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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.

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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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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $85
    $7
  • Nationwide
    $417
    $35
  • GEICO
    $467
    $39
  • Progressive
    $508
    $42
  • State Farm
    $561
    $47
  • MetLife
    $686
    $57
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How Much Is Non-Owner Car Insurance in Vermont?

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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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  • 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
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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.

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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.