Cheapest Car Insurance Quotes in Delaware

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Delaware Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. 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.

Table of Contents

How Much Is Car Insurance in Delaware

The car insurance rate in Delaware is $675 for a six-month policy, which is $7 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $240, making it a popular choice for budget-conscious drivers. Rates in Delaware can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Delaware

$675

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Delaware

1st place: American Family

At $240 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $384 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $600 for six months, making it the third cheapest auto insurance company in Delaware.

Delaware Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Delaware, OH is American Family, offering policies at just $240 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $384.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $768 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Delaware drivers find the best deals.

Cheap Car Insurance Companies in Delaware, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$240	$40
Auto-Owners Insurance Co	$384	$64
Travelers	$600	$102
Erie	$606	$102
State Farm	$612	$104
USAA	$612	$103
Hastings Mutual	$624	$106
Nationwide	$630	$106
Central Mutual	$726	$123
Progressive	$732	$123
Farmers	$888	$150
Grange	$948	$158
Allstate	$1086	$183
Westfield	$768	$130

Key Takeaways

Way's key takeaways about car insurance in Delaware

The auto insurance costs in Delaware fall around $240 for six months.
The cheapest auto insurance company in Delaware is American Family.
Teen drivers pay the highest rate in Delaware at $714 per month.

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Cheapest Minimum Liability Car Insurance in Delaware

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Delaware are given below.

American Family provides the cheapest minimum car insurance coverage in Delaware. Their Average 6 Month Premium is $126. Allstate is the most expensive at $456 for the same period.

Cheapest Liability Coverage in Delaware, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$126	$21
Central Mutual	$138	$23
Auto-Owners Insurance Co	$150	$25
Westfield	$156	$26
USAA	$162	$27
Erie	$180	$30
State Farm	$198	$33
Progressive	$216	$36
Nationwide	$240	$40
Travelers	$251	$42
Auto-Owners	$264	$44
Farmers	$336	$58
Grange	$366	$61
Allstate	$456	$77

Cheapest Full Coverage Car Insurance in Delaware

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Delaware is American Family at $40 per month and $240 for six months.

Cheapest Full Coverage Car Insurance Quotes in Delaware, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$240	$40
Auto-Owners Insurance Co	$384	$64
Travelers	$600	$102
Erie	$606	$102
State Farm	$612	$104
USAA	$612	$103
Hastings Mutual	$624	$106
Nationwide	$630	$106
Central Mutual	$726	$123
Progressive	$732	$123
Farmers	$888	$150
Grange	$948	$158
Allstate	$1086	$183
Westfield	$768	$130

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Average Car Insurance in Delaware by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Delaware, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Delaware, Ohio, may be increasing due to several external factors. Ohio has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Delaware's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Delaware

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$544
30s	USAA	$385
40s	USAA	$349
50s	USAA	$323
60s	USAA	$339
70s	USAA	$411

Cheapest Car Insurance Rates for Teen Drivers in Delaware,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Delaware at $22 per month. At $4200 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$132	$22
Westfield	$162	$27
USAA	$834	$140
Erie	$888	$149
Travelers	$1086	$183
Nationwide	$1692	$285
Progressive	$1698	$286
Allstate	$2310	$389
State Farm	$2490	$423
Grange	$2748	$458
Farmers	$4200	$714

Teen Car Insurance Rates in OH by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Delaware.

As young drivers face the highest rates in Delaware, USAA offers the cheapest auto insurance rates at $544 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Delaware, American Family is the cheapest car insurance provider. At $204 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Delaware is Allstate, offering rates of around $1734 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$204	$34
Westfield	$258	$43
Nationwide	$684	$115
Erie	$708	$119
Progressive	$708	$119
USAA	$768	$128
Grange	$786	$132
Allstate	$1734	$289

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Car Insurance Rates with An Accident in Delaware

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Delaware, OH, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Delaware

The cheapest car insurance companies after an at-fault accident in Delaware include Central Mutual and American Family, offering $138 and $156, respectively. Frankenmuth is an expensive provider with an average six-month premium of $246.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$138	$23
American Family	$156	$26
Auto-Owners Insurance Co	$240	$40
Westfield	$240	$40
Erie	$330	$56
Nationwide	$690	$116
Travelers	$924	$156
Grange	$1157	$197
USAA	$1218	$205
Auto-Owners	$1374	$231
Progressive	$1944	$327
Allstate	$2292	$386
State Farm	$4608	$768
Frankenmuth	$246	$41

Delaware Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Delaware OH. For example, the car insurance in Delaware after a DUI increases to $702 for a six month policy. While the rate increases by $156 for a six-month policy in the case of a speeding ticket.

Delaware auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$738	$123
One Med/PIP claim	$755	$128
Not-at-fault accident	$768	$128
One comp claim	$786	$133
Two Med/PIP claims	$786	$131
Two comp claims	$822	$139
Failure to show documents	$828	$138
Driving without lights	$846	$143
Failure to wear a seat belt	$846	$141
Child safety restraint	$864	$146
Driving with expired registration	$864	$144
Driving too slowly	$894	$152
Speeding 11 - 15 MPH over limit	$894	$149
Speeding 6 - 10 MPH over limit	$894	$152
Speeding in school zone	$894	$149
Cell phone violation	$900	$154
Failure to yield	$900	$150
Following too closely	$900	$154
Illegal turn	$900	$150
Texting while driving	$900	$154
Wrong way/wrong lane	$900	$150
Failure to stop at a red light	$906	$155
Improper passing	$912	$152
Speeding 16 - 20 MPH over limit	$912	$156
At-fault accident - less than $1000	$942	$157
Passing school bus	$948	$162
Speeding 21 - 25 MPH over limit	$972	$162
In 65 MPH zone	$984	$168
At-fault accident - $1000-$2000	$1086	$181
At-fault accident - greater than $2000	$1092	$186
Open container	$1092	$182
Operating a vehicle without permission	$1098	$187
Reckless driving	$1392	$232
Racing	$1416	$240
Refusal to submit to a chemical test	$1416	$236
Driving with a suspended license	$1428	$242
DUI	$1440	$240
Leaving scene of an accident/hit and run	$1482	$251

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Delaware after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Delaware.

The cheapest car insurance premiums in Delaware are offered by American Family at $156 for a six-month policy. However, it can be as expensive as $1518 with companies like Grange.

Delaware car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$156	$26
Erie	$468	$79
Travelers	$498	$84
Progressive	$582	$98
USAA	$606	$102
Nationwide	$882	$148
State Farm	$966	$165
Farmers	$1200	$200
Allstate	$1470	$247
Grange	$1518	$253

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Delaware are offered by American Family at $156. However, it can be as expensive as $1361 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Delaware after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$156	$26
Auto-Owners Insurance Co	$156	$26
Westfield	$168	$28
Erie	$348	$59
USAA	$551	$92
Nationwide	$576	$97
Progressive	$606	$102
Allstate	$1320	$224
Grange	$1361	$227

Car Insurance Price Trends in Delaware, Ohio

Car insurance rates in Delaware have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Delaware rose by $120 in December compared to $117 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Delaware rose to $36 in December, compared to $35 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Delaware?

The car insurance in Delaware is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Delaware?

The cheapest car insurance in Delaware is $40 per month for full coverage.

How much is car insurance in Delaware for teenagers?

Car insurance for teenagers costs $132 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Delaware?

The average cost of car insurance is $668 for a six-month policy. It will cost around $113 per month to insure your car in Delaware.

Is car insurance expensive in Delaware?

Car insurance can be expensive in Delaware if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Delaware can be affordable.

Cheapest Car Insurance Quotes in Delaware

Why you can trust Way?

How Much Is Car Insurance in Delaware

Avg. Car Insurance in Delaware

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Delaware

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Delaware Car Insurance Rates by Company

Cheap Car Insurance Companies in Delaware, OH

Way's key takeaways about car insurance in Delaware

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Delaware

Cheapest Liability Coverage in Delaware, OH

Cheapest Full Coverage Car Insurance in Delaware

Cheapest Full Coverage Car Insurance Quotes in Delaware, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Delaware by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Delaware, OH increasing?

Car Insurance Premiums by Age in Delaware

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Delaware,OH

If you are in your twenties USAA is the best choice for car insurance in Delaware.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Delaware

Cheapest Car Insurance Companies after an At-Fault Accident in Delaware

Delaware Car Insurance Rates by Violation

Delaware auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Delaware after a DUI

Delaware car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Delaware after Speeding ticket

Car Insurance Price Trends in Delaware, Ohio

Average Car Insurance Cost in Delaware by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Delaware, OH

Car Insurance Rates by State in the USA (2025 Update)

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