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

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Non-owner auto insurance in Vermont is $292 per year, according to Insure.com’s 2023 rate analysis, which is $88 lower than the rest of the nation on average.

In Vermont, these policies are available from companies such as American Family, Geico and State Farm, in addition to many others.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“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.

In addition to understanding the various requirements, it’s important to know 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 cheaper than regular auto insurance — insurers consider non-owner policyholders as less of a risk because they have limited access to a vehicle.

On average in the United States, it’s $1,682 a year 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 property damage. This applies to drivers with clean driving records and good credit scores. It costs $1,102 in Vermont.

On the other hand, non-owner car insurance is $380 on average in the U.S. and $292 in Vermont.

But there are various criteria to consider when comparing rates, such as where in Vermont you live, which insurer you purchase from as well as your age and driving history.

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

In Vermont, USAA’s non-owner insurance policy is the cheapest at $82 a year on average.

At $476 a year, Farmers Insurance charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed 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 plays an important role in pricing because young people who haven’t been driving for a long time are riskier; they are more likely to cause an accident. Therefore, older and more experienced drivers usually enjoy lower rates. On average, non-owner insurance costs $840 a year for a 16-year-old and $289 for a 45-year-old in Vermont.

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

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

From city to city, there’s a lot of variation in rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism within the area.

Below are charts displaying the cities in Vermont with the cheapest and most expensive non-owner auto insurance rates.

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

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

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

The biggest cities in Vermont can have significantly different non-owner insurance rates. The non-owner insurance price in Burlington is the highest at $295, whereas Middlebury has the least expensive rates among the state’s most populous cities at $261.

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

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

From state to state, the rates for non-owner auto insurance can also differ. Vermont’s average non-owner insurance rate is $292; lower than the $380 average nationally. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 per year. After that, it’s Iowa at $193 annually.

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

How to get non-owner auto insurance in Vermont

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact a car 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 quote on a non-owner insurance policy, don’t go online and call your insurer instead.

“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 some insurers with their contact 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.