- Cheapest non-owner car insurance companies in Vermont
- Best non-owner car insurance in Vermont
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Vermont
- Non-owner car insurance in Vermont by age and gender
- Non-owner vs. traditional car insurance
- What does Vermont non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Vermont
- Methodology
- Compare Vermont non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Vermont
The cheapest non-owner car insurer in Vermont is Co-operative Insurance Companies, with rates averaging $121. The second cheapest Vermont non-owner insurer is Vermont Mutual. Average rates are $123.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| 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 |
Best non-owner car insurance in Vermont
While State Farm is the top choice, Progressive and Nationwide are also great options for non-owner coverage.
To find the best non-owner car insurance companies in Vermont, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
The table below shows a comparison of the best non-owner car insurance companies in Vermont.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| State Farm | $329 | 829 | 0.70 | A++ | 3.06 |
| Progressive | $318 | 802 | 0.65 | A+ | 2.90 |
| Nationwide | $377 | 810 | 0.64 | A+ | 2.78 |
| GEICO | $460 | 836 | 0.91 | A++ | 2.58 |
| Farmers | $557 | 821 | 0.80 | A | 2.23 |
Insurance.com's top choices for non-owner car insurance
Take a closer look at our top picks for non-owner car insurance in Vermont.
State Farm
State Farm is our top choice for non-owner car insurance in Vermont. Its average annual non-owner car insurance cost is $329. State Farm has an AM Best score of A++ and a low NAIC complaint ratio of 0.7.
Progressive
Progressive is another great option for non-owner car insurance in Vermont, with average rates of $318 per year. It has an AM Best rating of A+ and a low NAIC complaint ratio of 0.65.
Nationwide
Our third pick is Nationwide. Nationwide rates average $377. Its NAIC complaint ratio is 0.64, 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
Non-owner car insurance in Vermont costs $296 on average. However, your actual rate may vary depending on factors like your driving history, age and the level of coverage you choose.
Non-owner car insurance in Vermont by age and gender
Both your age and gender can affect your insurance rates, whether you're looking for non-owner or standard car insurance in Vermont.
Age is a key factor in determining car insurance rates. Since younger drivers have less experience and a higher chance of being involved in accidents, insurance companies charge them higher premiums to cover the risk.
Gender also influences car insurance rates in many states. Men are generally seen as higher-risk drivers and are more likely to be involved in accidents, which often leads to higher insurance premiums.
Below are the average non-owner car insurance rates in Vermont by age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $537 | $498 |
| Young Adults (20-24) | $378 | $378 |
| Adults (25-60) | $293 | $296 |
| Seniors (65-75) | $291 | $297 |
Non-owner vs. traditional car insurance
Non-owner car insurance usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.
For instance, non-owner car insurance in Vermont won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.
Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $296 |
| Traditional state minimum policy | $306 |
| State minimum car insurance limits | 25/50/10 |
What does Vermont non-owner car insurance cover?
A Vermont non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Vermont, but it won't cover any damage to the vehicle you're driving.
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 may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.
Non-owners car insurance averages $296 in Vermont, and Co-operative Insurance Companies offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.
Shop around to find the best Vermont non-owner car insurance available. Use the tool above to compare non-owner insurers 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++.
Compare Vermont non-owners car insurance rates with other states
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