Car Insurance Non-owner car insurance in Vermont: Which company has the cheapest rates? USAA and Vermont Mutual offer the lowest non-owner insurance rates in the state. Written by: Leslie Kasperowicz Leslie Kasperowicz 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. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on April 12, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 CompanyAverage annual premiumUSAA$82Vermont Mutual$120American Family$208Geico$318State Farm$346 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 AgeMaleFemale16$609$54817$560$50118$513$46219$465$41820$432$39521$366$33222$352$32423$337$31324$326$30425$287$28430$273$27135$270$26940$266$26445$264$26250$260$25955$259$25760$261$25965$264$26270$274$26975$307$296 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 Cities in VermontLowest non-owner car insurance ratesEnosburg Falls$253Averill$255Beebe Plain$255Beecher Falls$255Concord$255Craftsbury Common$255East Haven$255Gilman$255Greensboro$255Island Pond$255Morgan$255Norton$255Troy$255Bristol$256Craftsbury$256Danville$256East Burke$256Glover$256Irasburg$256West Burke$256 The 20 Vermont cities with the highest non-owner auto insurance rates Cities in VermontHighest non-owner car insurance ratesBurlington$295South Burlington$294Winooski$294Essex Junction$289Colchester$286Shelburne$285Barre$280Montpelier$280North Montpelier$280West Rutland$280Williston$279Center Rutland$278Charlotte$277East Montpelier$277Manchester$276North Bennington$276North Pownal$276Pownal$276Readsboro$276Stamford$276 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 10 largest cities in VermontNon-owner car ratesBurlington$295South Burlington$294Winooski$294Essex Junction$289Shelburne$285Barre$280Montpelier$280Bennington$276Rutland$273Enosburg Falls$253 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 StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385Georgia$373National Average$353Pennsylvania$337California$323Ohio$230 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: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs 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 KasperowiczManaging Editor  . .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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... 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