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Cheap Car Insurance in Delaware (2023)

Drivers in Delaware pay rates starting at $66/mo. for car insurance.

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Katie Powers
Written by
Katie Powers
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Written by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Evelyn Pimplaskar
Edited by
Evelyn Pimplaskar
Evelyn Pimplaskar
Edited by
Evelyn Pimplaskar
Editor-in-Chief, Director of Content
Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.Prior to joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative, and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as Credit Karma’s tax editor, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Updated December 21, 2022

Connecticut drivers live in the ninth most-expensive state for purchasing auto insurance, paying a high average premium of $305 per month. The national average, for comparison, is only $233 per month. Shopping around is an easy way to find cheap car insurance. You simply have to enter your ZIP code, individual driver information, and vehicle type to compare quotes.

Quick Facts

  • The average cost of car insurance in Delaware is $305/mo.

  • USAA is the cheapest provider in Delaware, with average rates of $103/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Delaware: USAA

1
USAA logo

USAA

Best Cheap Car Insurance in Delaware
Average Monthly Cost:
$103
Insurify Composite Score:
96

The cheapest insurer available varies for each driver, depending on each insurer’s methodology for calculating rates. USAA, State Farm, and Travelers are three auto insurers that not only offer some of the state’s cheapest auto insurance but also earn high Insurify Composite Scores for financial strength and customer satisfaction.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
USAA96$103
State Farm88$152
Travelers80$188
GEICO88$202
Nationwide89$216
Erie85$177
Midvale Home & AutoN/A$225
American Family89$235
ProgressiveN/A$266
Liberty Mutual82$302
Allstate85$348
Farmers85$369
CSAAN/A$448
DairylandN/A$449
Direct AutoN/A$472
AmicaN/A$733
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.
  • The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

    Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Learn More: Best Car Insurance Companies

Minimum car insurance requirements in Delaware

All motor vehicles operated or parked on Delaware roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Delaware are:[1]

  • $25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Delaware is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $10,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $15,000 per person and $30,000 per accident for PIP: Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Delaware DMV information

The Delaware Division of Motor Vehicles (DMV) provides driver education, administers driver’s licenses and ID cards, audits uninsured motorists, and issues titles and registration for vehicles.[2] You can access these services at four Delaware DMV facilities, in Wilmington, New Castle, Dover, and Georgetown. Many of the DMV’s services are also available online.

Public transportation in Delaware

DART First State, which has a mobile app, is the only public transportation system that serves the whole state of Delaware. Buses connect the state’s busier counties, with additional buses running to the beach during the summer. DART also provides transportation within New Castle, Kent, and Sussex Counties. The SEPTA train line connects Wilmington and Newark.

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Tips for getting cheap car insurance in Delaware

Cheap car insurance is attainable for Delaware drivers, even for those with a poor driving history or credit score. Even though the state’s insurance rates are higher than the national average, shopping around for quotes from multiple providers will help you find cheap auto insurance matching your profile. Compare quotes today to save money on quality coverage.

Some other ways you can save money on car insurance include:

  • Bundling multiple policies

  • Looking for discounts, like good student or good driver discounts

  • Increasing your deductible

  • Maintaining a good credit score

Liability-only vs. full-coverage insurance in Delaware

If you live in Delaware, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Delaware by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
USAA$66$103
State Farm$98$152
GEICO$130$202
American Family$151$235
Progressive$171$266
Erie$113$177
Midvale Home & Auto$164$225
Travelers$176$188
Liberty Mutual$205$302
Allstate$224$348
Farmers$237$369
Nationwide$253$216
Dairyland$257$449
CSAA$275$448
Direct Auto$417$472
Amica$471$733
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.

How your driving history affects Delaware car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Delaware. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Delaware based on driving and accident history.

See More: High-Risk Car Insurance Delaware

Car Insurance CompanyAverage Monthly Rate 
USAA$142
Farmers$165
Travelers$185
State Farm$189
Nationwide$200
Midvale Home & Auto$200
American Family$219
Progressive$248
Liberty Mutual$309
Allstate$324
GEICO$344
CSAA$406
Direct Auto$441
Dairyland$443
Erie$545
Amica$683
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.

See More: DUI Car Insurance Delaware

SR-22 insurance in Delaware

If you get your driver’s license suspended, many states require you to have a special liability form called an SR-22 that proves you meet minimum insurance requirements to get it back. Most companies can file an SR-22 for you, and they must notify the state that they’re providing you with special insurance. But the state of Delaware doesn’t require SR-22s.

How credit scores affect Delaware car insurance quotes

Delaware allows insurance providers to consider credit scores as an indicator when determining rates. Drivers with excellent and good credit scores qualify for lower rates than those with poor credit scores.

Credit TierAverage Monthly Quote
Excellent$253
Good$299
Average$329
Poor$510
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.

See More: Bad Credit Car Insurance Delaware

How your city affects Delaware insurance quotes

In population-dense areas where you’re more likely to wind up with an at-fault accident, auto insurers will charge higher rates. In the table below, you’ll see that rates in Delaware vary on a city-by-city basis, partially due to factors like population, crime rates, climate, and more. Average rates in the state are the lowest in Rehoboth Beach and the highest in Wilmington.

CityAverage Monthly Quote
Bear$292
Bridgeville$171
Claymont$381
Dover$304
Ellendale$250
Frankford$527
Georgetown$216
Greenwood$234
Harrington$299
Hockessin$237
Laurel$321
Middletown$359
Milford$297
New Castle$334
Newark$290
Ocean View$181
Rehoboth Beach$141
Seaford$392
Smyrna$215
Wilmington$387
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.

How your age affects your Delaware car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$902
Under 25$396
20s$265
30s$282
40s$287
50s$267
60s$242
70s$224
80+$180
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.

Quotes for younger drivers

Drivers younger than 25 typically have the highest insurance costs of any age group. Traffic violations like DUIs, speeding tickets, or at-fault accidents can push rates even higher for young drivers. The following table shows average monthly car insurance rates for young drivers in Delaware.

Car Insurance CompanyAverage Monthly Rate 
TravelersN/A
NationwideN/A
Progressive$237
Liberty Mutual$297
Midvale Home & AutoN/A
CSAA$383
Dairyland$347
Direct Auto$660
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.

Quotes for middle-aged drivers

Drivers tend to find their rates start to drop after they turn 26. As they continue to gain experience, and keep their driving records in good shape, their costs may fall even further. But traffic violations can raise their rates, in some cases dramatically. The following table explores the impact certain traffic incidents can have on average monthly car insurance rates for middle-aged drivers.

Car Insurance CompanyAverage Monthly Rate 
Travelers$162
NationwideN/A
Progressive$165
Midvale Home & Auto$167
Liberty Mutual$191
Direct Auto$359
Dairyland$216
CSAA$263
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.

Quotes for senior drivers

Years of driving experience and fewer miles driven usually mean senior drivers can find very cheap car insurance rates. In Delaware, average monthly rates for senior drivers can be as low as $115 for minimum coverage. But accidents and DUIs can cause rates to rise for senior drivers.

Car Insurance CompanyAverage Monthly Rate 
TravelersN/A
NationwideN/A
Progressive$125
Midvale Home & Auto$115
Liberty Mutual$142
Dairyland$172
Direct Auto$313
CSAA$202
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.

Delaware car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Delaware.

  • The top car insurance companies offering the cheapest average quotes include USAA, State Farm, and Travelers. For a full-coverage policy, Delaware drivers pay a monthly average of $103 with USAA, $152 with State Farm, and $188 with Travelers. Erie, a smaller insurer, also provides a low monthly rate of $177.

    Nationwide is another top auto insurance provider with affordable quotes across coverage levels and driving history. The company offers the cheapest quotes in Delaware for drivers with speeding tickets on their records. Compare quotes from multiple insurers to find the best rates for your needs.

  • Only 15% of drivers in Delaware have a recorded driving incident, making it one of the country’s safest states for driving. Higher-risk drivers with a past DUI, however, pay the highest average rates by driver category throughout Delaware. Teenagers are the age group that spends the most, averaging $902 per month.

    Delaware is one of the least populated states in the country, but the state’s small geographical size leads to densely populated areas. For example, the population density in California, the country’s most populated state, is 254 people per square mile, and it’s 508 people per square mile in Delaware.[3] Higher population density leads to more cars on the road and more chances for accidents to occur.

  • Drivers in Delaware live in the ninth most-expensive state for car insurance, spending an average of $305 per month. By comparison, the national average rate is $233 per month. Drivers in bordering states pay average monthly rates of $320 in Maryland, $354 in New Jersey, and $217 in Pennsylvania.

    In the past couple years, car insurance rates in Delaware have fluctuated up and down, which is fairly standard throughout the industry. For example, current average rates are lower than the average rates in July of last year. Auto insurance costs fluctuate on an individual level, but it’s worth noting that car insurance rates have been increasing across multiple insurers.

  • The best car insurance companies in Delaware are USAA, State Farm, and GEICO, based on Insurify Composite Scores determined by Insurify data scientists. Policyholders with State Farm receive quality coverage for just $152 per month, which is much lower than the state’s average.

    At $202 per month, GEICO also provides customers with rates lower than the Delaware state average and offers numerous discount opportunities. Lastly, USAA quotes the cheapest average rate for Delaware drivers at just $103 per month. Compare coverage options from these insurers and more to find the right fit.

  • Yes, Delaware drivers need personal injury protection (PIP) coverage. Specifically, drivers need a minimum of $15,000 per person and $30,000 per accident.[4] This insurance covers the policyholder for medical payments they incur in the event of an accident. In some cases, you may also receive non-medical benefits, such as compensation for lost wages.

    Delaware is an at-fault state, which means the driver who caused an auto accident or collision assumes financial responsibility for the related expenses through their auto insurer or out of pocket. Having the right amount of insurance coverage protects drivers from expenses they can’t afford.

  • Yes, car insurance is mandatory in Delaware.[5] The minimum coverage limits include:

    • $25,000 per person and $50,000 per accident for bodily injury liability

    • $10,000 per accident for property damage liability

    • $15,000 per person and $30,000 per accident for personal injury protection (PIP) coverage

    Uninsured or underinsured drivers risk fees and legal trouble. Liability insurance covers the costs associated with bodily injury and property damage to others that the insured causes. The required PIP coverage goes toward any of the insured’s medical payments related to an auto accident or incident.

  • As in most states, car insurance in the state of Delaware typically follows the insured vehicle rather than the insured driver. Insured vehicle owners commonly allow friends and family to borrow their vehicles, so it’s helpful to understand the insurance implications if something happens. As a rule, don’t let people without a driver’s license borrow your vehicle.

    The good news is that the insured’s coverage will most likely still kick in where applicable, as long as the person borrowing the car has a driver’s license. In the best-case scenario, that driver would also have their own separate car insurance that could apply if needed to cover costs not included in the vehicle owner’s insurance policy.

  • Full-coverage car insurance provides you with liability coverage for bodily injury and property damages you cause; comprehensive coverage for theft, vandalism, and weather damage; and collision coverage to pay for property damage to your vehicle, whether you caused the collision or not.

    The only portion of this coverage mandated by state law is liability coverage, specifically for bodily injury and property damage. Determining if this more expensive coverage is worth it depends on your insurance needs and vehicle type. Drivers with more expensive vehicles, for example, should probably purchase a full-coverage policy for more protection.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Delaware Department of Motor Vehicles. "Vehicle Services Registration." Accessed December 8, 2022
  2. Delaware Division of Motor Vehicles. "Division of Motor Vehicles." Accessed December 8, 2022
  3. U.S. Census Bureau. "Quick Facts Delaware." Accessed December 8, 2022
  4. Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed December 8, 2022
  5. Delaware Department of Insurance. "Automobile Insurance." Accessed December 8, 2022
Katie Powers
Written by
Katie Powers
Linkedin

Insurance Writer

Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

Learn More
Evelyn Pimplaskar
Edited by
Evelyn Pimplaskar
Linkedin

Editor-in-Chief, Director of Content

Evelyn Pimplaskar
Edited by
Evelyn Pimplaskar
Editor-in-Chief, Director of Content
Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.Prior to joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative, and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as Credit Karma’s tax editor, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
Linkedin

VP of Engineering

Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.