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Non-OwnerCar InsuranceDelawareCheapest and Best Non-Owner Car Insurance in Delaware (2023)
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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.
Non-OwnerCar InsuranceDelawareTable of Contents
Cheapest With a Clean Record - Travelers
Cheapest With an Offense - Travelers
Best Overall - Travelers
Cheapest Non-Owner Car Insurance in Delaware
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.
Cheapest Non-Owner Car Insurance With a Clean Driving Record in Delaware
In Delaware, drivers with clean records may consider these providers for the cheapest non-owner car insurance:
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.
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DELAWARE MINIMUM INSURANCE REQUIREMENTS
Non-owner drivers in Delaware also need to comply with the state minimum car insurance requirements, which include:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $10,000 for property damage liability per accident
- $15,000 Personal Injury Protection (PIP) per person
- $30,000 PIP per accident
While these limits are the minimum amount required by law, they may not offer adequate protection in case of an accident. Make sure to determine how much coverage you need before purchasing a policy.
Cheapest Non-Owner SR-22 Car Insurance in Delaware
For non-owner drivers with violations, the following companies in Delaware offer the most affordable SR-22 insurance:
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.
WHAT IS SR-22 INSURANCE?
SR-22 is not a type of insurance but a form filed by your insurance provider to show that you meet the minimum coverage required by the state. You may need an SR-22 in Delaware if you commit a serious driving violation, such as a DUI or getting into an accident without insurance.
What Is Non-Owner Car Insurance?
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.
Policy Coverage | Full Coverage | Non-Owner |
|---|---|---|
Liability insurance |  | |
Medical payments | | |
Personal injury protection | | |
Uninsured/underinsured motorist | | |
Rental car liability | | |
Collision | | |
Comprehensive | |
Average Cost of Non-Owner Car Insurance in Delaware
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.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43Delaware Average Cost
Monthly Premium
$52On average, non-owner car insurance in Delaware is:$9 more
This is 21% more expensive.
Best Non-Owner Car Insurance in Delaware
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.
Travelers
Travelers is our top choice for the best non-owner car insurance in Delaware for its affordability, customer satisfaction and coverage options.
With Travelers, you can purchase typical add-on coverages such as roadside assistance, gap insurance, accident forgiveness and new car replacement. Plus, you can qualify for discounts and reduce your insurance payments by bundling policies, insuring multiple cars or enrolling in paperless billing. Aside from these common discounts, Travelers also has rare ones like alternative energy and homeowners discounts.
GEICO
As our runner-up, GEICO combines affordability with quality service. That said, its claims management and coverage options are lacking compared to some of its competitors.
GEICO offers various discounts to lower your premiums. These include discounts for bundling policies, insuring more than one car, installing safety features in your vehicle and completing a defensive driving course. You may also be eligible for premium savings if you always wear your seatbelt or have daytime running lights in your vehicle.
Progressive
Progressive provides various coverage options for its customers and has a decent claims management reputation. However, it isn’t the best for customer satisfaction, and it’s more expensive than some other insurers.
Policyholders can reduce their premiums by qualifying for Progressive’s available discounts, including those for multiple cars, bundling, paperless billing and paying in full. The company also provides discounts for policyholders who haven’t had a lapse in coverage and those who obtained quotes or signed documents online.
Should You Get Non-Owner Car Insurance in Delaware?
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.
Who Should Consider Non-Owner Car Insurance?
Car borrowers
Non-owner car insurance is suitable for individuals who frequently borrow cars from friends or family. By opting for a non-owner policy, they receive financial protection against liabilities in case of an accident. This provides peace of mind and financial security at a more affordable cost than a full coverage policy.
Occasional renters
Those who occasionally rent cars can also benefit from non-owner car insurance as it provides liability coverage for third-party property damage and bodily injury if they’re at fault in an accident. This is a cost-effective way to obtain liability coverage.
Drivers between cars
Insurance companies tend to charge higher premiums if there’s a lapse in coverage history. If you recently sold your vehicle or don’t plan on driving for a long time, getting non-owner car insurance is a way to avoid expensive premiums. It ensures you maintain continuous coverage until you’re ready to obtain regular coverage again.
License reinstatement seekers
Drivers seeking to reinstate their suspended or revoked licenses may be required to have non-owner car insurance and file an SR-22 form. This shows that they meet their state’s minimum coverage requirements, helping them restore their driving privileges.
ONE-DAY CAR INSURANCE
Be cautious of companies that offer "one-day insurance," as it is not a legitimate insurance product and may be a scam. If you need short-term coverage in Delaware, it’s best to purchase rental car insurance directly from the car rental company.
Frequently Asked Questions About Non-Owner Car Insurance in Delaware
We answered some of the most commonly asked questions about non-owner car insurance in Delaware.
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