Which companies offer the cheapest non-owner car insurance in Delaware?
Travelers has the cheapest non-owner car insurance in Delaware, with average annual rates of $275. GEICO is the second-cheapest option at $774 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.
The table below lists the most budget-friendly non-owner car insurance companies in Delaware.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Travelers | $275 | $23 |
| GEICO | $774 | $65 |
| Dairyland | $909 | $76 |
| Donegal Insurance | $942 | $79 |
| Progressive | $1,096 | $91 |
| Nationwide | $1,575 | $131 |
| State Farm | $1,679 | $140 |
| USAA | $240 | $20 |
Best non-owner car insurance in Delaware
GEICO is the best non-owner car insurance company in Delaware based on cost, customer complaints and financial strength ratings. Progressive and State Farm are also strong choices for drivers looking for affordable liability coverage.
To identify the best non-owner car insurance companies in Delaware, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).
The table below provides a comparison of the top non-owner car insurance companies in Delaware.
| Company | Average annual premium | J.D. Power | NAIC | A.M Best | Overall score |
|---|---|---|---|---|---|
| GEICO | $774 | 643 | 0.60 | A++ | 4.53 |
| Progressive | $1,096 | 625 | 0.60 | A+ | 3.81 |
| State Farm | $1,679 | 673 | 0.87 | A+ | 3.42 |
| Nationwide | $1,575 | 636 | 0.64 | A | 3.31 |
| USAA | $240 | 743 | 1.16 | A++ | 4.50 |
Insurance.com's top choices for non-owner car insurance
Explore our top recommendations for non-owner car insurance in Delaware.
GEICO
Our top choice for non-owner car insurance in Delaware is GEICO, with an average rate of $774 for liability coverage. GEICO holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.60.
Progressive
Another excellent choice for non-owner car insurance in Delaware is Progressive. Average rates are $1,096 annually. Progressive has an AM Best rating of A+ and an NAIC complaint ratio of 0.60.
State Farm
Our third pick is State Farm. State Farm rates average $1,679. Its NAIC complaint ratio is 0.87, and it has a rating of A+.
PEOPLE ASK:
Do I need Delaware non-owner car insurance to drive a friend's car?
Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.
How much does non-owner car insurance cost in Delaware?
The average cost of non-owner car insurance in Delaware is $936 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits
Your rate will vary based on:
- Your driving record
- The coverage levels on your policy
- Your ZIP code
Non-owner car insurance in Delaware by age and gender
Younger drivers often pay more because they have less driving experience and higher accident rates. Rates often decrease after age 25 and stay lower through middle age.
How it works:
- Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
- Rates start to level out around the age of 25 and continue to drop
- Drivers in their 50s pay the lowest average rates
- After 65, rates increase, but not dramatically
Even in a state that bans the use of age and gender for car insurance rates, like Delaware, your years of driving experience will still impact what you pay.
Below are the average non-owner car insurance rates in Delaware by age and gender.
| Age group | Male | Female |
|---|---|---|
| Teens (16-19) | $1,758 | $1,691 |
| Young Adults (20-24) | $1,119 | $1,140 |
| Adults (25-60) | $922 | $955 |
| Seniors (65-75) | $950 | $959 |
Do you need non-owner car insurance in Delaware?
You may need non-owner insurance in Delaware if you drive cars you do not own on a regular basis. This coverage can also help if you need proof of insurance to file an SR-22 after a license suspension.
You may need non-owner car insurance if:
- You frequently drive cars owned by others and want an extra layer of protection
- You frequently rent cars
- You need insurance to file an SR-22 in order to reinstate your license
- You want to prevent a lapse in coverage while in between cars
You don't need a non-owner policy if:
- You own and insure your own vehicle
- You only drive cars owned by others occasionally
- You drive a company car for which insurance is provided by your employer
Non-owner vs. traditional car insurance
Non-owner car insurance usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.
For instance, non-owner car insurance in Delaware won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.
Non-owner car insurance is cheaper because drivers without vehicles drive less often and file fewer claims. This coverage also acts as secondary insurance, meaning the car owner's policy pays first. Non-owner insurance may apply only after the vehicle owner's liability limits are exhausted.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum liability only | $936 |
| Traditional state minimum policy | $1,300 |
| State minimum car insurance limits | 25/50/10 |
What does Delaware non-owner car insurance cover?
A Delaware non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Delaware, but it won't cover any damage to the vehicle you're driving.
Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.
The bottom line: Non-owner car insurance in Delaware
Drivers in Delaware who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.
Non-owner car insurance in Delaware costs an average of $936 per year. Travelers offers the cheapest average premium at $275. Based on our analysis of rates, complaint data and financial strength, GEICO is the best overall insurer for non-owner coverage in Delaware.
Be sure to compare your options to find the best non-owner car insurance in Delaware. You can use the tool above to quickly and easily compare non-owner insurance providers in your area.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined $53M insurance quotes analyzed
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
FAQ: Non-owner car insurance in Delaware
Do I need non-owner insurance to drive a friend's car in Delaware?
No. If you are driving the car with permission, your friend's insurance will cover you. However, non-owner car insurance adds an extra layer of protection in case your friend's limits are exceeded.
Can I use non-owner insurance for Uber or delivery driving in Delaware?
No. Non-owner insurance does not cover business driving, including rideshare or delivery work. Drivers working for Uber, Lyft or food delivery apps need rideshare or commercial auto insurance.
Does non-owner insurance cover rental cars?
Yes. Non-owner insurance provides liability coverage when driving a rental car. However, it does not pay for damage to the rental vehicle itself.
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