Cheapest Car Insurance Quotes in Delaware
USAA, State Farm, and National General offer some of Delaware’s cheapest car insurance quotes.
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Writer: Timothy MoorePersonal Finance and Insurance Freelance Writer
Writer: Timothy MoorePersonal Finance and Insurance Freelance Writer
Qualifications:
Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Timothy has covered the insurance market for 15 years. He‘s also the editorial director of a niche travel magazine.
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Editor: Becky HelzerLicensed P&C Agent, Editor
Editor: Becky HelzerLicensed P&C Agent, Editor
Qualifications:
15+ years editing experience
7+ years experience in insurance and personal finance editing
NPN: 6642281
Becky has worked as an editor at Insurify since 2024. In addition to her years of editing experience, Becky is a licensed property and casualty insurance agent.
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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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
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Delaware car insurance at a glance
Cheapest car insurance company in Delaware: USAA
Cheapest car insurance rate in Delaware: $70
Average monthly liability-only car insurance cost in DE: $167
Average monthly full-coverage car insurance cost in DE: $263
Cheapest car insurance quotes in Delaware
The cheapest car insurance companies in Delaware are USAA, State Farm, and National General. To compare Delaware car insurance rates, Insurify obtained quotes using a consistent driver profile with a clean driving record and good credit.
The table below shows the cheapest insurers in Delaware for liability-only and full coverage:
The below rates in Delaware are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Data reviewed by Konstantin Halachev)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $70 | $108 |
| State Farm | $108 | $168 |
| National General | $139 | $259 |
| GEICO | $148 | $236 |
| Allstate | $158 | $257 |
| Travelers | $166 | $257 |
| Direct Auto | $168 | $311 |
| Progressive | $168 | $213 |
| Root | $190 | $295 |
| Dairyland | $224 | $522 |
| Liberty Mutual | $260 | $359 |
Disclaimer: Table data sourced from real-time Delaware car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Delaware may vary based on the policy buyer's unique driver profile.
Best-rated insurance companies in Delaware
Insurify compiled data on multiple insurance companies in Delaware. Data included average rates, customer satisfaction scores, financial strength, and actual reviews.
We analyzed this data, including each insurer’s Insurify Quality (IQ) Score, to determine the best car insurance companies in Delaware. Our top picks include USAA, State Farm, and GEICO.
Best for full coverage: 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. | 9.1 /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. | $70/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. | $108/mo |
4.9
Best choice in DelawareBased on 4,410 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
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.
Based on analysis of verified reviews collected by Insurify
Best in Delaware for
Showing recent national reviewsSee all 1,742 USAA reviews
Verified Review
Reviewed in Washington on November 10, 2026
Good if you stay with them, but it could be better.
Verified Review
Reviewed in Oklahoma on November 9, 2026
Join USAA. Awesome.
Verified Review
Reviewed in North Carolina on November 9, 2026
It was good, but I found a less expensive option.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA has some of the cheapest full-coverage car insurance rates in Delaware, but it serves only military service members, veterans, and their families. About 60,000 veterans and 10,000 active-duty, National Guard, and reserve members live in Delaware, making up about 6.6% of Delaware’s population.[1] [2]
Pros
Low full-coverage rates in Delaware
Low rates for high-risk drivers in Delaware
Highest JD Power customer satisfaction rating in the Mid-Atlantic region
Cons
Available only to service members, veterans, and their families
No human customer support on Sundays
Low customer satisfaction rating on Trustpilot
Best for minimum coverage: 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. | $108/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. | $168/mo |
4.2
Best choice in DelawareBased on 21,690 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about State Farm
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.
Based on analysis of verified reviews collected by Insurify
Best in Delaware for
Showing 14 reviews from Delaware driversSee all 8,304 State Farm reviews
Verified Review
Reviewed in Delaware on October 17, 2026
It was good, but the prices keep going up and up and up.
Verified Review
Reviewed in Delaware on August 26, 2026
When a customer has been with them for more than five years, they still charge extra. I was charged for adding a POV, and there was an additional charge included for the policy I already have.
Verified Review
Reviewed in Delaware on August 25, 2026
State Farm is my current insurance company. They are wonderful!
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm offers some of the lowest minimum-coverage rates in Delaware. The company also offers competitive rates for high-risk drivers, such as teens and drivers with incidents on their driving records.
Pros
Low minimum-coverage rates in Delaware
Many available discounts
Above-average JD Power customer satisfaction rating in the Mid-Atlantic region
Cons
Poor customer satisfaction ratings on Trustpilot
Gap insurance not available
No available accident forgiveness
Best for savings: GEICO
| User Reviews | 4.1 |
|---|---|
| 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. | 9.2 /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. | $148/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. | $236/mo |
4.1
Best choice in DelawareBased on 21,348 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 2.9 |
How drivers feel about GEICO
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.
Based on analysis of verified reviews collected by Insurify
Best in Delaware for
Showing 11 reviews from Delaware driversSee all 8,355 GEICO reviews
Verified Purchase
Reviewed in Delaware on October 13, 2026
Excellent.
Verified Review
Reviewed in Delaware on August 28, 2026
They’ve increased quite a bit since I started my insurance plan, which is why I’m probably going to switch insurance next month.
Verified Review
Reviewed in Delaware on June 8, 2026
Good but too expensive.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
While GEICO’s rates aren’t the cheapest, they’re still competitive. The company also offers an extensive list of discounts, including a good student discount, a defensive driving discount, and a military discount.
Pros
Competitive rates in Delaware
Long list of car insurance discounts
AM Best financial strength rating of A++ (Superior)
Cons
Below-average JD Power customer satisfaction rating in the Mid-Atlantic region
Only one local agent in Delaware
Gap insurance not available
Best for customer service: CSAA
| User Reviews | 4.6 |
|---|---|
| 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. | 8.5 /10 |
| 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. | $168/mo |
4.6
Best choice in DelawareBased on 3,010 verified driver reviews and ratings
CSAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.4 | 3.1 |
| Value | 4.4 | 2.9 |
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
Based on analysis of verified reviews collected by Insurify
Best in Delaware for
Showing recent national reviews
Verified Review
Reviewed in California on November 8, 2026
It’s hard to find a competitor that beats AAA.
Verified Review
Reviewed in California on October 17, 2026
It’s a lot better than anything Insurified offered me.
Verified Review
Reviewed in New York on September 24, 2026
Great claims department.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
667
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
CSAA is an AAA regional insurance company offering policies in Delaware. In addition to having some of Delaware’s lowest full-coverage rates, it also receives high marks for customer satisfaction. JD Power ranked the insurer among the top three in the Mid-Atlantic region in its U.S. Auto Insurance Study.
Pros
High JD Power customer satisfaction rating in the Mid-Atlantic region
Additional benefits with AAA membership
Low rates for drivers with poor credit
Cons
Available only to AAA members
Recent customer complaints filed with Better Business Bureau (BBB) cite poor customer service and slow claims responses
Discounts vary by state
How we chose the best companies
To identify the best car insurance companies for Delaware drivers, we evaluated 200-plus regional and national companies. We analyzed thousands of user reviews from verified Insurify customers to identify which companies provided the best overall experience, claims and customer satisfaction, and overall value. Whenever available, we considered scores and rankings from third-party organizations, such as AM Best and JD Power. We assessed multiple data points to rate affordability, coverage options, available discounts, customer satisfaction, and financial strength.
How much is car insurance in Delaware?
The average cost of car insurance in Delaware is $167 per month for liability coverage and $263 per month for full coverage.
By comparison, the national average monthly cost of car insurance is $99 for liability-only policies and $187 for full coverage.
Delaware is one of the most expensive states in the country for car insurance, according to data from the Insurance Information Institute.
In 2025, the Delaware Senate passed Concurrent Resolution No. 111. In this resolution, the Senate identified several causes for Delaware’s high car insurance costs, including:
Rising vehicle technology costs
Supply shortages
Tariffs and inflation
Rising healthcare costs
Weather-related losses
Shop for Car Insurance in Delaware
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Average car insurance quotes in Delaware cities
The following table shows average car insurance rates across several cities in Delaware:
The below rates in Delaware are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Newark | $152 | $234 |
| Dover | $153 | $229 |
Disclaimer: Table data sourced from real-time Delaware car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Delaware may vary based on the policy buyer's unique driver profile.
On-the-spot guidance from licensed insurance experts
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Britney BalkLicensed P&C Agent and Customer Service Supervisor
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Qualifications:
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
)
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
)
Anuj DesaiLicensed Property & Casualty Insurance Agent
Anuj DesaiLicensed Property & Casualty Insurance Agent
Qualifications:
Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Why you should compare car insurance quotes in Delaware
It’s a good idea to compare quotes from several companies when shopping for car insurance in Delaware. Rates can vary by insurer based on your age, vehicle, driving record, credit history, location, and other factors.
Follow the tips below to get the best insurance for your needs:
Make sure you’re looking at quotes for comparable policies, including the same coverage levels, coverage types, and deductibles.
Ensure the quote reflects all car insurance discounts you qualify for.
Consider where you get your homeowners or renters insurance. You might qualify for a bundling discount when you have multiple policies with the same insurer.
Pay attention to more than just price, including customer reviews. Read industry reports about customer satisfaction, such as the JD Power U.S. Auto Insurance Study for the Mid-Atlantic region.
Consider smaller, regional insurers.
Delaware car insurance requirements
Drivers must meet the following minimum car insurance requirements in Delaware:[3]
Mandatory coverage | Minimum requirement |
|---|---|
| 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 |
Delaware is an at-fault state that combines fault-based auto liability with mandatory personal injury protection. PIP requirements are more common in no-fault states.
Agent Tip
“Consider adding uninsured motorist coverage to your policy. About 18% of all drivers in Delaware lack insurance, and if one of them hits you, UM coverage can help you recoup at least some of your costs.”
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Britney BalkLicensed P&C Agent and Customer Service Supervisor
How to find the cheapest Delaware car insurance
Here are tips for finding cheap car insurance in Delaware:
Take a defensive driving course. Delaware law requires insurers to offer 10% off a portion of your policy for three years if you complete an approved defensive driving course. A refresher course afterward results in up to 15% off.
Ask about other discounts. You may qualify for additional discounts for paying in full, being a safe driver or good student, or opting into a usage-based insurance program.
Follow the speed limit. Delaware drivers with clean records get the lowest car insurance rates. Nearly 5% of Delaware drivers have a speeding ticket, according to Insurify data, which results in higher rates.
Pay off your car loan. While you may still want full coverage after paying off your car, you no longer have to meet lender requirements for comprehensive coverage and collision coverage. In Delaware, nearly 65% of drivers own their cars outright, per Insurify data.
Get quotes from multiple insurers. Use an online insurance marketplace to compare multiple quotes in one place.
Find Cheap Car Insurance in Delaware
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Find quotes for your driver profile
Your driving history is one of the main factors affecting the cost of car insurance in Delaware. Other factors, including your age and credit history, can also influence rates.
Check out these additional resources for more information on car insurance in Delaware:
How car insurance costs have changed in Delaware
Delaware car insurance rates steadily rose from 2021 through mid-2025, per Insurify data. But in the second half of 2025, rates started to drop.
While Insurify predicts costs will increase through the end of 2026, they should remain below their summer 2025 peak.
Delaware’s car insurance price movement is consistent with the national trend. It’s also an indicator that the Automobile Insurance Reform Task Force, established when the Delaware Senate passed Concurrent Resolution No. 111, is making a difference in the state.
Average Delaware Car Insurance Rates Over the Past Five Years
State Name | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 | 2026-09 | 2026-10 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Delaware | 2,347 | 2,374 | 2,374 | 2,389 | 2,474 | 2,497 | 2,561 | 2,545 | 2,556 | 2,576 | 2,561 | 2,595 | 2,566 | 2,573 | 2,565 | 2,573 | 2,582 | 2,599 | 2,620 | 2,650 | 2,732 | 2,721 | 2,718 | 2,731 | 2,762 | 2,753 | 2,769 | 2,769 | 2,762 | 2,793 | 2,749 | 2,780 | 2,868 | 2,874 | 2,884 | 2,865 | 2,891 | 2,913 | 2,990 | 3,073 | 3,188 | 3,228 | 3,261 | 3,283 | 3,358 | 3,374 | 3,322 | 3,284 | 3,171 | 3,125 | 3,082 | 3,038 | 3,015 | 3,026 | 3,059 | 3,066 | 3,086 | 3,124 | 3,129 | 3,135 | 3,153 |
| United States | 1,562 | 1,565 | 1,566 | 1,569 | 1,571 | 1,578 | 1,591 | 1,602 | 1,607 | 1,612 | 1,617 | 1,624 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,718 | 1,758 | 1,802 | 1,850 | 1,886 | 1,917 | 1,956 | 1,982 | 2,006 | 2,036 | 2,075 | 2,127 | 2,191 | 2,237 | 2,295 | 2,341 | 2,368 | 2,390 | 2,387 | 2,374 | 2,371 | 2,362 | 2,352 | 2,368 | 2,369 | 2,369 | 2,357 | 2,344 | 2,319 | 2,286 | 2,258 | 2,229 | 2,217 | 2,223 | 2,224 | 2,225 | 2,233 | 2,239 | 2,237 | 2,238 | 2,238 | 2,240 | 2,241 | 2,243 |
Delaware car insurance FAQs
See the answers to commonly asked questions below to learn more about car insurance in Delaware.
How much does car insurance in Delaware cost?
On average, Delaware car insurance costs $167 per month for liability coverage and $263 per month for full coverage.
What is the cheapest car insurance company in Delaware?
USAA has the cheapest car insurance in Delaware, at an average monthly rate of $70 for liability-only coverage.
Why is car insurance in Delaware so expensive?
Car insurance prices in Delaware are expensive for several reasons. These include rising repair and healthcare costs in the state, supply shortages, inflation, and weather-related losses. Delaware is the lowest-lying state in the country, according to the Delaware Climate Action Plan.[4] As a result, it faces flood risks on the coast and from increasing amounts of precipitation.
What is the cheapest company for teen drivers in Delaware?
The cheapest car insurance company for teen drivers in Delaware is USAA. Its average monthly rate for a teen driver is $122 for a state-minimum liability insurance policy.
How can you find affordable car insurance in Delaware?
To find affordable car insurance in Delaware, compare quotes from multiple insurance companies. Ask about any discounts you’re eligible for, including Delaware’s required discount for completing a defensive driving course.
Sources
- U.S. Census Bureau. "QuickFacts Delaware."
- Military State Plicy Source. "Delaware."
- Delaware.gov. "Vehicle Services Registration."
- Delaware Department of Natural Resources and Environmental Control. "December 2025 Delaware Climate Action Plan."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
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Writer: Timothy MoorePersonal Finance and Insurance Freelance Writer
Writer: Timothy MoorePersonal Finance and Insurance Freelance Writer
Qualifications:
Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Timothy has covered the insurance market for 15 years. He‘s also the editorial director of a niche travel magazine.
Editor: Becky HelzerLicensed P&C Agent, Editor
Editor: Becky HelzerLicensed P&C Agent, Editor
Qualifications:
15+ years editing experience
7+ years experience in insurance and personal finance editing
NPN: 6642281
Becky has worked as an editor at Insurify since 2024. In addition to her years of editing experience, Becky is a licensed property and casualty insurance agent.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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.