Car Insurance Non-owner car insurance in Vermont: Which company has the cheapest rates? The average cost in Vermont for a non-owner car insurance policy is $292 a year, but USAA and Vermont Mutual offer lower rates. Written by: Leslie Kasperowicz | 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. | Posted on March 16, 2023 Why you can 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 our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 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 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 AgeMaleFemale16$874$80617$773$71018$714$65919$575$52420$544$49821$464$42222$423$38923$408$37924$389$36125$327$32530$301$30035$296$29740$292$29145$289$28950$284$28655$280$28060$281$28265$283$28870$294$29875$327$328 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 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 car 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 Center$276North Bennington$276North Pownal$276Pownal$276Readsboro$276Stamford$276 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 10 largest cities in VermontNon-owner car ratesBurlington$295South Burlington$294Winooski$294Essex Junction$289Shelburne$285Barre$280Montpelier$280Bennington$276Rutland$273Middlebury$261 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 StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 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: Contact a car 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 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. 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... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner car insurance cost in Vermont? Which insurer offers the cheapest non-owner insurance rates in Vermont? How much is non-owner car insurance in Vermont by age? Which Vermont cities have the cheapest non-owner auto insurance? How much is non-owner auto insurance in Vermont's 10 biggest cities? How non-owner insurance rates in Vermont compare to rates in other states How to get non-owner auto insurance in Vermont Get instant quotes now ! Please enter valid zip Get quote