Cheapest and Best Non-Owner Car Insurance in Vermont (2024)

Non-owner car insurance provides coverage for third-party property damage and bodily injury liability. People who frequently drive but don’t own cars, as well as those who need to reinstate their suspended driver’s license after a severe violation, may benefit from this type of policy.

Based on MoneyGeek’s study, State Farm offers the cheapest non-owner car insurance in Vermont. An average policy from this insurer costs $23 per month for those with clean records and $25 per month for those with violations. Find out if non-owner car insurance is suitable for your situation before purchasing a policy.

Vermont’s cheapest companies for non-owner car insurance are:

• Drivers with clean records: State Farm ($23 per month)
• Drivers with violations: State Farm ($25 per month)

If you have a violation on your driving record, your insurance premiums will be higher. For instance, State Farm’s average rate for non-owner drivers with violations costs $2 more per month than its average rate for those with clean records.

For Vermont drivers with clean records, the cheapest non-owners auto insurance policies are offered by:

• State Farm: $23 per month
• Progressive: $28 per month

At around $10 per month, USAA is the least expensive option for non-owner drivers. However, USAA policies are only available to military members, veterans and their families.

In Vermont, the cheapest non-owner car insurance costs an average of $23 per month. For comparison, the national average is $43 per month.

In Vermont, non-owner drivers looking for low-cost SR-22 coverage may get the cheapest rates from:

• State Farm: $25 per month
• Nationwide: $42 per month

USAA provides the most affordable rate for military families at about $15 per month.

Drivers with offenses such as a DUI on their record may be required to file an SR-22 and risk having to pay more for car insurance. The cheapest non-owner SR-22 insurance in Vermont costs $25 per month, which is $34 less than the national average of $59 per month.

Non-owner car insurance is designed for individuals who drive often but don’t own a car. It provides financial protection against liability for third-party bodily injury or property damage but doesn’t cover injuries or damages to you or the vehicle you're driving.

Getting non-owner car insurance in Vermont may be a good idea if you frequently rent or borrow cars. The table below shows the coverage variations between non-owner and full coverage policies.

On average, the cost of car insurance for non-owner drivers in Vermont is $26 per month. This rate is $17 cheaper than the national average of $43 per month.

Although location influences how much you’ll pay for auto insurance, factors like age, coverage levels, driving record and vehicle type have a more significant impact on your premiums.

The best companies for non-owner car insurance in Vermont are:

• State Farm: MoneyGeek score of 59 out of 100 ($23 per month)
• Progressive: MoneyGeek score of 52 out of 100 ($28 per month)
• Nationwide: MoneyGeek score of 44 out of 100 ($34 per month)

Our ranking took into account each insurer’s J.D. Power customer satisfaction rating, financial stability rating from AM Best, affordability and coverage options. Our overviews of the top three companies can help you determine the best option for your particular needs.

Non-owner car insurance is ideal for individuals who don’t own cars but find themselves frequently driving rented or borrowed vehicles. It’s also a good choice for those who need to get their licenses reinstated and those who want to avoid a lapse in coverage.

It’s common to have questions about cost and service quality when purchasing non-owner car insurance in Vermont. We answered some of the most frequently asked questions below.