Why Compare Car Insurance Rates in Delaware:
The ability to search around for the best car insurance companies in Delaware is a significant factor. When producing a quote, insurance companies can look at the same facts, but they do not weigh the value of each fact in the same way. However, one provider might not value your credit score highly. Another might. This is one of the reasons why similar providers will give you different car insurance quotes.
Aside from your state's minimum requirements, several factors influence how much auto insurance you pay towards car insurance companies in Delaware. Below are the factors that determine your car insurance quotes in Delaware:
Minimum insurance coverage is required by all states before you can register your car. According to the Delaware Insurance Department, all car owners must have at least the following four types of Auto Insurance Coverage in Delaware.
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily Injury Liability Coverage (per person) | $25000 ($50,000 for injuries resulting in death) |
| Bodily Injury Liability Coverage (per accident) | $50000 ($100000 for injuries resulting in death) |
| Property Damage Liability | $25000 |
| Uninsured Motorist | $25000 bodily injury per person $50000 bodily injury per accident |
If you are looking for cheap auto insurance in Delaware you can be in for a rude shock. The auto insurance quotes in Delaware can pour water over your enthusiasm that you had when you began looking for car insurance quotes in DE. Delaware's average car insurance prices are $930 for basic coverage and $1785 for full coverage at the moment. Each state, of course, has its average.
When all 50 states are included, the average American pays $573 for basic coverage and $1683 for comprehensive coverage, making Delaware somewhat more expensive than other states.
In Delaware, Travelers offers the cheapest basic coverage auto insurance. USAA offers substantially lower rates to active service members, veterans, and families. The average annual rate for USAA is $930, which is $129 cheaper than Travelers.
| Company | Annual Premium |
|---|---|
| Travelers | $471 |
| Progressive | $938 |
| State Farm | $1,119 |
| American Family | $1,169 |
| Dairyland | $2,676 |
| Allstate | $2,721 |
| MetLife | $1,793 |
| Nationwide | $1,731 |
| USAA | $937 |
| Statewide Average | $1,506 |
It is always a good idea to purchase auto insurance that provides more coverage than the bare minimum to protect yourself financially. Although the premiums may be higher, you will save a lot of time, energy, and money in the long term.
It is never a good idea to carry only the state-mandated minimums, which puts you and your investments in danger. Although Delaware's liability limitations are higher than some other states, this does not guarantee that you will be sufficiently protected. Raising your restrictions is nearly necessary, given how quickly medical expenditures can mount, especially if you damage more than one person.
This is also true for property damage coverage, as the $25,000 limit isn't enough to cover a new car's typical cost if you need to replace one. To prevent being stuck footing the bill out of pocket, all drivers are strongly advised to increase these limitations. Bodily coverage is also your only option to protect your car.
It may be time to shop for a new policy if you're concerned about how much these coverages will add to your overall cost. Way.com can assist you in comparing quotes from a variety of leading insurance companies to acquire the best coverage at the best price.
In Delaware, liability insurance is required by law. It compensates another driver or their passengers for injuries or lost wages sustained due to an accident caused by you. Damage to the other driver's car is also covered. Each state sets its coverage limitations, which are usually divided into three categories: per-person physical injury, per-accident bodily injury, and property damage.
PIP pays for medical expenses incurred by you or your passengers due to an accident. PIP will pay for medical expenditures like hospital bills, rehabilitation fees, and even lost wages due to an accident. One of the most important aspects of this policy is that it can be used regardless of who is at fault.
PIP will cover up to $15,000 in medical expenses for anyone injured in your car. The per-accident maximum is $30,000, which means that regardless of the number of passengers wounded, PIP will only cover up to $30,000 in total.
PIP coverage in Delaware also covers up to $5,000 in burial costs.
The following are the minimum PIP limits:
Like most states, Delaware has established laws mandating car owners to have specific minimum amounts of liability auto insurance in the case of a traffic accident on the state's roads and highways.
If you want to increase your insurance coverage and protection, look into these additional auto insurance coverage types
Delaware mandates the purchase of auto insurance. Driving without insurance in Delaware can result in fines of at least $1,500, and the license will be suspended for six months.
Each subsequent driving incident without insurance in Delaware within three years of a prior offense carries the following penalties: At least $3,000 in fines.
Carrying the proper amount of car insurance in Delaware is not only a legal obligation, but it can also protect you and your assets from undue risk. Most insurance experts recommend going above and beyond the legal minimums to safeguard your car better and perhaps boost your coverage for medical expenditures.
In Delaware, the average cost of car insurance in Delaware is $798 for minimal coverage and $1785 for full coverage. These figures, however, merely provide an estimate of expenditures. Many factors determine how much you spend on insurance, and there are even measures you can take to get cheap car insurance in Delaware.
Before you proceed further, always remember the best car insurance companies in Delaware do not equal cheap auto insurance in Delaware. These companies have been listed as per the services provided by the car insurance companies in Delaware. Delaware car insurance rates of these companies may or may not come cheap.
USAA has the cheapest full coverage rates, at $1018 per year or $111 per month. This is 43% less expensive than the state average. Travelers is likely your best bet for economical full coverage car insurance unless you are a military member and qualify for USAA coverage.
In Delaware, full coverage auto insurance costs an average of $2,470 per year or $206 per month. Full coverage insurance is 23% more expensive for Delaware drivers with a speeding ticket on their record than full coverage insurance for drivers with a clean record.
| Company | Annual Premium |
|---|---|
| Travelers | $915 |
| Progressive | $1,523 |
| State Farm | $1,943 |
| American Family | $2,045 |
| Allstate | $4,084 |
| Dairyland | $4,310 |
| State Average | $2,470 |
In Delaware, the average cost of vehicle insurance is $798 for minimal coverage and $1018 for full coverage. These premiums are more expensive than the national average. It's not surprising that automobile insurance in Delaware is more expensive than the national average. The tiny state is densely populated with automobiles and drivers. Finding the lowest Delaware auto insurance will help you protect your funds in the event of an accident.
Car insurance is compulsory in Delaware, as it is in most states, but just because it is a legal necessity does not mean it has to be prohibitively expensive. If you're seeking low-cost auto insurance in Delaware, Way.com's research may be able to assist you in finding coverage that meets your needs.
We recommend starting your search for affordable minimum coverage auto insurance with USAA if you're a young driver. USAA’s rate is $3,107 per year, 34% less than the national average for young drivers. Minimum coverage auto insurance in Delaware costs an average of $3348 per year — or $318 per month — for young drivers, and that's a $2670 annual increase over what elderly drivers pay.
| Company | 16 year old Female | 16-Year-Old Female |
|---|---|---|
| State Farm | $3,348 | $4,316 |
| Travelers | $10,749 | $14,655 |
| USAA | $3,107 | $3,240 |
| Allstate | $11,904 | $12,151 |
| Progressive | $12,978 | $13,970 |
| Nationwide | $4,912 | $6,276 |
Travelers has the best rates for drivers who have received a speeding ticket, with premiums that are 47% lower than the national average of $2760.
| Company | Annual Premium |
|---|---|
| Travelers | $950 |
| USAA | $1,316 |
| Nationwide | $1,942 |
| MetLife | $2,050 |
| Progressive | $2,036 |
| American Family | $2,044 |
| State Farm | $2,275 |
| Allstate | $4,521 |
| Dairyland | $5,232 |
| State Average | $2,843 |
USAA has the best rates for drivers who have been involved in an at-fault collision. While the average cost of auto insurance after an at-fault collision is $3240 per year, USAA offers full coverage insurance to Delaware drivers for just $1018 per year, which is 51% cheaper than the average insurer.
Because drivers with a recent accident offer a larger risk than drivers with a clean record, insurers hike car insurance costs following an at-fault collision. After an at-fault accident in Delaware, average rates rise by 44%.
| Company | Annual Premium |
|---|---|
| Travelers | $915 |
| USAA | $1,029 |
| Progressive | $2,277 |
| MetLife | $2,371 |
| State Farm | $2,489 |
| American Family | $2,591 |
| Allstate | $5,920 |
| Dairyland | $5,973 |
| Statewide Average | $2,946 |
State Farm offers the best full coverage rates. StateFarm's rates are not just 25% lower than the state average, but the firm also regards a Delaware DUI the same way it considers a speeding ticket, charging the same amount for both infractions.
Driving while intoxicated (DUI) Raises average auto insurance rates more than any infraction. We discovered that rates in Delaware increase by 93% after a DUI.
| Company | Annual Premium |
|---|---|
| Travelers | $1,601 |
| USAA | $1,826 |
| Progressive | $2,077 |
| State Farm | $2,275 |
| American Family | $3,230 |
| Dairyland | $4,406 |
| Allstate | $5,362 |
| Nationwide | $2,837 |
| Statewide Average | $2,942 |
Drivers under 18 are more likely to be involved in accidents than older drivers, making them riskier — and more expensive — to insure. The good news is that rates drop as you get older, as long as you keep a clean driving record until you reach roughly 60 years old.
For young drivers who have been in a collision, Travelers has the best minimum coverage rates. The annual premium averages $995, 74% less than the state average.
Young Delaware drivers already pay high car insurance premiums, but more accidents will increase them. After an 18-year-old driver is involved in an at-fault collision, the average rate increases by 24%.
| Company | Annual Premium |
|---|---|
| Travelers | $995 |
| Progressive | $2,806 |
| State Farm | $3,144 |
| American Family | $3,455 |
| Nationwide | $5,430 |
| Allstate | $6,195 |
| Dairyland | $6,675 |
| Statewide Average | $3,956 |
Your location in Delaware has an impact on the cost of auto insurance. If you reside in a densely populated location, you're more likely to be involved in an accident or be the victim of auto theft, and your insurance rates will normally reflect this risk.
Residents in Frankford pay the lowest annual fee for full coverage, at $1770 per year. Wilmington Manor residents pay the highest annual cost of $2829 per year.
| City | Annual Rate |
|---|---|
| Arden | $2,513 |
| Bear | $2,489 |
| Bellefonte | $2,657 |
| Bethany Beach | $1,937 |
| Bethel | $2,021 |
| Bridgeville | $2,009 |
| Brookside | $2,393 |
| Camden | $2,057 |
| Camden Wyoming | $1,913 |
| Cheswold | $2,129 |
| Claymont | $2,513 |
| Clayton | $1,973 |
| Dagsboro | $1,925 |
| Delaware City | $2,801 |
| Delmar | $1,973 |
| Dewey Beach | $1,949 |
| Dover | $2,105 |
| Dover Air Force Base | $2,093 |
| Dover Base Housing | $2,081 |
| Edgemoor | $2,789 |
| Ellendale | $2,033 |
| Elsmere | $2,789 |
| Felton | $1,901 |
| Fenwick Island | $1,925 |
| Frankford | $1,769 |
| Frederica | $2,081 |
| Georgetown | $1,877 |
| Glasgow | $2,633 |
| Greenville | $2,501 |
| Greenwood | $1,841 |
| Harbeson | $2,009 |
| Harrington | $2,009 |
| Hartly | $2,165 |
| Henlopen Acres | $1,949 |
| Highland Acres | $2,105 |
| Hockessin | $2,345 |
| Houston | $2,021 |
| Kent Acres | $2,117 |
| Kirkwood | $2,621 |
| Laurel | $1,997 |
| Lewes | $1,829 |
| Lincoln | $2,021 |
| Little Creek | $2,141 |
| Long Neck | $1,973 |
| Magnolia | $2,045 |
| Marydel | $2,093 |
| Middletown | $2,405 |
| Milford | $1,793 |
| Millsboro | $1,973 |
| Millville | $1,937 |
| Milton | $1,985 |
| Montchanin | $2,465 |
| Nassau | $1,973 |
| New Castle | $2,585 |
| Newark | $2,297 |
| Newport | $2,669 |
| North Star | $2,513 |
| Ocean View | $1,901 |
| Odessa | $2,417 |
| Pike Creek | $2,429 |
| Pike Creek Valley | $2,465 |
| Port Penn | $2,429 |
| Rehoboth Beach | $1,949 |
| Rising Sun-Lebanon | $2,057 |
| Riverview | $2,081 |
| Rockland | $2,513 |
| Rodney Village | $2,117 |
| Saint Georges | $2,621 |
| Seaford | $1,853 |
| Selbyville | $1,913 |
| Smyrna | $2,057 |
| South Bethany | $1,925 |
| Townsend | $2,405 |
| Viola | $2,093 |
| Wilmington | $2,561 |
| Wilmington Manor | $2,825 |
| Winterthur | $2,465 |
| Woodside | $2,093 |
| Woodside East | $2,045 |
| Wyoming | $2,057 |
| Yorklyn | $2,525 |
Cheap auto insurance in Delaware with bad credit
| Company | Annual Premium |
|---|---|
| Travelers | $1,551 |
| USAA | $2,404 |
| Progressive | $2,470 |
| American Family | $3,805 |
| Allstate | $5,799 |
| Dairyland | $5,845 |
| State Farm | $6,321 |
| Statewide Average | $4,028 |
Delaware auto insurance rate by violation
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $2,127 | 1% | $10 |
| One Med/PIP claim | $2,133 | 1% | $16 |
| Two Med/PIP claims | $2,170 | 3% | $53 |
| Not-at-fault accident | $2,210 | 5% | $93 |
| One comp claim | $2,249 | 7% | $132 |
| Two comp claims | $2,331 | 11% | $214 |
| Failure to show documents | $2,352 | 12% | $235 |
| Failure to wear a seat belt | $2,382 | 13% | $265 |
| Driving with expired registration | $2,384 | 13% | $267 |
| Driving without lights | $2,414 | 15% | $297 |
| Child safety restraint | $2,415 | 15% | $297 |
| Speeding 11 - 15 MPH over limit | $2,517 | 19% | $400 |
| Speeding 6 - 10 MPH over limit | $2,517 | 19% | $400 |
| Texting while driving | $2,533 | 20% | $416 |
| Cell phone violation | $2,533 | 20% | $416 |
| Speeding 16 - 20 MPH over limit | $2,543 | 21% | $425 |
| Speeding in school zone | $2,545 | 21% | $428 |
| Driving too slowly | $2,545 | 21% | $428 |
| Following too closely | $2,561 | 21% | $444 |
| Illegal turn | $2,593 | 23% | $475 |
| Improper passing | $2,593 | 23% | $475 |
| Failure to yield | $2,593 | 23% | $475 |
| Failure to stop at a red light | $2,593 | 23% | $475 |
| Wrong way/wrong lane | $2,593 | 23% | $475 |
| At-fault accident - less than $1000 | $2,641 | 25% | $523 |
| Passing school bus | $2,659 | 26% | $541 |
| Speeding 21 - 25 MPH over limit | $2,661 | 26% | $544 |
| Open container | $2,806 | 33% | $689 |
| At-fault accident - $1000-$2000 | $2,826 | 34% | $708 |
| At-fault accident - greater than $2000 | $2,859 | 36% | $742 |
| In 65 MPH zone | $2,945 | 40% | $828 |
| Operating a vehicle without permission | $3,016 | 43% | $899 |
| Reckless driving | $3,803 | 80% | $1,686 |
| Refusal to submit to a chemical test | $3,825 | 81% | $1,708 |
| DUI | $3,855 | 83% | $1,738 |
| Driving with a suspended license | $3,871 | 83% | $1,753 |
| Racing | $3,947 | 87% | $1,829 |
| Leaving scene of an accident/hit and run | $4,010 | 100% | $1,893 |
Car insurance price trends in Delaware
| Year | Avg. Annual Premium — Delaware | Yearly Change — Delaware | Avg. Annual Premium — US | Yearly Change — US |
|---|---|---|---|---|
| 2021 | $1,633 | $18 | $1,539 | $56 |
| 2020 | $1,625 | -$162 | $1,493 | -$51 |
| 2019 | $1,797 | -$80 | $1,554 | $33 |
| 2018 | $1,887 | $91 | $1,531 | $94 |
| 2017 | $1,806 | $244 | $1,447 | $79 |
| 2016 | $1,572 | -$313 | $1,378 | $98 |
| 2015 | $1,895 | $226 | $1,290 | $61 |
| 2014 | $1,679 | $165 | $1,239 | $44 |
| 2013 | $1,524 | -$53 | $1,205 | -$70 |
| 2012 | $1,587 | $333 | $1,286 | $92 |
Delaware drivers pay somewhat more for car insurance than the national average. Delaware drivers spend $798 on average per year for the state's minimum insurance requirements and $1785 for full coverage. Delaware car insurance costs more than the national average of $1683 for full coverage and $573 for minimal coverage.
If you want to find the cheapest vehicle insurance in Delaware, you should start by browsing for affordable suppliers. However, there are a few alternative options for obtaining low-cost coverage:
Working with a qualified insurance agent may be beneficial if you are unsure how much coverage you require or what policy types to obtain. An agent may be able to recommend coverages and levels of coverage that are appropriate for your circumstance.
The expert analysts at Way.com performed an annual survey of the best car insurance companies in Delaware to see which ones have the best coverage, rates, and service. The survey assigns points to insurance firms based on how well they handle billing and policy details, claims management, customer engagement, policy offerings, pricing, and overall customer satisfaction.
You'll want to compare discounts after you've shopped around and narrowed down the firms you're able to partner with. Compare not just the amount of discounts a business provides, but also the discounts you'll get after you enter. You will need to talk to a representative to get discounted car insurance in Delaware.
Compare the benefits you'd get from raising the deductible after you've done the homework of shopping around and evaluating discounts. Although a high deductible means a lower payout, the cost differential between a low and a high deductible may be substantial if you choose this route and set aside some money if you are involved in a severe accident.
Many Delaware residents will seek out cheap auto insurance Delaware. But a reasonable price and a good provider are possible. The companies that deliver the lowest premiums often happen to be the best car insurance companies in Delaware.
Remember that discounts differ between insurance companies, so it's best to contact them directly to determine which ones you qualify for.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
According to our research of the top insurance providers in Delaware, State Farm offers the best rates to drivers. State Farm's minimum coverage costs $909 per year or $75 per month.
In Delaware, the average annual premium for minimal coverage is $798. In Delaware, the average annual premium for full coverage is $1785.
Delaware car insurance is expensive due to the state's tiny physical area, which results in high population density, more accidents, and high repair costs. In Delaware, total coverage vehicle insurance costs around $1785 per year, while minimal coverage costs around $798 per year.
Delaware's minimum auto insurance coverage levels are as follows:
On average, car insurance in Delaware costs $94 per month or $1143 per year. Delaware's average automobile insurance premium is 57 percent higher than the national average, and the state ranks 46th out of 50 for the country's cheapest vehicle insurance premiums.
USAA and California Casualty are the cheapest automobile insurance carriers in Delaware, with lower than the state average premiums.
Driving without any form of automobile insurance is far more dangerous, and the consequences are far more severe. Driving without insurance is a criminal violation in Delaware, and there are a variety of consequences.
Vehicle owners in Delaware are required to have the following minimum amounts of liability auto insurance coverage: $25000 each person wounded in an accident you cause for bodily injury responsibility. When two or more persons are wounded in an accident you cause, you are liable for $50000 in total bodily injury responsibility.
Personal Injury Protection, or "PIP," is a type of no-fault motor insurance available in Delaware covering medical bills and lost income but not pain and suffering. You can sue the person who caused the vehicle accident and your injuries for pain and suffering under Delaware's no-fault legislation.
Delaware's average vehicle insurance rate is $1710 per year, 19.1% higher than the national average.
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