Cheap Auto Insurance Quotes in Delaware (2021)

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Save More Gold in the Diamond State

You know about Fighting Blue Hens, Blue Rocks, and colonial blue, but after reading this, your new favorite color might be green.

The Apple-Scrapple Festival, Punkin Chunkin, and a State Fair that draws a third of the population: Delawareans know how to have a good time. 

With a state that’s not more than 35 miles wide, you’re only a short drive away from the sand on your toes and soft-shell crabs on your plate. But before you roll out on Dupont tires like Jimmie Johnson, are you getting a price prettier than a peach blossom on your car insurance?

Cheapest Car Insurance in Delaware

Here are the cheapest carriers in Delaware for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Delaware.

Best Car Insurance in Delaware

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Delaware. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Delaware

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Delaware to find you the cheapest quotes in each of these metropolitan areas.

Wilmington is home to just above 70,000 people, but it's still the most populous city in Delaware. From this city, you can drive to Philadelphia, Baltimore, Lancaster, and Atlantic City, all in under two hours.

Quotes by Top Carriers
Quotes ($/mo)
$212
$283
$295
$307
$311
State FarmThe GeneralNationwideTravelersAmerican Family
Monthly $
CityCheapest Carrier
State FarmState Farm
$212/mo
State FarmState Farm
$120/mo
State FarmState Farm
$141/mo
NationwideNationwide
$217/mo
AllstateAllstate
$165/mo
American FamilyAmerican Family
$228/mo
State FarmState Farm
$128/mo
TravelersTravelers
$189/mo
Progressive
$73/mo
Progressive
$60/mo
Progressive
$60/mo
Midvale Home & AutoMidvale Home & Auto
$213/mo

Cheapest Liability Auto Insurance in Delaware

For drivers in Delaware, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Delaware. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Delaware.

Cheapest Full Coverage Auto Insurance in Delaware

For drivers in Delaware, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Delaware. The following are the best insurance rates from carriers that offer full coverage auto insurance in Delaware.

Delaware Driving Facts

delaware

Minimum Car Insurance Requirements in DE

The state of Delaware requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Delaware are:

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

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Delaware state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in Delaware are:

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Delaware requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

The minimum personal injury protection (PIP) insurance requirements in Delaware are:

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

Delaware is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. Delaware PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The minimum coverage limits Delaware state law requires is $15,000 for a single person expense and $30,000 for the expenses of multiple persons.

Cheapest Car Insurance Quotes in Delaware by Profile

Here are the cheapest insurance companies in Delaware based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Delaware drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Delaware, at $60 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
Progressive
$60/mo
State Farm
$120/mo
Nationwide
$160/mo
Allstate
$165/mo
Travelers
$189/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
USAA
$38/mo
Travelers
$82/mo
Progressive
$87/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
USAA
$22/mo
Donegal Mutual
$34/mo
Travelers
$46/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
USAA
$26/mo
GEICO
$62/mo
National Grange
$65/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Delaware, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $26 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Delaware 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Delawareans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
USAA
$26/mo
GEICO
$62/mo
National Grange
$65/mo

SR‌-22 Insurance in Delaware

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Delaware on your behalf.

DE DMV Information

The Delaware Division of Motor Vehicles (DMV) has four locations with two in New Castle County, one in Kent County, and one in Sussex County. Hours are 8:00 AM to 4:30 PM on weekdays except for Wednesday, which is 12:00 PM to 8:00 PM. The DMV is walk-in friendly, but you must schedule an appointment for driver license road tests. The online portal lets you skip the drive and amongst other services you can:

  • File a change of address
  • Order special plates
  • Pay uninsured motorist fees
  • Purchase your driving record
  • Renew your driver’s license, ID, or vehicle registration
  • Schedule a road test
  • Sign up as an organ donor

Insurify Insights: How Delaware Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Delaware drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Delaware

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. Among all fifty states, Delaware drivers rank 32 in the number of car accidents per driver.

  • Rank of States: #32
  • Percent of drivers in Delaware with an accident: 9.66%
  • Drivers in DE with an accident in their driving history paid on average 23.6% more than drivers with a clean record

Speeding Delaware

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Delaware drivers rank 22 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #22
  • Percent of drivers in Delaware with a speeding ticket: 10.67%
  • Drivers in DE with a speeding ticket in their driving history paid on average 19.48% more than drivers with a clean record

DUI/DWIs Delaware

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Delaware drivers rank 47 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #47
  • Percent of drivers in Delaware with a DUI: 1.24%
  • Drivers in DE with a DUI in their driving history paid on average 4.87% more than drivers with a clean record

Most Popular Vehicle Delaware

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Delaware is the Nissan Altima.

Rude Delaware

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Delaware drivers rank 16 in rude driving infractions.

  • Rank of States: #16
  • Percent of drivers in Delaware with a reckless driving violation: 2.12%
  • Drivers in DE with a reckless driving violation in their driving history paid on average 11.24% more than drivers with a clean record.

Safest Drivers Delaware

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Delaware drivers rank 21 in clean driving records across all fifty states.

  • Rank of States: #21
  • Percent of drivers in Delaware with clean record: 80.87%

Street Racing Delaware

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Delaware drivers rank 39 in street racing violations per driver.

  • Rank of States: #39
  • Percent of drivers in Delaware with a street racing violation: --%

Failure to Yield the Right of Way Delaware

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Delaware drivers rank 38 in failure to yield violations per driver across all fifty states.

  • Rank of States: #38
  • Percent of drivers in Delaware with a failure to yield violation: 0.28%
  • Drivers in DE with a failure to yield violation in their driving history paid on average 12.73% more than drivers with a clean record

Reckless Drivers Delaware

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. Among all fifty states, Delaware drivers rank 13 in the number of reckless driving offenses per driver.

  • Rank of States: #13
  • Percent of drivers in Delaware with a reckless driving offense: 0.18%

Hybrid/Electric Vehicle Ownership Delaware

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Delaware drivers rank 34 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #34
  • Percent of drivers in Delaware with a hybrid/electric vehicle: 0.68%

Greenest Cities in Delaware

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Delaware offers many green driver incentives, including federal tax credit, rideshare incentives, rebates, and discounts through some car insurance carriers.

Greenes Cities

Middletown

Greenes Cities
% of Hybrids / Electrics
3%
Most Patriotic City

Most Patriotic City

Newark

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Dover won Insurify's Most Patriotic Cities Award for the state of Delaware. One of Dover's main employers is the Dover Air Force Base, located in the southeast area of the city.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Delaware is vital for all car insurance shoppers hitting the road in The First State.

road with cars illustration

Road Rankings

6%Rural Roads in
Poor Condition

#22
Ranked

6%Structurally Deficient
Rural Bridges

#13
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#15
Ranked


FAQs - Delaware Car Insurance

What happens if I get caught driving uninsured in Delaware?

The penalties in Delaware can be harsh. You can be fined between $1,500 and $4,000. Your driving privileges will be suspended for six months. You also must submit an FR-19 filing.

How is fault assigned after a car accident in Delaware?

Delaware is a no-fault state. That means that your own insurance company pays for damages regardless of fault or who caused the accident. You can still sue for non-monetary damages or “pain and suffering” beyond your PIP limits.

Can I drive legally in Delaware if I am undocumented?

In June 2015, Senate Bill 59 passed, allowing you to drive legally in Delaware if you’re undocumented. You must apply for a Driving Privilege Card (DPC), which requires you to submit fingerprints, prove your name, date of birth, and residency. You must also pass the vision screening and licensing tests.

Who has the cheapest car insurance in Delaware?

The best way to find the cheapest car insurance for Delaware drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.