)
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Featured in
Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Although it’s the second-smallest state in land area, Delaware is among the most densely populated states in the U.S., which likely contributes to its higher car insurance costs.
Delaware drivers pay an overall average of $201 per month for their car insurance coverage, compared to the national average cost of $150.
Here’s what you need to know about finding affordable car insurance in the First State.
State Farm, GEICO, and USAA are some of the cheapest car insurance companies in Delaware.
Delaware had 131 traffic fatalities in 2024 and 39 as of March 2025.[1]
Delaware drivers pay a yearly average of $2,896 for full-coverage insurance.
3 of the cheapest car insurance companies in Delaware
Insurance companies offer various coverage options and rates depending on factors like your driving record, vehicle type, and ZIP code. This is why it’s important to compare quotes from different insurers and find the best coverage that suits your needs.
You can start your search by reviewing three of the cheapest companies in Delaware below.
State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $84/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Alan
April 14, 2025
Service Down, Rates Up!
Jay
April 14, 2025
Good
William
April 14, 2025
Consider Alternatives to State Farm for Better Rates
State Farm is America’s most popular insurance company by market share, according to the National Association of Insurance Commissioners (NAIC). It’s also the largest auto insurance company in Delaware. It has a wide selection of coverages, including rideshare insurance, car rental insurance, and travel expenses coverage.
Exclusive agents in 24 Delaware cities
Above-average J.D. Power customer service rating
Many coverage types to personalize policy
Doesn’t offer gap insurance
Online policy purchasing not available
High-risk drivers pay higher rates
GEICO
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $105/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $147/mo |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Mel
April 14, 2025
Ratings
Johnny
April 14, 2025
No Communication
James
April 14, 2025
Unsatisfactory experience with GEICO
As a commuter, your car is the key to flexibility and control over your daily schedule. GEICO offers a broad range of coverage options and discounts, including roadside assistance coverage starting at just $14 per year. You can also get rental reimbursement and mechanical breakdown coverage to help you get back on the road.
Competitive rates for Delaware commuters
Variety of discounts
Mobile app has excellent customer ratings
Below-average J.D. Power customer satisfaction rating for Mid-Atlantic insurers
Gap insurance not available
Minimal local agents — only available in Wilmington
USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $76/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Alan
April 14, 2025
Time for a Change
William
April 14, 2025
Too Expensive for Me
Linda
April 14, 2025
Excellent Customer Service
USAA emerges as the top choice for members of the military community and their families in Delaware. It offers the lowest average rates in the state for minimum coverage. USAA consistently scores high on customer satisfaction studies from J.D. Power and has a high Insurify Quality (IQ) Score.
Lowest liability coverage rates in Delaware
Exceptional J.D. Power customer service rating
Offers usage-based insurance
Limited to military members, veterans, spouses, and children
No physical locations in Delaware
Fewer coverage options than other insurers
How to get the cheapest car insurance in Delaware
Your auto insurance quotes come from careful consideration of many factors, such as your driving record, age and experience, vehicle type, location, and insurance history. Although some of these factors are out of your control, you can still find ways to lower your coverage costs.
Here’s how to save on car insurance rates in Delaware:
Practice safe driving. Maintain a clean driving record by following traffic laws and avoiding accidents or violations.
Choose a higher deductible. Consider raising your collision and comprehensive deductible, which can lower your premiums but also increases your out-of-pocket expenses in the event of a claim.
Ask about discounts. Explore discounts that insurance companies may offer, such as bundling discounts, good student discounts, or safe driver discounts.
Consider a usage-based program. Take advantage of telematics programs that track your driving behavior to potentially qualify for additional discounts. But be aware some insurers may increase your rates if their telematics detects poor driving habits.
Compare car insurance companies. Car insurance is a competitive market. By comparing quotes from multiple insurance companies, you increase your chances of finding the best rates.
Cheapest liability-only car insurance quotes in Delaware: USAA
Liability-only car insurance provides financial protection for damages, such as medical expenses you may cause to others in an accident. It doesn’t cover any damages to your vehicle.
Delaware law requires drivers to carry liability-only car insurance at a minimum. It’s more affordable, but consider your needs and the value of your vehicle before buying it. Buying only the minimum required amount of liability insurance may not provide you with adequate financial protection in case of an at-fault accident.
Delaware drivers pay an average of $160 per month for liability coverage.
The following table shows the lowest liability rates from top insurers offering coverage in Delaware.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
---|---|
USAA | $54 |
State Farm | $84 |
GEICO | $105 |
Root | $110 |
CSAA | $129 |
Travelers | $129 |
National General | $146 |
Progressive | $150 |
Direct Auto | $168 |
Nationwide | $175 |
Allstate | $178 |
Liberty Mutual | $241 |
Cheapest full-coverage car insurance quotes in Delaware: USAA
In addition to liability coverage, full-coverage auto insurance covers comprehensive and collision damage to your vehicle. If you have a newer or more expensive car, it can pay for repairs or replacement. Full coverage is smart if you rely on your vehicle for daily commuting — it protects against car accidents, theft, vandalism, falling objects, and natural disasters.
The average monthly cost of full coverage in Delaware is $241, but you may find lower rates from some of the insurance companies in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
---|---|
USAA | $76 |
State Farm | $117 |
GEICO | $147 |
Root | $154 |
CSAA | $180 |
Travelers | $180 |
Progressive | $210 |
Nationwide | $245 |
Allstate | $249 |
National General | $287 |
Direct Auto | $338 |
Liberty Mutual | $341 |
Cheapest recent car insurance quotes in Delaware
Recent Delaware car insurance prices for Toyota, Volkswagen, KIA , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your age can play a significant role when insurers determine auto insurance premiums.
Insurance companies charge teen drivers higher rates due to their lack of experience and high accident rates. Car insurance rates generally decrease around age 25, but you may see a rate hike around age 70.
The Insurance Institute for Highway Safety (IIHS) reports a higher accident risk after age 70, which contributes to the price increase for senior drivers.[2]
Age GroupAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageTeen drivers $290 $437 Adult drivers $156 $235 Senior drivers $137 $207 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Delaware
Delaware drivers must meet specific insurance requirements, including liability coverage and personal injury protection. Because it’s a “fault” state, the person responsible for causing the car accident is responsible for covering the damages — you’ll want an insurance company to step in to cover the cost of these losses.[3]
Here are the minimum requirements in Delaware:[4]
Coverage | Minimum Requirements |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $10,000 per accident |
Personal injury protection (PIP) | $15,000 per person / $30,000 per accident |
Besides increasing your coverage limits, you can purchase additional optional coverages:
Collision coverage
Collision insurance covers the cost of damages from collisions with vehicles or other objects such as a tree, fence, or light pole. Collision insurance also covers rollover accidents.
Comprehensive coverage
Comprehensive insurance helps cover the price of repairs or replacement if your car is damaged by something other than an accident, such as fire, weather, theft, or vandalism.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist insurance pays for losses from drivers without insurance or hit-and-run accidents and protects you if you’re in an accident that isn’t your fault when the other driver doesn’t have enough insurance to cover your injuries.
Roadside assistance
Roadside assistance coverage can get you back on the road quickly if your vehicle has a minor breakdown. This coverage typically includes changing a tire or battery, providing a jump, and towing your car to a repair shop.
Rental car coverage
Rental car insurance helps pay for the cost of renting a car after an accident while your vehicle is in the repair shop.
Cheapest car insurance in Delaware by driving record
Driving infractions like speeding tickets, at-fault accidents, driving under the influence (DUI), and other moving violations can hurt your driving record and car insurance costs. After an incident, insurers consider you a high-risk driver and typically raise premiums to offset the potential cost of covering future claims.
For example, Delaware drivers with a clean driving record pay a monthly average of $160 for liability insurance, while drivers with an incident on their record pay an average of $183 per month for liability-only coverage.
The table below shows how liability insurance rates vary by driving incident.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
---|---|---|---|
USAA | $65 | $65 | $79 |
State Farm | $99 | $100 | $124 |
GEICO | $126 | $126 | $155 |
Root | $145 | $145 | $147 |
Travelers | $156 | $156 | $190 |
CSAA | $157 | $161 | $190 |
National General | $174 | $172 | $215 |
Progressive | $180 | $184 | $221 |
Direct Auto | $202 | $207 | $247 |
Nationwide | $211 | $211 | $258 |
Allstate | $213 | $213 | $262 |
Liberty Mutual | $308 | $307 | $355 |
Where you live in Delaware can affect your car insurance rates. The table below shows how average car insurance rates compare in Delaware cities.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageDover $147 $230 Newark $168 $235 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Delaware car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Delaware.
Car insurance in Delaware costs an overall average of $201 per month. Delaware drivers pay $241 per month for full-coverage insurance and $160 per month for liability coverage. Your specific rate will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
USAA offers the cheapest liability-only coverage in Delaware, starting at $54 per month. Delaware drivers can also find savings with State Farm and GEICO, which have monthly liability-only rates of $84 and $105, respectively.
With an Insurify Quality (IQ) Score of 9.3 and an AM Best financial strength rating of A++ (Excellent), State Farm is the best car insurance company in Delaware. Other top Delaware auto insurers include USAA, GEICO, Liberty Mutual, and Allstate.
No. Delaware is an at-fault state. This means drivers responsible for an auto accident are responsible for covering the costs of damage and injury for the other driver and their passengers.
Yes. Driving without insurance in Delaware is illegal and considered a criminal offense. You might have to pay up to $2,000 in fines and could lose your license.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Delaware.gov. "DelDOT Dashboard."
- IIHS. "Fatality Facts 2022 Older People."
- NOLO. "Delaware Car Insurance Requirements."
- Delaware Division of Motor Vehicles. "Vehicle Services Registration."
)
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.