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 more affordable than regular car insurance, as it doesn’t cover your own vehicle. The premium varies based on your driving record, age 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.
Non-owner car insurance often benefits people who frequently rent cars for personal or business use. Instead of opting for expensive coverage through the rental company, you can consider getting non-owner insurance that offers the same level of protection at a more affordable rate.
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 may be higher or lower based on your driving profile, age, location and 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.
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.
See the cheapest companies for non-owner car insurance in Delaware in the table below.
| 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 vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $1,042 monthly, whereas if you add a 16-year-old female, you’ll pay $988 per month, based on CarInsurance.com’s analysis.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs 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 non-owner auto insurance costs $24 per month or $293 annually, while drivers in Wilmington pay $27 monthly 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 is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Delaware generally pay higher insurance premiums, including non-owner car 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 designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy 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.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Delaware
Non-owner car insurance is an excellent choice in Delaware if you occasionally rent or borrow vehicles, 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.
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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