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On average, car insurance rates for drivers in Delaware are $306 per month, and $3668 per year. The average rates make Delaware the 10th most expensive state in the country for car insurance rates and 27% more expensive than the national average.
Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.
Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.
Insurify analyzed car insurance rates in the twenty most populous cities in Delaware and has selected the following providers and quotes as the best rates for drivers in Delaware.
| Cheapest Companies | |
|---|---|
Progressive | $60/mo |
 State Farm | $120/mo |
 Nationwide | $160/mo |
 Allstate | $165/mo |
 Travelers | $189/mo |
| City | |
|---|---|
| Bear | $295 |
| Claymont | $280 |
| Dover | $262 |
| Middletown | $266 |
| Millsboro | $199 |
| New Castle | $320 |
| Newark | $279 |
| Seaford | $256 |
| Smyrna | $290 |
| Wilmington | $315 |
Teens who get behind the wheel in Delaware pay a steep price for insurance: a whopping $690 per month on average. Thankfully, the rates go down dramatically as you become a young adult, with drivers in their 20s paying an average of $360 per month.
Older drivers in Connecticut can expect to pay even less for car insurance, with drivers in their 30s paying $306 per month and drivers in their 40s paying $281. Average rates continue to go down as you age, with drivers in their 60s, 70s, and over 80 paying $230 or less on average.
| Age | |
|---|---|
| Teens | $690 |
| 20s | $360 |
| 30s | $306 |
| 40s | $281 |
| 50s | $253 |
| 60s | $222 |
| 70s | $226 |
| >80s | $230 |
Men in Delaware will, on average, pay a bit more for car insurance than women. On average, men pay $324 per month, while women pay $290 per month.
| Gender | |
|---|---|
| Male | $324 |
| Female | $290 |
When a Delaware driver gets married, they can expect a nice bonus alongside that wedding ring: cheaper car insurance. On average, married drivers pay $53 less on their car insurance.
Overall, married Delaware drivers pay $267 per month, which is $39 below the state average. Meanwhile, single Delaware drivers pay $14 more than the state average on car insurance, at $320 per month.
| Marital Status | |
|---|---|
| Married | $267 |
| Single | $320 |
In Delaware, drivers must have a minimum of $25,000 in bodily injury liability per person and $50,000 per accident. For property damage, drivers must have at least $10,000 in property damage liability per accident.
Delaware drivers are also required by the state to have personal injury protection (PIP) insurance. This includes $15,000 in PIP per person and $30,000 per accident.
Delaware allows car insurance companies to consider your credit score when determining your car insurance rates. That’s why it makes sense that Delaware drivers with an excellent credit history pay the least for car insurance on average ($239 per month), while those with a poor credit history pay a higher rate ($298 per month).
Those with an average or good credit history pay even more, at $318 per month and $320 per month, respectively.
| Credit History | |
|---|---|
| Poor | $298 |
| Average | $318 |
| Good | $320 |
| Excellent | $239 |
"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?
Drivers with a speeding ticket in Delaware should expect their monthly rate to increase marginally —plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $15. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.
| Driving History | |
|---|---|
| No Violation | $301 |
| At-Fault Accident | $316 |
| Speeding | $261 |
Car insurance rates can vary widely between car insurance companies. And with several carriers offering their services all over Delaware, drivers in the Diamond State will want to make sure they’re comparing rates so that they can find a policy that fits their needs and budget.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, 10+ free car insurance quotes are just a few clicks away, setting you on the path to lower premiums.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
