CarInsurance.com Insights
- 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.
Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
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.
Do I need non-owner car insurance in Delaware?
Non-owner car insurance in Delaware is crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
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.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
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.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
Cheapest non-owner car insurance companies in Delaware
CarInsurance.com’s analysis shows that Travelers offers the most affordable non-owner car insurance rates in Delaware, at $21 per month. Other insurers like Geico and State Farm also offer affordable premiums.
Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
Below is a table showing the cheapest companies for non-owner car insurance 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 |
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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.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| 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.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Delaware city can lead to higher insurance rates overall, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on your city.
| 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 provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
For example, if you’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage limits.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can lead to higher premiums.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
Final thoughts on non-owner car insurance in Delaware
Non-owner car insurance is a good option in Delaware to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
It is a good option for those who often rent or borrow vehicles as it offers liability coverage when driving someone else’s car and can supplement the car owner’s existing insurance policy.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find 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. USAA also made it to the list, but it provides services only to current and former military members and their families.
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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