Cheapest Auto Insurance in Delaware (2024)

USAA offers the cheapest car insurance in the First State, starting at $55 per month for a liability policy.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 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.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 June 16, 2024

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Cheapest recent rates in Delaware

Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $82/mo for full coverage in Delaware.

*Quotes generated for Insurify users from Delaware within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Delaware within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

On average, Delaware drivers pay around $171 per month for their auto insurance coverage. That’s more than the overall national average cost of car insurance of $160.

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. A comparatively high accident rate, costs of repair, and medical care costs also affect Delaware’s insurance premiums.

However, you can still find affordable car insurance in the First State. Here’s what you need to know about car insurance in Delaware.

Quick Facts
  • The average monthly cost for liability-only auto coverage in Delaware is $131.

  • Delaware had 165 traffic fatalities in 2022 and 77 as of July 2023.[1]

  • Drivers with poor credit may pay twice as much for Delaware car insurance.

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. State Farm is good for almost all drivers, offering cheap rates and a variety of coverages. GEICO is great for commuters and drivers looking for discounts. Veterans represent more than 6% of Delaware’s population,[2] and they may find that USAA is easily the top choice for veterans, active-duty military members, and their families. 

But many factors help determine how much you’ll pay for car insurance, so the cheapest policy may not always be the best one for your needs.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$126$86Cheap rates
GEICO4.4$158$107Discounts
USAA4.7$82$55Military members
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
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.
$86/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.
$126/mo

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.

Pros
  • Exclusive agents in 24 Delaware cities

  • Above-average J.D. Power customer service rating

  • Many coverage types to personalize policy

Cons
  • Doesn’t offer gap insurance

  • Online policy purchasing not available

  • High-risk drivers pay higher rates

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
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.
$107/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.
$158/mo

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.

Pros
  • Competitive rates for Delaware commuters

  • Variety of discounts

  • Mobile app has excellent customer ratings

Cons
  • Below-average J.D. Power customer satisfaction rating for Mid-Atlantic insurers

  • Gap insurance not available

  • Minimal local agents only available in Wilmington

Read our GEICO review
Joseph J - June 16, 2024
Verified

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

David - June 16, 2024
Verified

GEICO's Rates are Too High

The premiums have increased astronomically.

Cynthia - June 16, 2024
Verified

Poor Service

Stay away from this disorganized, greedy, and rarely available company.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
881
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.
$55/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.
$82/mo

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.

Pros
  • Lowest liability coverage rates in Delaware

  • Exceptional J.D. Power customer service rating

  • Offers usage-based insurance

Cons
  • Limited to military members, veterans, spouses, and children

  • No physical locations in Delaware

  • Fewer coverage options than other insurers

Read our USAA review
Gerald - June 16, 2024
Verified

Unhappy

They keep raising the price.

Gerald - June 16, 2024
Verified

My Insurance Rates Have Gotten Very High

They are quick to raise their rates.

Kenneth - June 15, 2024
Verified

Not Good

They're not too good at relating to customers.
7 Best Car Insurance Companies (June 2024)

7 Best Car Insurance Companies (June 2024)

How to get the cheapest car insurance in Delaware

Your auto insurance quotes come from careful consideration of many factors. Insurers look at your driving record, age and experience, vehicle type, location, deductible and coverage limits, credit history, annual mileage, and insurance history.

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.

Find Cheap Car Insurance in Delaware

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Cheapest liability-only car insurance in Delaware: USAA

Liability-only car insurance is a type of coverage that 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 own vehicle.[3] 

In Delaware, the 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.

On average, liability insurance in Delaware costs $131 per month. But drivers with violations on their motor vehicle records pay more.

The following table shows the lowest liability rates from top insurers offering coverage in Delaware.

10 cheapest insurers for liability-only

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.

Cheapest full-coverage car insurance 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 $211, but you may find lower rates from some of the insurance companies in the table below.

10 cheapest insurers for full coverage

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.

Cheapest recent rates in Delaware

Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $82/mo for full coverage in Delaware.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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.[4]

Here are the minimum coverages, according to the Delaware Division of Motor Vehicles:[5] 

CoverageMinimum 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

The Delaware Department of Insurance recognizes that the minimum amounts might not be enough to protect you. Besides increasing your coverage limits, you can purchase additional optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    This covers the cost of damages from collisions with vehicles or other objects such as a tree, fence, or light pole. Collision also covers rollover accidents.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    This 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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This 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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing coverage/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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    This helps pay for the cost of renting a car after an accident while your vehicle is in the repair shop.

Cheapest car insurance for drivers with an incident

A speeding ticket, at-fault accident, and DUI are types of incidents that can hurt your driving record. In Delaware, the effect on your car insurance premiums can vary. Still, even the cheapest car insurance companies can increase rates after an incident. You’ll need a clean driving record for at least three years to qualify for the lowest rates.

Shop for Cheap Car Insurance in Delaware

Rates start as low as $67 per month for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: USAA

Insurers consider speeding a risky behavior that increases the likelihood of accidents. Companies can raise premiums to offset the potential cost of covering future claims. However, not all insurance companies treat speeding tickets equally. The actual increase in rates varies depending on the insurance company.

Some Delaware insurance companies may be more forgiving and offer more lenient rates for drivers with speeding tickets, while others may raise premiums significantly. For example, Delawares average cost of a liability-only policy for drivers with a clean record is $131 per month, but drivers with a speeding ticket face average rates of $183.

The table below shows some of the cheapest options for Delaware drivers with speeding tickets.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA$105$70
State Farm$160$109
GEICO$202$137
Travelers$252$170
Midvale Home & Auto$256$182
National General$278$160
CSAA$287$200
Progressive$291$196
Nationwide$341$231
Allstate$344$233
Root$350$227
Direct Auto$373$217
Liberty Mutual$375$229
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.

Cheapest car insurance for drivers with an at-fault accident: USAA

Like speeding tickets, at-fault accidents indicate increased risk and can lead to insurance companies charging higher premiums. Keep in mind that the effect on your car insurance bill can vary. If you have optional accident forgiveness coverage, your rates wont increase at all following your first at-fault accident. But youll generally need to have three to five years with a clean driving record before you can qualify for this coverage.

When determining rates after an accident, insurance companies consider frequency and severity. Drivers with multiple at-fault accidents or accidents resulting in severe damage or injuries may face greater rate hikes than those with a single minor at-fault accident. The average monthly rate for a liability policy in Delaware increases to $183 following an accident. Below, you can get an idea of the rates top insurer offer to Delaware drivers who have accidents on their records.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA$108$72
State Farm$165$113
GEICO$209$141
Travelers$258$175
Midvale Home & Auto$269$191
National General$292$168
CSAA$301$210
Progressive$304$205
Nationwide$351$238
Allstate$354$240
Root$360$234
Liberty Mutual$382$233
Direct Auto$389$226
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.

Cheapest car insurance for drivers with a DUI: USAA

A DUI is a serious offense that can have long-term implications on car insurance quotes.

“When a driver gets a major violation such as DUI, their insurance rates increase significantly due to the high risk and potential future losses,” says Nick Schrader of Texas General Insurance.

Keep in mind that not all insurers will offer coverage once you have a record of driving under the influence.

On average, Delaware drivers with a DUI on their motor vehicle records pay $337 per month for full-coverage insurance, and $209 for liability.

If you’re struggling to find an insurer to sell you a policy, you may need to look into the Delaware Automobile Insurance Plan (DAIP). It’s a last resort, and you must apply for coverage through a DAIP-certified agent. The following table provides insight into what top insurers charge Delaware drivers who have DUI convictions.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA$135$90
State Farm$207$141
GEICO$259$176
Midvale Home & Auto$317$225
Travelers$320$217
CSAA$358$249
National General$364$210
Progressive$373$251
Root$422$274
Nationwide$433$294
Liberty Mutual$435$266
Allstate$442$299
Direct Auto$474$276
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.

Cheapest car insurance for seniors: USAA

Car insurance rates tend to decrease around age 25.

“As an operator gets more experience, their rates go down each year because they are less likely to get into an accident,” says Schrader.

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.[6]

On average, car insurance for senior drivers costs $99 for liability-only coverage, and $159 per month for full coverage. The following table shows the rates top insurers offer senior drivers in Delaware.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA$62$42
State Farm$93$64
GEICO$120$81
Midvale Home & Auto$140$100
Travelers$146$99
Progressive$155$104
CSAA$162$113
National General$170$98
Nationwide$188$128
Liberty Mutual$201$123
Root$202$131
Allstate$207$140
Direct Auto$213$124
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.

Cheapest car insurance for teens: USAA

Insurance companies see teenage drivers as high-risk due to their lack of experience and high accident rates. Most companies charge teens more expensive premiums to account for that risk. But you can still get affordable coverage with a few strategies.

Teens can qualify for lower premiums by staying on their parents’ policy. Young drivers in Delaware can also keep car insurance costs down by choosing a car with an excellent safety rating. Students may benefit from good student discounts or student-away-at-school discounts. Insurers may require teens to maintain a certain grade point average, so check with your insurance agent about eligibility.

Car insurance averages $400 per month for full coverage for Delaware teens, according to Insurify data.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA$140$94
State Farm$219$150
GEICO$256$173
Midvale Home & Auto$344$245
Travelers$360$244
CSAA$368$257
Root$405$263
Progressive$421$284
National General$429$247
Nationwide$463$314
Allstate$483$327
Liberty Mutual$504$308
Direct Auto$541$314
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 quotes by credit tier

Insurers in Delaware can use credit history to generate a credit-based insurance score that they then use when setting car insurance rates. Federal law doesn’t require your permission before an insurer looks at your credit information.[7]

A good credit score could cut your rate in half — drivers with excellent or good credit scores pay less than half as much for car insurance than someone with a poor credit score.

Rates by Credit Tier

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

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.

  • How much is car insurance in Delaware?

    Car insurance in Delaware costs an overall average of $171 per month. Drivers in the state pay $211 per month for full-coverage insurance and $131 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.

  • What company has the cheapest car insurance rates in Delaware?

    USAA offers the cheapest liability-only coverage in Delaware, starting at $55 per month. Delaware drivers can also find savings with State Farm and GEICO, which have monthly liability-only rates of $86 and $107, respectively.

  • What are the best car insurance companies in Delaware?

    With an Insurify Quality (IQ) Score of 4.6 out of 5 and an AM Best financial strength rating of A++ (Excellent), State Farm is the best car insurance company in Delaware. Of the companies Insurify has rate data for, other top Delaware auto insurers include USAA, GEICO, Liberty Mutual, and Allstate.

  • Is Delaware a no-fault state?

    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.

  • Is it illegal to drive without insurance in Delaware?

    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.

Insurify Insights

How Delaware Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Delaware below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Delaware drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in Delaware

#29

State with the Most Speeding Tickets Rank

#38

State with the Moving Violations Rank

#48

State with the Most DUIs Rank

#48

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Delaware is the #39 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #39
    • Percent of drivers in Delaware with an accident: 7.5%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Delaware is the #48 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #48
    • Percent of drivers in Delaware with a DUI: 0.7%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Delaware is the #22 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #22
    • Percent of drivers in Delaware with a reckless driving offense: 1.4%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Delaware is the #22 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #22
    • Percent of drivers in Delaware with a rude driving violation: 1.6%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Delaware is the #29 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #29
    • Percent of drivers in Delaware with a speeding ticket: 8%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Delaware is the #27 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #27
    • Percent of drivers in Delaware with a failure to yield violation: 0.1%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Delaware Department of Transportation. "Traffic Related Fatalities."
  2. U.S. Census Bureau. "Delaware Quick Facts."
  3. Insurance Information Institute. "Auto Insurance."
  4. NOLO. "Delaware Car Insurance Requirements."
  5. Delaware Division of Motor Vehicles. "Vehicle Services Registration."
  6. Insurance Institute for Highway Safety. "Older Drivers."
  7. Delaware Department of Insurance. "Understanding How Insurers Use Credit Information."
Amy Beardsley
Amy BeardsleyInsurance Writer

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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

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