120+ more*Quotes generated for Insurify users from Delaware within the last 10 days. Last updated on October 23, 2026. 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 October 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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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.
){kind=small}
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
Drivers in Delaware pay an average monthly premium of $214 for car insurance. That’s typically higher than the national average of $143 per month. In Delaware, liability-only coverage averages $166 per month, and full coverage costs an average of $261.
Delaware’s high population density contributes to higher premiums in the state.[1] More drivers on the road can lead to more accidents, and more accidents mean higher insurance rates.
The following table highlights rates from the most affordable insurance companies in Delaware across different driver categories, according to Insurify data.
Driver Category | Cheapest Insurance Company in DE | Cheapest Monthly Quote in DE |
|---|---|---|
| Overall | USAA | $70 |
| State-minimum coverage | USAA | $70 |
| Full coverage | USAA | $109 |
| Drivers with a clean record | USAA | $70 |
| After a speeding ticket | USAA | $85 |
| After an at-fault accident | USAA | $90 |
| After a DUI | USAA | $94 |
| Teen/new drivers | USAA | $122 |
| Seniors | USAA | $56 |
| Bad credit | USAA | $87 |
USAA offers the cheapest liability-only car insurance in Delaware. Liability insurance may not be enough coverage in a serious accident. But it’s a good option if you have an older or paid-off car you can afford to repair yourself.
Delaware requires drivers to have a minimum amount of insurance. You must have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage and $10,000 of property damage liability coverage. You also need $15,000 per person and $30,000 per accident of personal injury protection (PIP).[2]
Fines for not having minimum insurance coverage start at $1,500 for the first offense and increase to $3,000 for subsequent offenses.
The following table highlights the cheapest liability-only car insurance rates in Delaware, according to Insurify data.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $70 |
| State Farm | $109 |
| National General | $138 |
| GEICO | $147 |
| Allstate | $158 |
| Progressive | $166 |
| Travelers | $166 |
| Direct Auto | $167 |
| Root | $189 |
| Dairyland | $223 |
| Liberty Mutual | $259 |
Agent Tip: Does liability-only insurance offer enough coverage in Delaware?
“Liability-only coverage isn’t enough protection for most Delaware drivers. The state’s 25/50/10 minimum requirements aren’t usually enough to cover serious damage. For example: Let’s say you total a $40,000 car in an accident. If you have only $10,000 of property damage liability coverage, you’d have to pay the remaining $30,000 out of pocket. Increasing your coverage limits or opting for a full-coverage auto policy offers more protection in a serious accident.”
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Full-coverage car insurance in Delaware includes liability, collision, and comprehensive coverage. Collision coverage helps pay for damages to your car if you hit another car or an object, like a fence or tree.
Comprehensive coverage helps pay to repair or replace your car after a non-collision event. For example, comprehensive insurance can help cover repairs if wind from a northeaster damages your car.[3]
USAA offers the cheapest full-coverage car insurance in Delaware, at $109 per month.
The table below shows the insurers with the cheapest full-coverage premiums in Delaware, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $109 |
| CSAA | $164 |
| State Farm | $168 |
| Progressive | $211 |
| GEICO | $236 |
| Allstate | $255 |
| Travelers | $257 |
| National General | $258 |
| Root | $294 |
| Direct Auto | $310 |
| Liberty Mutual | $356 |
| Dairyland | $518 |
*Quotes generated for Insurify users from Delaware within the last 10 days. Last updated on October 23, 2026. 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 October 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance rates in Delaware are typically more expensive than the national average. This is partly due to the state’s high population density and an increase in severe weather events.
Comparing quotes from the best car insurance companies in Delaware can help you find the right insurer for you. To help narrow your search, here are our top picks for car insurance in Delaware.
| 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. | $109/mo |
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 |
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.
For a small state, Delaware has a sizable veteran and military population. Delaware is also home to the Dover Air Force Base. That makes USAA a great choice for Delaware drivers. The company offers military-specific benefits and affordable rates.
USAA also has two safe-driving programs, SafePilot and SafePilot Miles, which can help you save up to 30% on your premiums.
Low premiums in Delaware
Above-average claims satisfaction
Military-focused benefits and discounts
Available only to military members and their families
Low Trustpilot rating
Above-average number of customer complaints
| 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. | $109/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 |
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 |
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.
If you value face-to-face service, State Farm has local insurance agents throughout Delaware. From Wilmington to Dover, you can meet with a local agent who can help you find the right insurance for you. State Farm also scores above average for customer and claims satisfaction.
Many available coverage options
Competitive rates in Delaware
Above-average claims satisfaction
Low Trustpilot rating
Gap coverage not available
Accident forgiveness not available
| User Reviews | 3.8 |
|---|---|
| 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. | 7 /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. | $138/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. | $258/mo |
National General's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.4 | 2.9 |
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
If you’re one of the 5% of Delaware drivers with a recent ticket, you can likely find reasonable rates with National General. National General offers car insurance for a wide range of drivers, including people with a spotty driving record. Plus, you can save with discounts for bundling policies, insuring multiple vehicles, and paying your bill in full.
Lifetime repair guarantee
Large network of independent agents
24-hour claims processing
Below-average claims satisfaction rating
Higher-than-average number of customer complaints
Low Trustpilot rating
Delaware car insurance premiums are projected to increase 1% by the end of 2026, bringing the annual average car insurance premium in the state to $3,009, according to an Insurify report.
In June 2025, the Delaware State Senate introduced legislation to examine rising auto insurance rates. Data shows that more frequent severe weather events are driving up insurance rates.[4]
The following graph shows how car insurance rates in Delaware have changed over the last five years, according to Insurify data.
State Name | 2021-09 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Delaware | 2,301 | 2,299 | 2,360 | 2,357 | 2,362 | 2,448 | 2,479 | 2,539 | 2,536 | 2,531 | 2,559 | 2,545 | 2,567 | 2,550 | 2,557 | 2,551 | 2,558 | 2,572 | 2,580 | 2,597 | 2,632 | 2,710 | 2,690 | 2,718 | 2,729 | 2,759 | 2,745 | 2,763 | 2,769 | 2,754 | 2,788 | 2,744 | 2,778 | 2,869 | 2,873 | 2,884 | 2,871 | 2,902 | 2,924 | 2,990 | 3,073 | 3,187 | 3,232 | 3,261 | 3,285 | 3,357 | 3,376 | 3,326 | 3,284 | 3,172 | 3,120 | 3,078 | 3,034 | 3,013 | 3,025 | 3,059 | 3,069 | 3,089 | 3,126 | 3,131 | 3,139 |
| United States | 1,557 | 1,562 | 1,565 | 1,566 | 1,569 | 1,571 | 1,578 | 1,591 | 1,602 | 1,607 | 1,613 | 1,617 | 1,624 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,718 | 1,758 | 1,803 | 1,850 | 1,887 | 1,919 | 1,956 | 1,982 | 2,006 | 2,036 | 2,076 | 2,127 | 2,194 | 2,238 | 2,298 | 2,341 | 2,368 | 2,391 | 2,387 | 2,375 | 2,371 | 2,363 | 2,352 | 2,368 | 2,369 | 2,368 | 2,357 | 2,343 | 2,318 | 2,286 | 2,258 | 2,229 | 2,216 | 2,223 | 2,223 | 2,225 | 2,233 | 2,238 | 2,237 | 2,238 | 2,239 | 2,241 | 2,242 |
Find the best coverage in Delaware, starting at $70 per month
Delaware requires all registered vehicles to have minimum liability insurance. Minimum liability coverage in Delaware includes bodily injury liability, property damage liability, and personal injury protection (PIP). The table below shows Delaware’s required minimum limits.
Type of Coverage | Delaware Requirement |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $10,000 per accident |
| Personal injury protection | $15,000 per person / $30,000 per accident |
You can face fines of $1,500 for the first offense and $3,000 for subsequent offenses for driving without insurance in Delaware. The state can also suspend your driver’s license for six months.
Car insurance rates in Delaware can vary from city to city. Larger cities, like Dover and Newark, have more traffic congestion and accidents. Big cities tend to have higher insurance rates than smaller towns with fewer people.
The following table shows the average monthly rates across cities in Delaware, according to Insurify.
Drivers with a clean record in Delaware pay an average of $214 per month for car insurance. Insurers typically charge lower rates for drivers with clean records because they’re less likely to cause an accident and file a claim.
The following table shows the cheapest liability rates in Delaware for people with a clean driving record and good credit, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $66 |
| State Farm | $102 |
| National General | $122 |
| GEICO | $143 |
| Travelers | $154 |
| Direct Auto | $154 |
| Allstate | $154 |
| Progressive | $162 |
| Root | $182 |
| Dairyland | $206 |
| Liberty Mutual | $261 |
Almost 5% of Delaware drivers have a recent speeding ticket, Insurify data shows. Fines for speeding in Delaware range from $110 to $170, depending on how fast you were going.[5] Speeding tickets also put two to six points on your license, which stay on your record for two years.
Delaware drivers with a recent ticket pay an average of $239 per month for car insurance.
The table below highlights the most affordable car insurance companies for Delaware drivers with a speeding ticket, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $85 |
| State Farm | $130 |
| National General | $163 |
| Allstate | $177 |
| GEICO | $183 |
| Progressive | $186 |
| Direct Auto | $199 |
| Travelers | $203 |
| Root | $212 |
| Dairyland | $261 |
| Liberty Mutual | $311 |
Almost 5% of Delaware drivers have been in a recent accident, Insurify data shows, which typically means higher insurance rates. If you cause an accident in Delaware that injures someone, you must immediately report it to the police. If you don’t, you could be fined up to $3,000 and face jail time.
On average, drivers with a recent at-fault accident pay $258 per month for auto insurance in Delaware.
The following table highlights the cheapest rates for Delaware drivers with an at-fault accident, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $90 |
| State Farm | $139 |
| National General | $176 |
| GEICO | $187 |
| Allstate | $191 |
| Progressive | $200 |
| Travelers | $216 |
| Direct Auto | $219 |
| Root | $226 |
| Dairyland | $281 |
| Liberty Mutual | $330 |
Fewer than 1% of Delaware drivers have a driving under the influence (DUI) conviction, according to Insurify data. The consequences for driving under the influence in Delaware are serious, including steep fines, the loss of your license, mandatory counseling, and possible jail time.[6] You can also expect your insurance rates to increase significantly.
Delaware drivers with a recent DUI pay an average of $266 per month for car insurance. The following table shows some of the cheapest DUI liability-only car insurance quotes, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $94 |
| State Farm | $146 |
| National General | $185 |
| Allstate | $196 |
| GEICO | $198 |
| Progressive | $206 |
| Travelers | $222 |
| Direct Auto | $223 |
| Root | $253 |
| Dairyland | $298 |
| Liberty Mutual | $346 |
Compare quotes and get affordable coverage, even with a less-than-perfect record
In Delaware, teens can apply for a learner’s permit at 16 years old and get their license at 17. Delaware has a graduated driver licensing (GDL) program that provides teen drivers with additional supervision and reduced exposure to high-risk driving situations.[7] The GDL program’s goal is to reduce the high accident rate among young drivers.
Due to their lack of experience and increased risk, teens pay some of the highest insurance rates. The average cost for teen coverage in Delaware is $362 per month.
The table below lists some of the cheapest rates for teen drivers in Delaware, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $122 |
| State Farm | $202 |
| GEICO | $255 |
| National General | $262 |
| Allstate | $267 |
| Root | $272 |
| Progressive | $281 |
| Direct Auto | $313 |
| Travelers | $330 |
| Dairyland | $368 |
| Liberty Mutual | $434 |
Delaware has a significant senior population, with 22% of residents aged 65 or older.[8] Seniors are among the safest drivers, which is why they often pay the lowest car insurance rates — a liability policy for Delaware seniors averages $139 per month.
Below are some of the cheapest quotes for senior drivers in Delaware.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $56 |
| State Farm | $84 |
| National General | $107 |
| GEICO | $115 |
| Travelers | $131 |
| Allstate | $133 |
| Direct Auto | $134 |
| Progressive | $139 |
| Root | $172 |
| Dairyland | $186 |
| Liberty Mutual | $211 |
Delaware allows insurers to use your credit history to determine your auto insurance rates, but with certain restrictions. Insurers can’t base decisions about your premiums or renewals solely on your credit history. They have to consider other factors, too.[9]
Good credit can help reduce your premiums, while poor credit can increase your rates. Car insurance rates for drivers in Delaware with poor credit average $268 per month.
The following table shows the cheapest rates for Delaware drivers with poor credit, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $87 |
| State Farm | $159 |
| National General | $171 |
| GEICO | $173 |
| Travelers | $197 |
| Allstate | $198 |
| Direct Auto | $206 |
| Progressive | $208 |
| Root | $234 |
| Dairyland | $276 |
| Liberty Mutual | $310 |
Compare quotes from the state’s top insurers
Below, we answer some of the most common questions about car insurance in Delaware.
Delaware requires drivers to have at least 25/50/10 liability coverage. That means you need a minimum of $25,000 per person and $50,000 per accident of bodily injury liability and $10,000 of property damage liability. You must also have at least $15,000 per person and $30,000 per accident of personal injury protection (PIP).
Car insurance in Delaware costs an average of $214 per month, according to Insurify data. Liability-only coverage costs an average of $166 per month, while full coverage averages $261 per month.
USAA has the cheapest car insurance in Delaware, with liability rates of $70 per month, according to Insurify data. But your rates can vary based on many factors, including your age, ZIP code, and the car you drive.
Yes. Delaware requires drivers to have personal injury protection (PIP), also known as “no-fault” coverage. PIP can help pay for your medical expenses in an accident, regardless of fault. Still, similar to an at-fault state, Delaware drivers can sue the at-fault driver for damages.
USAA, State Farm, and National General are some of Insurify’s top picks for car insurance in Delaware. But the best insurer for you depends on your needs and budget.
You have a few ways to save on car insurance in Delaware. Comparing quotes from multiple insurers can help you find the cheapest rate. You can also look for discounts, increase your deductible, and maintain a clean driving history.
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:
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7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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.
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.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
