Cheapest and Best Non-Owner Car Insurance in Delaware (2024)

Non-owner car insurance is beneficial for individuals who don’t own cars but often drive borrowed or rented vehicles. It provides liability coverage for third-party property damage or bodily injury in the event of an accident. Additionally, getting non-owner car insurance can help drivers reinstate their suspended or revoked licenses.

MoneyGeek found that Travelers offers the cheapest non-owner car insurance in Delaware for those with clean records and those with violations. We also broke down the type of drivers who may benefit from getting non-owner car insurance to help you determine if this option is for you.

We found that the most affordable companies offering non-owner car insurance in Delaware are:

• Drivers with clean records: Travelers ($38 per month)
• Drivers with violations: Travelers ($38 per month)

Having traffic infractions on your record can drive up your premiums. In some cases, however, there’s no increase in your insurance costs. This is the case with the cheapest insurer in Delaware, Travelers, which offers the same average rate for non-owner drivers with clean records and those with violations.

In Delaware, drivers with clean records may consider these providers for the cheapest non-owner car insurance:

• Travelers: $38 per month
• GEICO: $45 per month

USAA offers the lowest rate at about $32 per month, but its policies are only available for active military personnel, veterans and their families. The cheapest non-owner car insurance in Delaware costs an average of $38 per month, $5 lower than the national average of $43 per month.

For non-owner drivers with violations, the following companies in Delaware offer the most affordable SR-22 insurance:

• Travelers: $38 per month
• GEICO: $80 per month

Those with military affiliation may get the lowest average rate from USAA at $32 per month.

If you have a driving offense on your record, such as an at-fault accident, you may be required to file an SR-22, which can impact your premiums. The cheapest non-owner SR-22 insurance in Delaware costs $38 per month, which is $21 less than the national average.

If you are at fault in an accident while driving a car you don’t own, non-owner car insurance will help provide liability coverage for third-party property damage or bodily injury. Note that it doesn’t cover your injuries or damages to your vehicle.

Getting non-owner car insurance in Delaware may be ideal if you find yourself frequently renting or borrowing cars. See the table below to differentiate the coverage variations between non-owner and full coverage policies.

The average cost of car insurance for non-owner drivers in Delaware is $52 per month, $9 more than the national average of $43 per month.

Location often affects insurance rates. However, factors like age, vehicle type, coverage limits and driving record tend to have a greater impact on how much you’ll pay for a policy.

For a blend of affordability and service quality, the best non-owner car insurance companies in Delaware are:

• Travelers: MoneyGeek score of 80 out of 100 ($38 per month)
• GEICO: MoneyGeek score of 67 out of 100 ($45 per month)
• Progressive: MoneyGeek score of 58 out of 100 ($60 per month)

We ranked auto insurers based on their affordability, J.D. Power customer satisfaction ratings, AM Best financial stability ratings and coverage options. Browse through our overviews for the top three companies to determine the best option for your needs.

Non-owner car insurance is a solid choice for drivers who frequently borrow or rent cars. This policy type is also ideal for individuals who want to avoid a gap in their coverage history and those who want to get their licenses reinstated.

We answered some of the most commonly asked questions about non-owner car insurance in Delaware.