Non-owner auto insurance in Delaware: Which company has the cheapest rates?

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

Non-owner car insurance in Delaware is $720 a year, according to a 2023 rate analysis by Insure.com, which is $340 more than the national average.

In Delaware, these policies are available from companies such as Travelers, American Family and Progressive.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in Delaware.

How much does non-owner car insurance cost in Delaware?

It’s usually cheaper to buy non-owner insurance than typical auto insurance because insurers regard non-owner policyholders less of a risk due to their minimal access to a car.

On average in the United States, it costs drivers with a clean driving record and good credit score $1,682 annually for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. In Delaware, the cost is $2,111.

On the other hand, non-owner car insurance costs $720 a year in Delaware and $380 on average in the U.S.

But various factors affect individual rates, such as where in Delaware you live, which insurer you purchase from as well as your age and driving history.

Which insurer offers the cheapest non-owner insurance rates in Delaware?

In Delaware, USAA’s non-owner insurance policy is the cheapest at $184 on average.

At $1,756, Sentry Insurance charges the highest rate for non-owner insurance in the state.

You should compare quotes from multiple insurers in order to find the best price. The cheapest non-owner policies available in Delaware are listed below.

Cheapest non-owner insurance rates in Delaware

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Delaware by age?

Age is an important factor when it comes to pricing. Young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. Delaware non-owner insurance costs, on average, $2,304 a year for a 16-year-old, whereas it’s $725 for a 45-year-old driver.

Average non-owner car insurance rates in Delaware by age and gender

Which Delaware cities have the cheapest non-owner auto insurance?

From city to city, there’s a lot of variation in rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

Below are charts showing which cities in Delaware have the lowest and highest non-owner car insurance rates.

The 20 Delaware cities with the lowest non-owner car insurance rates

The 20 Delaware cities with the highest non-owner car insurance rates

How much is non-owner auto insurance in Delaware’s 10 biggest cities?

The most populous cities in Delaware can have rates that are significantly different. The non-owner insurance price in Wilmington is the most expensive at $898, while Rehoboth Beach has the least expensive prices among the state’s largest cities at $556.

Non-owner auto rates in Delaware’s 10 largest cities

How non-owner insurance rates in Delaware compare to rates in other states

From state to state, the rates for non-owner car insurance can also vary. Delaware’s average non-owner insurance rate is $720; more than the $380 average nationally. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 a year. After that it’s Iowa at $193 annually.

Non-owner car insurance rates in the 10 most populous states

How to get non-owner auto insurance in Delaware

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a non-owner car insurance policy quote, you must call your insurer instead of visiting their website.

“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Below are a few insurance companies with their contact numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033.
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.