Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Delaware driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $29 a month in Delaware for the coverage limit of 25/50/10.
- The non-owner car insurance rate is $344 per year—lower than liability-only coverage of $1,022 for Delaware drivers.
- Travelers offers the cheapest non-owner car insurance rates in Delaware at an average cost of $21 per month.
Do I need non-owner car insurance in Delaware?
Non-owner car insurance in Delaware is essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in Delaware
Non-owner car insurance costs an average of $29 a month and $344 per year in Delaware for the coverage limit of 25/50/10.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Delaware
Travelers offers the cheapest non-owner car insurance rates in Delaware at an average cost of $21 per month, based on CarInsurance.com’s analysis. Other than Travelers, GEICO and State Farm also have cheap non-owner insurance premiums.
Your non-owner auto insurance rate may vary based on your driving history, ZIP code and coverage limits. Comparing quotes from multiple insurers can help you find the best insurance policy at affordable rates.
The table below highlights the cheapest non-owner car insurance companies in Delaware.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Travelers | $252 | $21 |
| GEICO | $257 | $21 |
| State Farm | $334 | $28 |
| Donegal Insurance | $593 | $49 |
| American Family | $610 | $51 |
| USAA* | $199 | $17 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Delaware, by age and gender
Non-owner car insurance costs in Delaware can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $1,042 a month, while adding a 16-year-old female might increase your monthly cost by $988 .
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in Delaware.
The table below shows how non-owner car insurance rates vary by age and gender in Delaware.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $840 | $809 |
| Young Adults (20-24) | $417 | $419 |
| Adults (25-60) | $340 | $348 |
| Seniors (65-75) | $347 | $347 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Delaware cities
In Newark the average cost of non-owner auto insurance is $24 per month or $293 per year, and Wilmington drivers pay $27 a month for the same coverage.
In Delaware, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living also determines the premiums. In areas with higher costs of living in Delaware, you can expect to pay more for non-owner insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Newark | $293 | $24 |
| Wilmington | $326 | $27 |
| Millsboro | $349 | $29 |
| Georgetown | $353 | $29 |
| Seaford | $356 | $30 |
| Smyrna | $357 | $30 |
| Milford | $359 | $30 |
| Dover | $362 | $30 |
| Middletown | $372 | $31 |
Affordable non-owner insurance in Delaware, by ZIP code
A Delaware driver aged 40 living in ZIP code 19711 pays $275 annually or $23 monthly for non-owner car insurance, while a 40-year-old in ZIP code 19707 with a clean driving record pays $279 per year or $23 per month.
When should you consider buying non-owner car insurance in Delaware?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s limits.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could lead to higher premiums.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
Final thoughts on non-owner car insurance in Delaware
Non-owner car insurance in Delaware is ideal for those who rent or borrow vehicles, use car-sharing services or are required to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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