Car Insurance After a DUI in Vermont: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Vermont increases car insurance rates by an average of 62%, raising a typical full coverage policy from $1,218/year to $1,973/year. That's an increase of $755/year ($63/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Vermont
Before DUI
$102/mo
$1,218/year full coverage
After DUI (+62%)
$164/mo
$1,973/year full coverage
Cheapest Companies After DUI in Vermont
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $122/mo | $1,460/yr | Military families |
| Erie Insurance | $130/mo | $1,559/yr | Rate lock guarantee |
| GEICO | $135/mo | $1,618/yr | Clean driving record |
| Progressive | $145/mo | $1,736/yr | Telematics savings |
| State Farm | $150/mo | $1,795/yr | Good students |
| Travelers | $156/mo | $1,874/yr | Multiple discounts |
| Nationwide | $171/mo | $2,052/yr | Bundling home + auto |
| Farmers | $178/mo | $2,131/yr | Signal telematics |
| Allstate | $184/mo | $2,210/yr | Accident forgiveness |
| Liberty Mutual | $194/mo | $2,328/yr | New car replacement |
USAACheapest
Monthly
$122/mo
Annual
$1,460/yr
Best for: Military families
Erie Insurance
Monthly
$130/mo
Annual
$1,559/yr
Best for: Rate lock guarantee
GEICO
Monthly
$135/mo
Annual
$1,618/yr
Best for: Clean driving record
Progressive
Monthly
$145/mo
Annual
$1,736/yr
Best for: Telematics savings
State Farm
Monthly
$150/mo
Annual
$1,795/yr
Best for: Good students
Travelers
Monthly
$156/mo
Annual
$1,874/yr
Best for: Multiple discounts
Nationwide
Monthly
$171/mo
Annual
$2,052/yr
Best for: Bundling home + auto
Farmers
Monthly
$178/mo
Annual
$2,131/yr
Best for: Signal telematics
Allstate
Monthly
$184/mo
Annual
$2,210/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$194/mo
Annual
$2,328/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Vermont, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Vermont
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Vermont
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Vermont
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $164/mo | +62% |
| Year 1 | $158/mo | +56% |
| Year 2 | $149/mo | +47% |
| Year 3 | $133/mo | +31% |
| Year 5 | $114/mo | +12% |
| Year 7 | $102/mo | Normal |