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
Photo of an Insurify author
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.

Featured in

media logomedia logo
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.

Featured in

media logo
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 HalachevVice President of Engineering
  • 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 March 1, 2024 at 11:00 AM PST

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

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.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

On average, Delaware drivers pay around $169 per month for their auto insurance coverage. That’s more than the overall national average cost of car insurance of $156.

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 $128.

  • 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 Farm4.5$123$86Cheap rates
GEICO4.2$154$107Discounts
USAA4.5$80$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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

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.
4.4
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.
$123/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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

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.
4.3
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.
$154/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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

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.
4.3
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.
$80/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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review
The 10 Best Car Insurance Companies (March 2024)

The 10 Best Car Insurance Companies (March 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

Unlock savings and discounts when you compare rates through Insurify

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $128 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.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 Monthly Quote
USAA55
State Farm86
GEICO107
National General128
Midvale Home & Auto131
Travelers132
Progressive154
Liberty Mutual160
CSAA172
Nationwide179
Allstate182
Direct Auto209
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 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 $210, but you may find lower rates from some of the insurance companies in the table below.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 Monthly Quote
USAA80
State Farm123
GEICO154
Travelers184
Midvale Home & Auto186
Progressive221
National General228
CSAA238
Liberty Mutual256
Nationwide257
Allstate262
Direct Auto317
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.

Estimate your Delaware car insurance costs

Select discounts that apply to you
Save 27%
Save 7%
Save 21%
Save 38%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

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 $65 per month for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $128 per month, but drivers with a speeding ticket face average rates of $175.

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

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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
USAA10169
State Farm152107
GEICO194135
Travelers235169
National General288162
Progressive290202
CSAA310224
Nationwide327227
Allstate329229
Liberty Mutual347217
Direct Auto416274
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 $169 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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
USAA10270
State Farm154108
GEICO196136
Travelers237170
Progressive294205
National General295166
CSAA320231
Nationwide330230
Allstate333231
Liberty Mutual352220
Direct Auto422278
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 $288 per month for full-coverage insurance, and $175 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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
USAA11780
State Farm180126
GEICO225156
Travelers269193
Progressive323225
National General333187
CSAA347251
Liberty Mutual374234
Nationwide375261
Allstate382266
Direct Auto463305
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 $92 for liability-only coverage, and $151 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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
USAA6041
State Farm8962
GEICO11479
Travelers13697
Progressive149104
CSAA172124
National General17799
Nationwide180126
Liberty Mutual196122
Allstate198137
Direct Auto229151
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 $392 per month for full coverage for Delaware teens, according to Insurify data.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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
USAA13693
State Farm216151
GEICO249173
Travelers339244
Progressive404282
CSAA408295
National General443249
Liberty Mutual446279
Nationwide451314
Allstate471327
Direct Auto591390
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 $169 per month. Drivers in the state pay $210 per month for full-coverage insurance and $128 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 4.5 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." Accessed July 31, 2023
  2. U.S. Census Bureau. "Delaware Quick Facts." Accessed July 31, 2023
  3. Insurance Information Institute. "Auto Insurance." Accessed July 27, 2023
  4. NOLO. "Delaware Car Insurance Requirements." Accessed July 27, 2023
  5. Delaware Division of Motor Vehicles. "Vehicle Services Registration." Accessed July 27, 2023
  6. Insurance Institute for Highway Safety. "Older Drivers." Accessed July 27, 2023
  7. Delaware Department of Insurance. "Understanding How Insurers Use Credit Information." Accessed July 27, 2023
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.

Featured in

media logo
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 HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all