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Why Compare Car Insurance Rates in Delaware:

  • On average, people who compare rates save about $970 a year on car insurance
  • Way.com is an insurance power broker agency with over 200+ partners
  • We don’t sell your information to spammers.

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:

  • Make and model of vehicle
  • Gender
  • Age
  • History of driving
  • The company that provides insurance
  • Coverage types
  • Deductible
  • Relationship status
  • Credit rating
  • Zipcode

Minimum Required Auto Insurance Coverage 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

Cheapest Car Insurance in Delaware for Minimum Required Coverage

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 AVERAGE ANNUAL RATE
USAA $930
Travelers $1,059
The General $1,134
Progressive $1,224
State Farm $1,280
Statewide Average $1,395
Nationwide $1,724
MetLife $1,786
Allstate $2,416

Do I Need More Than the Minimum Required State Coverage in Delaware?

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.

Delaware Car Insurance Laws

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.

Delaware PIP regulations

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:

  • The maximum amount your insurance will pay for a single person wounded inside your car, including the driver, is $15,000 in personal injury protection per person.
  • The total amount your insurer will payout for any injuries sustained inside your car in a collision involving more than one person is $30,000 in personal injury protection per accident.

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Auto Insurance Coverage Types

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

Proof of Auto Insurance in Delaware

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.

Average Cost of Auto Insurance Companies in Delaware

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.

Having auto insurance in Delaware can protect you from financial hardship if you cause an accident. Delaware law mandates a certain minimum level of coverage. Way.com's insurance analyst and the editorial team looked at average annual premiums, coverages, discounts, and financial strength scores to find the top car insurance companies 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.

Delaware drivers may evaluate insurance costs, customer service and financial strength rating, coverages, and discounts while looking for the best auto insurance. Way.com undertook an annual review of auto insurance firms. Way.com has given companies a rating depending on how well they handle disputes and their financial soundness. The higher a company's financial strength score, the more probable it is to pay claims, especially when multiple claims are filed at the same time.

Our best auto insurance in Delaware list was compiled based on financial strength ratings, discounts, and price. These elements were combined to create a unique Way.com score for each organization. Here are our top picks based on our research:

Cheapest Car Insurance Quotes For Delaware Drivers

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 started our search for the cheapest auto insurance in Delaware by gathering current rate data from the state's most prominent providers based on market share. The data was then analyzed. We looked at coverage options, possible discounts, and third-party rankings in addition to the average rate.

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 $1,500 per year or $192 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 AVERAGE ANNUAL RATE
USAA $1,018
Travelers $1,144
The General $1,270
Progressive $1,366
State Farm $1,393
Statewide Average $1,500
Nationwide $1,661
Allstate $2,647

Cheap car insurance in Delaware for young Delaware drivers

We recommend starting your search for affordable minimum coverage auto insurance with USAA if you're a young driver. USAA's rate is $3,097 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 18-YEAR-OLD FEMALES 18- YEAR-OLD MALES
Allstate $10,741 $12,387
The General $3,348 $3,014
Nationwide $4,902 $6,266
Progressive $9,741 $10,638
State Farm $3,919 $4,945
Travelers $8,379 $12,799
USAA $3,097 $3,230
Statewide Average $6,304 $7,611

Cheap car insurance for Delaware drivers with a speeding ticket

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 AVERAGE ANNUAL RATE
Travelers $1,209
USAA $1,306
State Farm $1,528
Progressive $1,784
Statewide Average $1,795
The General $1,871
Nationwide $1,932
MetLife $2,040
Allstate $2,938

Cheap auto insurance for Delaware drivers after a car accident

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 AVERAGE ANNUAL RATE
USAA $1,018
Travelers $1,162
State Farm $1,673
Statewide Average $2,050
Progressive $2,093
The General $2,267
Nationwide $2,329
MetLife $2,360
Allstate $3,816

Cheap car insurance quotes for Delaware drivers with a DUI

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 AVERAGE ANNUAL RATE
State Farm $1,518
Progressive $1,808
USAA $1,816
Travelers $1,989
Statewide Average $2,324
The General $2,820
Nationwide $2,827
Allstate $3,493
MetLife $4,979

Cheap full coverage car insurance quotes for young drivers with an accident history

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, State Farm has the best minimum coverage rates. The annual premium averages $3,111, 34% 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%, from $3,820 to $4,730.

Company Annual rate
State Farm $3111
THE GENERAL $3768
Nationwide $5415
Allstate $6585
Progressive $7788

Compare car insurance rates in top Cities

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.

CityAnnual 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 Avg. Annual Premium
Travelers $2,084
USAA $2,396
The General $2,427
Progressive $3,867
State Farm $4,848
Allstate $4,863

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

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How to find the best car insurance in Delaware

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:

  • Get estimates from multiple sources and compare them before deciding on an insurance company. This is one of the most efficient methods for determining which insurance company can provide you with the best deal for your required coverage.
  • Many drivers can save money by taking advantage of discounts. Discounts vary by the insurance carrier, but being claim-free, paying your premium in full, being a good student, and bundling policies can all save you money.
  • Raising your deductibles is a great way to save money. You have a deductible for collision and comprehensive coverage if you have full coverage. If you file a claim for auto damage, this is the amount you will have to pay out of pocket. Raising your policy's deductibles could help you save money on insurance. Before you do so, keep in mind the higher out-of-pocket costs you'll incur if you need to file a claim.
  • It may be tempting to purchase additional coverages for added security, but you should be cautious because each endorsement will raise your premium.

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.

How to Get Discounts on Car Insurance in Delaware

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.

Auto Insurance Data Methodology

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

Delaware Car Insurance FAQ's

Who has the cheapest car insurance in Delaware?

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.

How much is car insurance in Delaware?

In Delaware, the average annual premium for minimal coverage is $798. In Delaware, the average annual premium for full coverage is $1785.

Why is Delaware car insurance so high?

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.

What type of car insurance is legally required in Delaware?

Delaware's minimum auto insurance coverage levels are as follows:

  • Liability coverage for bodily injury is $25000 per person and $50000 per accident.
  • Liability coverage for property damage is $10000.
  • An uninsured motorist's coverage for physical injury caused by an uninsured motorist is $25000 per person and $50000 per accident.
  • Property damage coverage for uninsured motorists is $10000 per accident.
  • $15000 per person and $30000 per accident for personal injury protection.

How much is car insurance per month in Delaware?

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.

Is car insurance cheaper in DE?

USAA, The General, and California Casualty are the cheapest automobile insurance carriers in Delaware, with lower than the state average premiums.

What is the penalty for driving without insurance in Delaware?

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.

Is car insurance required in Delaware?

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.

Is Delaware a no fault state?

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.

How much is insurance for a new driver in Delaware?

Delaware's average vehicle insurance rate is $1710 per year, 19.1% higher than the national average.

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