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Delaware Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

How Much Does Car Insurance Cost In Delaware?

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.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $30650%

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.

Best Delaware Auto Insurance Rates

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 CompaniesQuotes
Progressive$60
State Farm$120
Nationwide$160
Allstate$165
Travelers$189

Delaware Car Insurance Rates by City

For drivers in Delaware, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Delaware.

CityAvg. Monthly Rate
Bear$295
Claymont$280
Dover$262
Middletown$266
Millsboro$199
New Castle$320
Newark$279
Seaford$256
Smyrna$290
Wilmington$315

What Is the Average Cost of Car Insurance in Delaware by Age?

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.

AgeAvg. Monthly Rate
Teens$690
20s$360
30s$306
40s$281
50s$253
60s$222
70s$226
>80s$230

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What Is the Average Cost of Car Insurance in Delaware by Gender?

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.

GenderAvg. Monthly Rate
Male$324
Female$290

Does Marital Status Influence the Average Cost of Car Insurance in Delaware?

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 StatusAvg. Monthly Rate
Married$267
Single$320

Minimum Car Insurance Requirements in Delaware

All motor vehicles operated or parked on Delaware roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Delaware[1] are:

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

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Delaware is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $15,000 per person for PIP
  • $30,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

How Does Credit History Affect Delaware Car Insurance Rates?

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 HistoryAvg. Monthly Rate
Poor$298
Average$318
Good$320
Excellent$239

What Is the Average Cost of Car Insurance in Delaware for High-Risk Drivers?

"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 HistoryAvg. Monthly Rate
No Violation$301
At-Fault Accident$316
Speeding$261

Tips for Researching Delaware Car Insurance Rates

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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Delaware Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Delaware. 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.

  • The way to find the carrier with the best auto insurance ratings in Delaware and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

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.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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Sources

  1. Delaware Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022