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Non-owner car insurance provides coverage for third-party property damage and bodily injury liability. People who frequently drive but don’t own cars, as well as those who need to reinstate their suspended driver’s license after a severe violation, may benefit from this type of policy.

Based on MoneyGeek’s study, State Farm offers the cheapest non-owner car insurance in Vermont. An average policy from this insurer costs $23 per month for those with clean records and $25 per month for those with violations. Find out if non-owner car insurance is suitable for your situation before purchasing a policy.

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Cheapest Non-Owner Car Insurance in Vermont

Vermont’s cheapest companies for non-owner car insurance are:

  • Drivers with clean records: State Farm ($23 per month)
  • Drivers with violations: State Farm ($25 per month)

If you have a violation on your driving record, your insurance premiums will be higher. For instance, State Farm’s average rate for non-owner drivers with violations costs $2 more per month than its average rate for those with clean records.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Vermont

For Vermont drivers with clean records, the cheapest non-owners auto insurance policies are offered by:

At around $10 per month, USAA is the least expensive option for non-owner drivers. However, USAA policies are only available to military members, veterans and their families.

In Vermont, the cheapest non-owner car insurance costs an average of $23 per month. For comparison, the national average is $43 per month.

Cheapest Annual Premium
Cheapest Monthly Premium

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The minimum car insurance requirements in Vermont also apply to non-owner drivers. They are as follows:

  • $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

Note that a minimum coverage policy may not provide enough coverage for all drivers. It’s crucial to determine how much coverage you need before getting a policy.

Cheapest Non-Owner SR-22 Car Insurance in Vermont

In Vermont, non-owner drivers looking for low-cost SR-22 coverage may get the cheapest rates from:

USAA provides the most affordable rate for military families at about $15 per month.

Drivers with offenses such as a DUI on their record may be required to file an SR-22 and risk having to pay more for car insurance. The cheapest non-owner SR-22 insurance in Vermont costs $25 per month, which is $34 less than the national average of $59 per month.

Cheapest Annual Premium
Cheapest Monthly Premium

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SR-22 insurance is a common phrase, but SR-22 is not a type of insurance policy. Rather, it's a form filed with the state DMV by your insurer to prove that you’re meeting your state’s minimum car insurance requirements. You may need to file an SR-22 in Vermont if you have severe driving violations on your record, including driving without insurance or a DUI.

What Is Non-Owner Car Insurance?

Non-owner car insurance is designed for individuals who drive often but don’t own a car. It provides financial protection against liability for third-party bodily injury or property damage but doesn’t cover injuries or damages to you or the vehicle you're driving.

Getting non-owner car insurance in Vermont may be a good idea if you frequently rent or borrow cars. The table below shows the coverage variations between non-owner and full coverage policies.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability



Average Cost of Non-Owner Car Insurance in Vermont

On average, the cost of car insurance for non-owner drivers in Vermont is $26 per month. This rate is $17 cheaper than the national average of $43 per month.

Although location influences how much you’ll pay for auto insurance, factors like age, coverage levels, driving record and vehicle type have a more significant impact on your premiums.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Vermont Average Cost

Monthly Premium

On average, non-owner car insurance in Vermont is:$17 saved

This is 40% less expensive.

Best Non-Owner Car Insurance in Vermont

The best companies for non-owner car insurance in Vermont are:

  • State Farm: MoneyGeek score of 59 out of 100 ($23 per month)
  • Progressive: MoneyGeek score of 52 out of 100 ($28 per month)
  • Nationwide: MoneyGeek score of 44 out of 100 ($34 per month)

Our ranking took into account each insurer’s J.D. Power customer satisfaction rating, financial stability rating from AM Best, affordability and coverage options. Our overviews of the top three companies can help you determine the best option for your particular needs.

MoneyGeek Top Pick
State Farm

As our top choice for the best non-owner car insurance in Vermont, State Farm has an excellent customer satisfaction record and financial stability rating. This means that it’s a financially sound company that can pay claims and provide high-quality service.

With State Farm, you can take advantage of various discounts to lower your insurance costs. These include discounts for bundling, insuring multiple cars, completing a defensive driving course and having safety features in your vehicle such as anti-lock systems and airbags.

Read the full State Farm car insurance review.


Progressive stands out for its customer service, financial stability and coverage options. However, its claims management rating is below average.

Among the available add-on coverages you can purchase from Progressive are deductible modification and accident forgiveness. When it comes to discount opportunities, the company offers discounts for bundling policies, insuring more than one car, enrolling in paperless billing, paying your annual premium in full, getting a quote online and more.

Read the full Progressive car insurance review.

Third Place

Nationwide has superior financial strength and provides a broad range of optional coverages. That said, its customer satisfaction rating is lower than some of its competitors.

Nationwide’s add-on coverage options include accident forgiveness, deductible modification, roadside assistance, identity theft and total loss deductible waiver. For discounts, the company offers savings for bundling, taking defensive driving classes, going paperless, insuring multiple cars and setting up automatic payments.

Read the full Nationwide car insurance review.

Should You Get Non-Owner Car Insurance in Vermont?

Non-owner car insurance is ideal for individuals who don’t own cars but find themselves frequently driving rented or borrowed vehicles. It’s also a good choice for those who need to get their licenses reinstated and those who want to avoid a lapse in coverage.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Non-owner car insurance is a solid choice for those who often borrow cars from friends or family members. It provides financial protection if they are involved in an at-fault accident. This alternative is also more affordable compared to purchasing a full coverage policy.

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    Occasional renters

    People who occasionally rent cars may consider getting non-owner car insurance as it provides liability coverage for property damage and bodily injury to others in the event of an at-fault accident. Plus, this type of insurance is a low-cost alternative to a standard car insurance policy.

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    Drivers between cars

    Insurance providers often consider coverage history when determining rates. If you recently sold your vehicle or don’t plan on driving for an extended period, non-owner car insurance can prevent you from having a lapse in coverage and help you avoid more expensive premiums when you get regular coverage again.

  • driverLicense icon

    License reinstatement seekers

    Drivers looking to reinstate their license after having it suspended are typically required to get non-owner car insurance and file an SR-22 form. This proves that they have the minimum coverage required in their state and helps them regain their driving privileges.

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Beware of insurers that offer “one-day insurance” as it is not a legitimate product and could potentially be a scam. If you’re looking for temporary car insurance in Vermont, say for a road trip or a move, we advise you to buy rental car insurance from the car rental company.

Frequently Asked Questions About Non-Owner Car Insurance in Vermont

It’s common to have questions about cost and service quality when purchasing non-owner car insurance in Vermont. We answered some of the most frequently asked questions below.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.