Non-Owner Car Insurance in Delaware: The Cheapest Options and What You Need to Know

For Delaware drivers, the average cost of non-owner car insurance is $882 per year. The cheapest widely available company offering non-owner car insurance is GEICO, which has an average rate of $406 per year. MoneyGeek’s guide can help you learn about how to get insurance without a car in Delaware.

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Last Updated: 11/29/2021
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Non-owner car insurance in Delaware is a good option if you do not own a vehicle but regularly rent one or use car-sharing services. It is also ideal for drivers who need proof of insurance when getting their license reinstated.

On average, the cost of a non-owner car insurance policy in the state is $882 per year if you have a clean driving record and $1,058 if you have a major traffic violation on your record, like a DUI.

MoneyGeek analyzed rates from various insurance companies to help you find cheap non-owner car insurance in Delaware. We also explain when to get this type of policy.

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Cheapest Non-Owner Car Insurance Companies in Delaware

A non-owner policy costs less than traditional auto insurance. If you shop around and compare quotes from multiple insurers, you can find cheap non-owner car insurance in Delaware that fits your budget.

Based on average rates, the most affordable widely available non-owner car insurance companies in the state are:

  • GEICO: $406 per year
  • Travelers: $522 per year

USAA has the cheapest average annual rate at $212, but only those with a military background are qualified to buy its policies.

State Farm, which has an average rate of $1,930 annually, is the most expensive option for non-owner car insurance in the state.

All rates in this analysis are for a 40-year-old driver with a non-owner car insurance policy in Delaware, which follows the limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Delaware

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $212
    $18
  • GEICO
    $406
    $34
  • Travelers
    $522
    $44
  • Progressive
    $882
    $74
  • Nationwide
    $1,338
    $112
  • State Farm
    $1,930
    $161
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How Much Is Non-Owner Car Insurance in Delaware?

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Non-owner car insurance in Delaware costs an average of $882 per year, which is $93 cheaper than the $975 annual average cost of standard auto insurance.

Drivers with a serious driving violation, such as a DUI, may have significantly higher premium prices. For instance, the average cost of non-owner insurance for drivers with a DUI is $1,058 annually. Regular auto insurance costs an average of $1,682 per year for drivers with a DUI.

Cheapest DUI Non-Owner Car Insurance Companies in Delaware

Delaware drivers who do not own a vehicle and have a serious driving violation may find non-owner car insurance to be the most affordable option.

On average, the cheapest widely available companies for drivers with a DUI looking for non-owner car insurance in Delaware are:

  • GEICO: $772 per year
  • Travelers: $838 per year

The cheapest option in the state is USAA, which has an average annual rate of $351, but it is only available to those with a military background. The most expensive insurer is State Farm with an average rate of $1,930 per year.

Cheapest DUI Non-Owner Car Insurance Companies in Delaware

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $351
    $29
  • GEICO
    $772
    $64
  • Travelers
    $838
    $70
  • Progressive
    $1,120
    $93
  • Nationwide
    $1,338
    $112
  • State Farm
    $1,930
    $161
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What Is Non-Owner Car Insurance in Delaware?

Non-owner car insurance, also called non-owner liability insurance, is an affordable option for drivers in Delaware who do not own a car. It provides liability coverage and other basic coverages required by state laws.

For more protection, you can opt to buy uninsured or underinsured motorist coverage to add to your non-owner car insurance in Delaware. However, a non-owner policy does not include comprehensive and collision insurance, also known as full coverage.

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According to state laws, the minimum coverage requirements for non-owner car insurance in Delaware include:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $15,000 personal injury protection per person
  • $30,000 personal injury protection per accident

Who Should Get Non-Owner Car Insurance in Delaware?

Non-owner car insurance in Delaware is best for drivers who:

  • Need insurance for license reinstatement: Following a major violation, your license may be suspended. You will need to submit proof of insurance to get your license reinstated. A non-owner car insurance policy is the cheapest option for you since it costs less than regular auto insurance.
  • Frequently rent cars or use car-sharing services: Having a non-owner car insurance policy will give you protection against expenses you may incur if you cause an accident while driving a rented or borrowed vehicle.
  • Temporarily do not own a vehicle but want to maintain insurance to prevent a lapse: Getting non-owner car insurance in Delaware is ideal if you no longer own a car and wish to maintain insurance to avoid having an insurance coverage lapse.

Who Shouldn’t Get Non-Owner Car Insurance in Delaware?

Liability insurance with no car in Delaware may not be necessary in certain cases. For example, if you live in Wilmington and borrow a car from a friend, you don’t need a non-owner policy because you’ll be covered under your friend’s insurance as long as they give you permission to drive their vehicle.

You also don’t need this type of policy if you only rent cars occasionally. If you go on vacation outside Delaware only once or twice a year and rent a car to do so, rental car insurance will suffice.

How to Get Non-Owner Car Insurance in Delaware

All the companies on this page offer non-owner car insurance in Delaware. However, insurance providers typically do not provide quotes online. Call the insurer and ask for a quote based on your needs and background. You can use the list below to find the contact information for insurance companies in the state.

Contact Non-Owner Car Insurance Companies in Delaware
  • Company
    Contact Number
  • USAA
    800-531-8722
  • GEICO
    800-207-7847
  • Travelers
    866-248-9970
  • Progressive
    888-671-4405
  • Nationwide
    877-669-6877
  • State Farm
    800-782-8332

Frequently Asked Questions About Delaware Non-Owner Car Insurance

Non-owner car insurance is not the same as traditional auto insurance. To help you understand the differences, MoneyGeek answered some of the most common questions about non-owner car insurance in Delaware.

Methodology

For this analysis, MoneyGeek used non-owner car insurance quotes from companies in Delaware that we collected in collaboration with Quadrant Information Services. We calculated these policies based on a 40-year-old driver, both with a clean driving record and a DUI. The policies met the state minimum coverage requirements, except for liability insurance, and had the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

Regular auto insurance policies used in this analysis also had the same limits.