Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Vermont driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $25 a month in Vermont for the coverage limit of 25/50/10.
- The non-owner car insurance rate is $296 per year—lower than liability-only coverage of $324 for Vermont drivers.
- Co-operative Insurance Companies offers the cheapest non-owner car insurance rates in Vermont at an average cost of $10 per month.
Do I need non-owner car insurance in Vermont?
Non-owner car insurance in Vermont is important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in Vermont
Vermont drivers can expect to pay an average of $25 per month or $296 annually for non-owner car insurance with a coverage limit of 25/50/10.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
Cheapest non-owner car insurance companies in Vermont
According to CarInsurance.com’s analysis, Co-operative Insurance Companies offers the lowest non-owner car insurance rates in Vermont, with an average cost of $10 per month. Vermont Mutual and Progressive also provide affordable non-owner insurance premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
See the cheapest companies for non-owner car insurance in Vermont in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Co-operative Insurance Companies | $121 | $10 |
| Vermont Mutual | $123 | $10 |
| Progressive | $318 | $27 |
| State Farm | $329 | $27 |
| Nationwide | $377 | $31 |
| Geico | $460 | $38 |
| Farmers | $557 | $46 |
| USAA* | $82 | $7 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Vermont, by age and gender
Non-owner car insurance costs in Vermont vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $554 monthly, whereas if you add a 16-year-old female, you’ll pay $510 per month, based on CarInsurance.com’s analysis.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in Vermont.
The table below shows how non-owner car insurance rates vary by age and gender in Vermont.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $537 | $498 |
| Young Adults (20-24) | $378 | $378 |
| Adults (25-60) | $293 | $296 |
| Seniors (65-75) | $291 | $297 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Vermont cities
In St. Albans the average cost of non-owner auto insurance is $24 per month or $289 per year, and Newport drivers pay $24 a month for the same coverage.
Car insurance premiums in Vermont vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Vermont city can lead to higher insurance rates overall, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| St. Albans | $289 | $24 |
| Newport | $290 | $24 |
| Bellows Falls | $297 | $25 |
| Barre | $299 | $25 |
| Montpelier | $300 | $25 |
| Rutland | $316 | $26 |
| Essex Junction | $316 | $26 |
| South Burlington | $351 | $29 |
| Burlington | $353 | $29 |
| Winooski | $353 | $29 |
Affordable non-owner insurance in Vermont, by ZIP code
In Vermont, a 40-year-old driver living in ZIP code 5450 pays $288 a year or $24 per month for non-owner insurance, while the coverage costs $288 a year or $24 per month for a driver in ZIP code 5441 with a clean driving record.
When should you consider buying non-owner car insurance in Vermont?
Non-owner car insurance is designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
Final thoughts on non-owner car insurance in Vermont
Non-owner car insurance is a good option in Vermont to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
It is a good option for those who often rent or borrow vehicles as it offers liability coverage when driving someone else’s car and can supplement the car owner’s existing insurance policy.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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