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

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Non-owner auto insurance in Delaware costs $720 annually, which is $367 more than the U.S. average, according to a 2023 rate analysis from Insure.com.

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

“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.

Learn more about the various requirements, 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?

Insurers view non-owner policyholders as less of a risk due to their minimal access to a car, and therefore, it’s usually less expensive to buy a non-owner insurance policy than full coverage auto insurance.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 a year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. In Delaware, full coverage car insurance costs $2,111.

Meanwhile, non-owner car insurance costs $353 a year on average in the United States and $720 in Delaware.

But various factors affect individual rates, such as where in Delaware you live, your age and driving history and other factors.

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

USAA offers Delaware’s least expensive non-owner insurance policy at $184 a year.

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

The best way to find the lowest price is to compare quotes from several different insurers. We have listed Delaware’s most affordable non-owner insurance policies 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 plays an important role in pricing because young people who haven’t been driving for a long time are seen as higher risk and are more likely to cause an accident. So older and more experienced drivers usually enjoy lower rates. On average, non-owner insurance costs $2,304 a year for a 16-year-old and $725 for a 45-year-old in Delaware.

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

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

It’s common for rates to vary greatly from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

Below are the cheapest and most expensive cities for non-owner car insurance in Delaware.

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

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

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

The most populous cities in Delaware have varying non-owner insurance rates. The cost of non-owner insurance in Wilmington is the highest at $898. Dewey Beach has the least expensive rates of the state’s most populous cities at $556.

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

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

Non-owner auto insurance rates also differ from state to state. Delaware’s average non-owner insurance rate is $720 a year, more than the $353 average nationally. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 per year. Iowa is the third most affordable 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

In many cases, you’ll get proof of insurance almost immediately.

For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance.

Here are a few insurance companies with their phone 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.

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.