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

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.

TABLE OF CONTENTS

1. Cheapest Non-Owner Car Insurance
2. Cheapest Non-Owner SR-22 Car Insurance
3. What is Non-Owner Car Insurance
4. Who Should Get Non-Owner Car Insurance

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

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

Show more

Compare Auto Insurance Rates

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

COMPARE QUOTES

How Much Is Non-Owner Car Insurance 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

• 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

Show more

Compare Auto Insurance Rates

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

COMPARE QUOTES

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.

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

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.

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

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.