Non-owner car insurance in Vermont: Which company has the cheapest rates?

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Non-owner auto insurance in Vermont costs $266 per year, which is $87 lower than the average nationally, according to an Insure.com 2023 rate analysis.

In Vermont, non-owner policies are available from companies such as American Family, Geico and State Farm.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Vermont.

How much does non-owner car insurance cost in Vermont?

Non-owner insurance is usually less expensive than full coverage auto insurance—insurers consider non-owner policyholders as less risky because they have minimal access to a vehicle.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 annually for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. Full coverage car insurance is $1,102 in Vermont.

On the other hand, non-owner car insurance is $353 a year on average in the United States and $266 in Vermont.

But actual rates are based on where in Vermont you live, your age and driving history and other points.

Which insurer offers the cheapest non-owner insurance rates in Vermont?

USAA offers Vermont’s least expensive non-owner insurance policy at $82 a year.

At $424 a year, Progressive charges the highest rate for non-owner insurance in the state.

The best way to find the lowest price is to compare quotes from several different insurers. We have listed Vermont’s most affordable non-owner insurance policies below.

Cheapest non-owner insurance rates in Vermont

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Vermont by age?

Age is an important factor when it comes to pricing. Young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. Vermont non-owner insurance costs, on average, $579 a year for a 16-year-old, while it’s $263 for a 45-year-old driver.

Average non-owner auto insurance rates in Vermont by age and gender

Which Vermont cities have the cheapest non-owner car insurance?

It’s common for rates to vary greatly from ZIP code to ZIP code. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities.

Below are the cheapest and most expensive cities for non-owner car insurance in Vermont.

The 20 Vermont cities with the lowest non-owner car insurance rates

The 20 Vermont cities with the highest non-owner auto insurance rates

How much is non-owner auto insurance in Vermont’s 10 biggest cities?

The most populous cities in Vermont have varying non-owner insurance rates. The cost of non-owner insurance in Burlington is the highest at $295; Enosburg Falls has the least expensive rates of the largest cities in the state at $253.

Non-owner car rates in Vermont’s 10 largest cities

How non-owner insurance rates in Vermont compare to rates in other states

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Vermont is $266 a year, which is lower than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and Iowa at $193 a year.

Non-owner auto insurance rates in the 10 most populous states

How to get non-ownercar insurance in Vermont

To get a non-owner policy, you’ll need your driver’s license number and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

In many cases, you’ll get proof of insurance almost immediately.

For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Here are a few insurance companies with their phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.