How to Find Temporary Car Insurance in Delaware
Temporary car insurance policies are tough to find in Delaware, but you can purchase a six-month policy and cancel when you no longer need it.
Written by Nathan Porceng
Reviewed by Kathleen Flear
If you’re trying to purchase temporary car insurance in Delaware, the safest bet is to buy a six-month policy from a known provider and cancel when you no longer need it. Beware of scammers advertising shorter policies!
It’s tough finding a short-term car insurance policy. While you may find advertisements for short or temporary policies, most companies offering them are not reputable. Almost all legitimate car insurance providers only offer policies of six months or longer.
Need a car insurance policy for less than six months? Don’t fret!
Jerry
, the car insurance
comparison shopping app, has all the information you need to find short-term car insurance in Delaware.
Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds
Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversWhat is temporary car insurance?
Temporary car insurance
is difficult to explain because it’s not really a thing. Reputable car insurance providers typically only sell policies lasting six months to a year. Finding a legitimate policy with a shorter term is remarkably hard, if not impossible. Companies advertising policies of less than six months are likely scammers.If you need car insurance for less than six months, your best option is to purchase a six-month policy from a known insurer and cancel it when you don’t need it anymore. That said, you must exercise caution. Canceling or switching car insurance policies can create gaps in your coverage, and driving without insurance is against the law.
Best companies for temporary car insurance in Delaware
Though true “temporary insurance” policies of less than six months don’t exist, there are several insurance providers in Delaware that will allow you to cancel your policy early. Some of them may even give you a refund for unused premiums!
Here are some companies to check out for temporary coverage:
- Travelers:Travelers does not charge cancellation fees and will reimburse in full any unused portion of your policy for which you’ve already paid.
- State Farm: Canceling State Farm is pretty straightforward, and the company will generally issue you a refund with no cancellation fees.
- Safeco: You can cancel your Safeco insurance policy anytime. However, you may be charged a cancellation fee.
- USAA: Only open to military service members, veterans, and their families, USAA allows you to cancel your policy at any time and will issue you a refund.
Remember, if you plan to keep driving after canceling your insurance policy, you need to buy another one. Driving without coverage is against
Delaware car insurance law
. First-time offenders may face fines up to $2,000. Repeat offenses will get your license suspended for up to six months.Alternatives to temporary car insurance
Not sold on buying a six-month policy?
Rental car insurance
and non-owner car insurance
both provide coverage at affordable rates if you’re facing an unusual situation in Delaware.Rental car insurance
If you want to drive for a short time in Delaware, within the bounds of the law and without the high fines and penalties associated with driving without insurance, renting a car provides an alternative to purchasing a short-term insurance policy. When you rent a car, you can sign a collision damage waiver (CDW), affording you a high level of protection.
That said, CDWs can be overpriced. Usually, the rental car company will offer affordable short-term insurance coverage, including rental car liability insurance and personal car accident insurance.
Many credit card companies also offer free rental collision coverage. Check with yours to see if it’s available!
Non-owner car insurance
Non-owner car insurance provides policies tailored to individuals who don’t own a car but drive rental cars, borrowed cars, or publicly shared vehicles frequently. As long as you don’t have a vehicle attached to your household, all you need to buy a non-owner policy is a valid driver’s license.
Non-owner insurance typically costs between $200 to $500 per year. The policy follows you from car to car and ensures you meet Delaware’s minimum insurance requirements. You may even be able to tack on additional coverage!
How to find affordable car insurance in Delaware
No matter if you’re looking for a six-month policy or longer,
Jerry
makes it easy to compare quotes and save money on your car insurance.Simply download the app, answer a few quick questions, and in under a minute, Jerry will scan personalized quotes from dozens of the top insurance providers across the country. No long forms, no phone calls, no hassles. As a
licensed broker
, Jerry can even help cancel your old policy and sign you up for a new one!“I just had to buy a new car, and I needed quick help to get insurance before I could get my plates. Because I work so many hours,Jerrywas the ideal choice for getting things done without long phone calls and waiting periods.” —Rosa G.
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FAQs
Can I insure a car for just one month?
Any company offering you a one-month car insurance policy is likely a scammer so beware! Reputable car insurance providers typically only sell policies of six months or longer.
What happens if you drive without insurance in Delaware?
Driving without car insurance is against Delaware law. First-time offenders may be fined up to $2,000. Repeat offenses may result in your driver’s license being suspended for up to six months.
