How Much Does Car Insurance Cost In Delaware?

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Average Cost of Car Insurance 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 then 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.

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

Progressive

$60/mo
state-farm

State Farm

$120/mo
nationwide

Nationwide

$160/mo
allstate

Allstate

$165/mo
travelers

Travelers

$189/mo

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

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

What Are the Minimum Car Insurance Requirements in Delaware?

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

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.

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FAQs - Delaware Car Insurance

Why is car insurance so expensive in Delaware?

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.

Do car insurance rates vary by county in Delaware?

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.

Which providers have the best auto insurance ratings in Delaware?

'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.'

How much do annual auto insurance rates increase in Delaware?

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.