Non-owner car insurance is designed for individuals who often drive vehicles they don’t own. It provides liability coverage, which pays for property damage or bodily injuries you cause while driving someone else’s car. It offers financial protection and peace of mind, helping you avoid substantial, unexpected expenses should an accident occur.
Non-owner car insurance generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history 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 essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
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 may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
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 |
Non-owner car insurance in Vermont, by age and gender
Non-owner car insurance costs in Vermont can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $554 a month, while adding a 16-year-old female might increase your monthly cost by $510.
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 the cost of non-owner car insurance based on age and gender.
| 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 non-owner auto insurance costs $24 per month or $289 annually, while drivers in Newport pay $24 monthly for the same coverage.
In Vermont, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living also determines the premiums. In areas with higher costs of living in Vermont, you can expect to pay more for non-owner insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| 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
A Vermont driver aged 40 living in ZIP code 5450 pays $288 annually or $24 monthly for non-owner car insurance, while a 40-year-old in ZIP code 5441 with a clean driving record pays $288 per year or $24 per month.
When should you consider buying non-owner car insurance in Vermont?
Non-owner car insurance provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
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.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Vermont
Non-owner car insurance is an excellent choice in Vermont if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
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. USAA also made it to the list, but it provides services only to current and former military members and their families.
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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