How to Find Temporary Car Insurance in Vermont

Beware of scammers advertising false temporary insurance policies. Vermont drivers should instead buy six-month policies and cancel when they’re done.
Written by Nathan Porceng
Reviewed by Kathleen Flear
Most reputable car insurance providers only sell policies of six months or longer. Anyone advertising a shorter-term policy is likely a scammer! However,
drivers can buy six-month policies and cancel them when they no longer need insurance.
Vermont drivers may encounter many stunning things in their travels, from wild moose to breathtaking views of Lake Champlain. One thing they won’t find, however, is truly temporary car insurance. Most reputable providers only sell policies six months in length or longer. While you may find advertisements for shorter-term policies, they are likely scams
Need car insurance for less than six months?
, the
super app
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What is temporary car insurance?

It’s tricky to say what
temporary car insurance
is because it doesn’t really exist. Reputable car insurance providers typically only sell policies for six months or longer. Though you may come across companies advertising one-month or temporary policies, be careful—they are likely scams designed to steal your money and personal information.
So what can you do if you need car insurance, but not for a full six months? Your smartest option is still to buy a six-month policy from a reputable dealer, and cancel the policy later when you no longer need it
If you do this, you must make sure you buy another car insurance policy before you start driving again. Driving without insurance is against Vermont law, with serious consequences even for first-time offenders. 
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Best companies for temporary car insurance in Vermont

You’re unlikely to find a reputable car insurance provider selling temporary car insurance. However, there are plenty offering Vermont drivers short-term policies they can cancel later. Some don’t even have cancellation fees, and others will refund you for unused portions of your policy! 
Let’s take a closer look at a few of Vermont’s leading insurers. 
  • Travelers:
    An ideal provider for short-term shoppers, Travelers doesn’t charge cancellation fees and will refund you for the unused part of your policy. 
  • Nationwide
    : Though you have to speak with a Nationwide agent to cancel your policy, the company typically does not charge a cancellation fee.
  • Allstate
    : With Allstate, you can cancel your policy at any time—usually without a cancellation fee.
  • Safeco
    : Safeco will allow you to cancel your car insurance policy whenever you need. Ask them about cancellation fees so you’re not surprised.
Again, if you plan on buying a short-term car insurance policy and canceling it later, you need to make sure you purchase a new policy before driving again. 
Driving without insurance is a serious offense in Vermont and the punishments are severe. Offenders face fines of up to $500, and multiple offenses may lead to suspension of your registration and license plates.
MORE: How to cancel car insurance
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Alternatives to temporary car insurance

Maybe purchasing a short-term policy still doesn’t seem right for you. Fortunately, there are other options for Vermont drivers in unique situations.
Rental car insurance
non-owner car insurance
are fine alternatives that will get you on the road at a rate you can afford.

Rental car insurance

So you don’t want to drive without insurance, but you also don’t want to sign up for a short-term policy. Renting a car may be the perfect fit for you! 
Usually, rental car agencies offer a collision damage waiver (CDW), which will afford you protection while exploring the picturesque towns, mountains, and lakes of Vermont. While convenient, CDWs often cost exorbitant amounts
Instead of a CDW, rental car companies can typically set you up with affordable short-term coverage, including rental car liability insurance and personal car accident insurance. Your credit card company may also offer free rental collision coverage!

Non-owner car insurance

Maybe you don’t even own a car but you drive regularly with rental vehicles, car-share servies, or vehicles belonging to your friends and family. A non-owner insurance policy will ensure you comply with
Vermont’s car insurance law
without locking you into an expensive contract for coverage you don’t need. You will, of course, have the option to supplement your policy with additional coverage. 
All you need to purchase a non-owner insurance policy is a valid driver’s license. Insurers may also verify that you do not have a vehicle attached to your household. 

How to find affordable car insurance in Vermont

Whether you’re looking for a short-term or long-term car insurance policy,
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Download the app, answer some quick questions, and in less than a minute, Jerry will compare quotes from over 50 leading insurance providers and show you the best deals.  As a
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Probably not. Most reputable car insurance providers only offer policies six months or longer. Anyone advertising a shorter policy is likely a scammer.
Driving without car insurance is against the law in Vermont. Penalties include fines up to $500, and multiple offenses may lead to your registration and license plates being suspended.
Are you overpaying for car insurance?
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