Non-Owner Car Insurance in Vermont: The Cheapest Options and What You Need to Know

Non-owner car insurance in Vermont costs an average of $454 per year. Nationwide, at an average cost of $417 yearly, is the best option if you are looking for cheap non-owner car insurance in Vermont. MoneyGeek’s guide can help you learn more about non-owner car insurance and determine if this coverage is right for you.

REVIEW AUTO INSURANCE RATES

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 8/16/2022

Non-owner car insurance in Vermont is a good option for drivers who frequently rent or share cars and for drivers who need proof of insurance to get their license reinstated.

On average, a driver in Vermont with a clean record will pay $454 yearly for non-owner car insurance, while a driver with a DUI will pay roughly $724 per year.

MoneyGeek analyzed the costs of non-owner insurance in Vermont to help you find the best options and also examined when you should and shouldn’t get this type of policy.

tip icon

Cheapest Non-Owner Car Insurance Companies in Vermont

Compared to a traditional car insurance policy, a non-owner car insurance policy typically costs less. However, you can save even more on your non-owner car insurance premiums by shopping around since rates can vary depending on the insurer.

On average, MoneyGeek found that the cheapest widely available non-owner car insurance companies in Vermont are:

  • Nationwide: $417 per year
  • GEICO: $467 per year

USAA, at $85 annually on average, is the most affordable insurer for non-owner policies in Vermont. However, only members of the military and their families qualify for this policy.

MetLife is the most expensive insurer for non-owner car insurance at $686 per year on average.

The rates used in this study are for a 40-year-old driver with a non-owner car insurance policy in Vermont and the limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Vermont

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $85
    $7
  • Nationwide
    $417
    $35
  • GEICO
    $467
    $39
  • Progressive
    $508
    $42
  • State Farm
    $561
    $47
  • MetLife
    $686
    $57
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

How Much Is Non-Owner Car Insurance in Vermont?

0
0

The average cost of non-owner car insurance in Vermont is $454 per year. Traditional car insurance costs an average of $419 per year, which is marginally cheaper than non-owner car insurance. However, depending on if you have a driving violation, these rates can be significantly higher.

A driver in Vermont with a DUI violation will pay an average of $724 per year for non-owner insurance, while a traditional policy for a driver with a DUI costs around $776 annually.

Cheapest SR-22 Non-Owner Car Insurance Companies in Vermont

In Vermont, drivers with serious violations such as DUIs may be required to file an SR-22. An SR-22 in Vermont is used as proof of insurance when you need to get your license reinstated. In such cases, a non-owner car insurance policy may be the most affordable option.

For drivers in Vermont with DUIs, MoneyGeek found that the cheapest non-owner car insurance companies are, on average:

  • Nationwide: $417 per year
  • State Farm: $561per year

If you have a military background, USAA offers the cheapest non-owner car insurance policy in Vermont at $167 per year.

MetLife is the most expensive option for non-owner SR-22 insurance in Vermont at $1,631 per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in Vermont

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $167
    $14
  • Nationwide
    $417
    $35
  • State Farm
    $561
    $47
  • Progressive
    $562
    $47
  • GEICO
    $1,006
    $84
  • MetLife
    $1,631
    $136
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

What Is Non-Owner Car Insurance in Vermont?

Non-owner car insurance is also referred to as non-owner liability insurance. This type of policy is the best option if you need insurance and don’t own a car. Non-owner liability car insurance in Vermont includes the minimum liability insurance required by the state.

It is important to note that non-owner car insurance does not include comprehensive and collision insurance, also known as full coverage.

tip icon
MONEYGEEK EXPERT TIP

Non-owner car insurance in Vermont needs to meet the minimum requirements set by the state insurance laws. These limits include:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $50,000 uninsured/underinsured motorist coverage per person
  • $100,000 uninsured/underinsured motorist coverage per accident
  • $10,000 uninsured/underinsured motorist property damage coverage per accident

Who Should Get Non-Owner Car Insurance in Vermont?

In Vermont, a non-owner car insurance policy will be the best option for you if:

  • You need insurance to get your license reinstated: Serious violations such as DUIs can lead to the suspension of your license. A non-owner car insurance policy can be used in such cases as proof of insurance. This is required before your license can be reinstated.
  • If you don’t have a car but rent or share cars often: A non-owner car insurance policy will provide the liability coverage you need when driving a rented or borrowed car. This policy will cover bodily injury and property damage as per the minimums set by the state.
  • If you do not have a car but want to maintain insurance coverage to avoid a lapse: If you do not want your insurance coverage to lapse, you can get a non-owner policy. This can save you money later on by preventing insurers from increasing your rates once you decide to get a traditional policy.

Who Shouldn’t Get Non-Owner Car Insurance in Vermont?

In some cases, a non-owner car insurance policy is not necessary. For instance, if you live in Burlington and you need to borrow a friend’s car, you will be covered under their car insurance policy provided they allow you to drive their vehicle.

Additionally, people who rent cars occasionally may also not require non-owner car insurance. For instance, if you only rent a car once or twice a year, rental car insurance will be sufficient and more affordable.

How to Get Non-Owner Car Insurance in Vermont

MoneyGeek confirmed that all the insurance companies on this page provide non-owner car insurance quotes. However, you cannot get a quote for non-owner car insurance online, so you will need to call the insurer for a quote. You can find contact information for the insurers that offer non-owner policies in Vermont below.

Contact Non-Owner Car Insurance Companies in Vermont
  • Company
    Contact Number
  • USAA
    800-531-8722
  • Nationwide
    877-669-6877
  • GEICO
    800-207-7847
  • Progressive
    888-671-4405
  • State Farm
    800-782-8332
  • MetLife
    800-422-4272

Frequently Asked Questions About Vermont Non-Owner Car Insurance

Non-owner liability car insurance is not the same as traditional car insurance. If you would like to find out more about non-owner insurance, here are answers to the most common questions about non-owner car insurance in Vermont.

Methodology

We collected non-owner car insurance quotes from across Vermont in collaboration with Quadrant Information Services. MoneyGeek based its analysis on policies for a 40-year-old driver both with a safe driving record and a DUI. Policies had Vermont minimum car insurance requirements except for liability insurance. These policies had the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The data used for traditional car insurance policies had the same limits.