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

Cheapest non-owner car insurance companies in Vermont

Co-operative Insurance Companies offers the most affordable non-owner car insurance in Vermont, with rates averaging $121. The second cheapest Vermont non-owner insurer is Vermont Mutual. Average rates are $123.

Compare the cheapest non-owner car insurance companies in Vermont below.

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

Data updated in 2024

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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

Data updated in 2024

Read our methodology

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-owners car insurance in Vermont costs $296. However, the rates may differ based on factors such as your driving record, age and coverage level.

Non-owner car insurance in Vermont by age and gender

Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Vermont.

Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.

Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.

Below are the average Vermont rates for non-owner car insurance based on 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

Data updated in 2024

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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.

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

Data updated in 2024

Read our methodology

What does Vermont non-owner car insurance cover?

A Vermont non-owner car insurance policy only provides the legally required coverage to be on the road. It includes all Vermont minimum car insurance requirements. It doesn't cover any damage to the vehicle itself.

Non-owner car insurance is secondary, which means it will only apply 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-owner car insurance in Vermont costs an average of $296, with Co-operative Insurance Companies offering the lowest rates. Our analysis found that State Farm is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Take the time to compare options to find the best non-owner car insurance in Vermont. Use the tool above to easily compare non-owner insurance providers near you.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled 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 were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.