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.
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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.
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
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- CompanyAnnual PremiumMonthly Premium
- USAA$85$7
- Nationwide$417$35
- GEICO$467$39
- Progressive$508$42
- State Farm$561$47
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How Much Is Non-Owner Car Insurance in Vermont?
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
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- CompanyAnnual PremiumMonthly Premium
- USAA$167$14
- Nationwide$417$35
- State Farm$561$47
- Progressive$562$47
- GEICO$1,006$84
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
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.
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
- CompanyContact Number
- USAA800-531-8722
- Nationwide877-669-6877
- GEICO800-207-7847
- Progressive888-671-4405
- State Farm800-782-8332
- MetLife800-422-4272
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.