Non-owner car insurance in Vermont
Coverage in your name for harm you cause to other people while using a borrowed or rented car. Get it when you drive in most months, or need an SR-22 but have no car. If the car’s owner lives with you, be added to their policy instead.
- $38 a monthtypical price for a 40-year-old with a clean record, or $460 a year
- Vermont Mutualusually the cheapest company, at $268 a year
- 25/50/10lowest limits the state allows
What companies offer non-owner insurance in Vermont?
Here, 5 companies were quoted, listed from least to most expensive.
| Company | Per year | Per month |
|---|---|---|
 Vermont Mutual | $268 | $22 |
 Progressive | $320 | $27 |
 State Farm | $500 | $42 |
 Nationwide | $603 | $50 |
 GEICO | $608 | $51 |
These company prices are for a 40-year-old with a clean record, so your own answers above can give a different price. For the same driver as the prices above, Vermont lands at 24th cheapest of the 50 states, based on a Vermont price survey. Companies that sell it in Vermont.
No hardship or work license is available in Vermont. After a suspension, you may not drive at all until your license is reinstated. Financial Responsibility Insurance is the term the DMV uses for an SR-22 filing. It provides coverage for you as an individual in any vehicle, owned or borrowed.
Minimum liability coverage in Vermont (in dollars)
The minimum rule for Vermont is in 23 V.S.A. section 800. Coverage must reach $25,000 if one person is injured or dies, and $50,000 if two or more people are. Up to $10,000 is the coverage for damage to property.
Driving without that insurance can bring a civil penalty of up to $500 under the same section. A civil penalty means a fine, not a crime. Letting another person drive an uninsured car may also lead to a ticket, points, and a filing order, per the Vermont DMV insurance page.
For how long does Vermont store a Financial Responsibility Insurance record?
An SR-22 is a certificate your insurer gives the state as proof that you carry coverage. It must stay on file in Vermont for three years or longer. As the Department of Financial Regulation auto page explains, the countdown begins after the suspension lifts, meaning the suspension period itself does not count. Only an insurance carrier with a Vermont license may submit it. The state will not accept a copy sent by an agent.
Driving while suspended, leaving the scene of an injury crash, and alcohol offenses all require one, under 23 V.S.A. section 801. A demand for proof also follows a crash that causes injuries or damage worth $3,000, unless you can show coverage was in effect. If you do not own a car, a non-owner policy can still satisfy the filing requirement.
How to drive again in Vermont
If you were suspended for failing to show insurance, there is a quicker way back. The DMV suspensions page lets you either show active coverage on the date of the offense or keep an SR-22 filed for one year from that date. The insurer notifies the DMV immediately if an SR-22 expires or ends. Submitting a new certificate ends that suspension.
The step that restores your valid license, called reinstatement, carries a $96 fee listed on the DMV fee table. You do not pay this fee when the suspension was based only on insurance, as stated in the DMV answer on alcohol-related filings. Do not resume driving until the DMV's letter confirming reinstatement reaches you.
Cost in Vermont by age
For teenagers, the yearly cost is about $852.
| Age | Men | Women |
|---|---|---|
| 16 to 19 | $879 | $824 |
| 20 to 24 | $592 | $596 |
| 25 to 64 | $459 | $459 |
| 65 and over | $469 | $463 |
Annual figures, clean driving history, lowest required coverage. The study's prices for ages 25 to 60 apply to drivers 25 through 64; for those 65 and older, the 65 to 75 rates are used.
Get a non-owner quote in Vermont
A licensed agent who writes policies in Vermont takes your call, goes through how you drive for free, and gets you real quotes right away.
Call 833-958-5598