specialized policies for drivers with three or more moving violations within a two-year period. Prices all violations into a single risk tier.
SR-22 Insurance
Continuous-coverage certification required after DUI, reckless driving, or driving on a suspended license. Filed by your carrier directly with the Vermont DMV.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers. Higher acceptance rates and flexible underwriting for complex violation histories.
Liability Insurance
Covers bodily injury and property damage you cause to others. Vermont's 25/50/10 minimum is the legal floor but rarely sufficient in serious accidents.