Non-owner car insurance in Vermont: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in Vermont?

Vermont Mutual has the cheapest non-owner car insurance in Vermont at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $268. Progressive is the second-cheapest insurer at $320 per year, although rates vary significantly between companies.

The table below shows the most affordable non-owner car insurance companies in Vermont.

Company	Average annual premium	Average monthly premium
Vermont Mutual	$268	$22
Progressive	$320	$27
State Farm	$500	$42
Nationwide	$603	$50
GEICO	$608	$51

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Best non-owner car insurance in Vermont

Progressive is the best non-owner car insurance company in Vermont based on cost, customer complaints and financial strength ratings. GEICO and State Farm are also strong choices for drivers looking for affordable liability coverage.

To identify the best non-owner car insurance companies in Vermont, we considered several key factors, such as the number of customer complaints, financial strength, and average premium rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).

The table below provides a comparison of the top non-owner car insurance companies in Vermont.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
Progressive	$320	582	0.60	A+	4.16
GEICO	$608	639	0.60	A++	4.00
State Farm	$500	634	0.87	A+	3.72
Nationwide	$603	586	0.64	A	3.09

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Insurance.com's top choices for non-owner car insurance

Explore our top recommendations for non-owner car insurance in Vermont.

Progressive

Our top choice for non-owner car insurance in Vermont is Progressive, with an average rate of $320 for liability coverage. Progressive holds an AM Best rating of A+ and has an NAIC complaint ratio of 0.60.

GEICO

Another excellent choice for non-owner car insurance in Vermont is GEICO. Average rates are $608 annually. GEICO has an AM Best rating of A++ and an NAIC complaint ratio of 0.60.

State Farm

Our third pick is State Farm. State Farm rates average $500. Its NAIC complaint ratio is 0.87, and it has a rating of A+.

PEOPLE ASK:

Do I need Vermont non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

Average cost of non-owner car insurance in Vermont

The average cost of non-owner car insurance in Vermont is $460 per year. Rates depend on several factors, including your driving record, age, ZIP code, and coverage limits. Drivers with clean records and continuous insurance coverage generally pay lower premiums than drivers with accidents, violations or insurance lapses.

The average cost of non-owner car insurance will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

How do age and gender affect non-owner car insurance rates in Vermont?

Age and gender significantly impact non-owner car insurance rates in Vermont, with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Below are the average non-owner car insurance rates in Vermont by age and gender.

Age group	Male	Female
Teens (16-19)	$879	$824
Young Adults (20-24)	$592	$596
Adults (25-60)	$459	$459
Seniors (65-75)	$469	$463

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Do you need non-owner car insurance in Vermont?

You may need non-owner insurance in Vermont if you drive cars you do not own on a regular basis. This coverage can also help if you need proof of insurance to file an SR-22 after a license suspension.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in Vermont doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

Non-owner car insurance is cheaper because drivers without vehicles drive less often and file fewer claims. This coverage also acts as secondary insurance, meaning the car owner's policy pays first. Non-owner insurance may apply only after the vehicle owner's liability limits are exhausted.

The table below shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum liability only	$460
Traditional state minimum policy	$392
State minimum car insurance limits	25/50/10

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What does Vermont non-owner car insurance cover?

Non-owner car insurance in Vermont covers liability claims when you cause an accident in a borrowed or rented vehicle and other state-required coverage. Liability coverage pays for injuries and property damage caused to others.

This coverage may include:

Bodily injury liability
Property damage liability

However, it does not cover:

Damage to the car you are driving
Theft or vandalism

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Vermont

Drivers in Vermont might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.

Non-owner car insurance in Vermont costs an average of $460, with Vermont Mutual offering the lowest rates. Our analysis found that Progressive is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Be sure to compare your options to find the best non-owner car insurance in Vermont. You can use the tool above to quickly and easily compare non-owner insurance providers in your area.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in Vermont

Do I need non-owner insurance to drive a friend's car in Vermont?

No. If you have permission to drive the vehicle, the owner's insurance policy usually covers you under the permissive use provision. However, non-owner insurance can provide extra liability protection if accident costs exceed the owner's policy limits or if you regularly borrow vehicles.

Can I use non-owner insurance for Uber or delivery driving in Vermont?

No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.