How Much Is Car Insurance in Delaware? (2026)

How much is car insurance in Delaware?

Full-coverage car insurance in Delaware costs an average of $263 per month, or $3,153 annually. Liability-only coverage averages $167 per month, or $1,999 annually.

Both full-coverage and liability-only insurance cost more in Delaware than the national monthly averages of $187 and $99, respectively.

Delaware’s auto insurance rates are among the highest in the nation, according to Insurify data. Rates are higher in Delaware than in Pennsylvania, which has a lower accident fatality rate, according to the Insurance Institute for Highway Safety.

Meanwhile, Delaware drivers pay less for insurance than those in New Jersey and Maryland.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$167	$1,999
Full coverage	$263	$3,153

Disclaimer: Table data is based on real-time Delaware quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Minimum car insurance requirements in Delaware

To meet Delaware’s car insurance requirements, you must carry $25,000 per person and $50,000 per accident for bodily injuries you cause in a crash, plus $10,000 for property damage.^[1]

Delaware also requires personal injury protection (PIP), with a minimum of $15,000 per person and $30,000 per accident. This coverage pays for your medical expenses and lost wages, no matter who caused the accident.

Coverage Type	Delaware Minimum Requirement
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

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Cheapest car insurance companies in Delaware

The companies below offer the cheapest car insurance in Delaware for liability-only coverage. Minimum-coverage policies cost less because they don’t pay to repair or replace your vehicle.

Delaware insurers must file rate changes with the state insurance commissioner for review. These rate changes could affect which company offers you the lowest price.

Review your coverage and compare quotes with several insurers at least once each year to ensure you’re not overpaying. Before you make a switch, check customer satisfaction ratings, such as JD Power scores.

The below rates in Delaware are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
USAA	$70
State Farm	$108
National General	$139
GEICO	$148
Allstate	$158
Travelers	$166
Direct Auto	$168
Progressive	$168
Root	$190
Dairyland	$224
Liberty Mutual	$260

Disclaimer: Table data sourced from real-time Delaware car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Delaware may vary based on the policy buyer's unique driver profile.

Average Delaware car insurance rates by city

Your location in Delaware, whether it’s Middletown, Milford, or Millsboro, can affect your car insurance rates. Insurers often factor in local traffic patterns, weather risks, and commute times.

In Dover and Newark, costs are about the same. Dover drivers pay an average of $191 per month, while Newark drivers pay about $193 per month for coverage.

That said, the two cities differ in ways that could affect your rates.

Newark, located near the Maryland state line and Interstate 95, is home to the University of Delaware. The city has about 3,250 people per square mile — nearly twice Dover’s population density. Busier roads contribute to more traffic accidents.

The state capital, Dover, is more spread out, with about 1,665 people per square mile. Compared with Newark’s 19-minute average commute time, Dover drivers spend about 23 minutes driving to work.

Longer commutes can also increase the risk of accidents, which insurers factor into rates.

The below rates in Delaware are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

City	Average Monthly Quote
Dover	$191
Newark	$193

Disclaimer: Table data sourced from real-time Delaware car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Delaware may vary based on the policy buyer's unique driver profile.

Average Delaware car insurance rates by age

Teen drivers in Delaware pay $364 per month, on average, for car insurance. In comparison, Delaware drivers in their 40s pay a monthly average of $221 for insurance.

In 2025, drivers ages 16 to 19 made up fewer than 5% of Delaware’s licensed drivers but accounted for about 8% of crashes.^[2]

Senior drivers pay the lowest rates, averaging $180 per month. In Delaware, insurers can’t raise your rate at renewal solely because you’re 75 or older.^[3]

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$283	$445
Adults (40s)	$171	$270
Seniors	$140	$221

Disclaimer: Table data is based on real-time Delaware quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Delaware

An infraction on your record typically increases your insurance rates. A speeding ticket can raise your car insurance rates in Delaware by 11%, while an at-fault accident increases rates by about 19%, Insurify data shows. A driving under the influence (DUI) conviction can cause your insurance to jump by 23%.

About 4.9% of Delaware drivers have a ticket on their record, 4.8% have an at-fault accident, and .5% have a DUI conviction, according to Insurify data.

Delaware insurers must give you at least 10 days’ notice before adding a surcharge, and surcharges can’t last more than three years. Insurers also can’t raise your rates for an accident that wasn’t your fault.

Driving Record	Average Monthly Quote in DE	% Increase Compared to Clean Driving Record
Clean driving record	$214	N/A
With speeding ticket	$238	11%
With accident	$255	19%
With DUI	$264	23%

Disclaimer: Table data is based on real-time Delaware quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Delaware?

Several factors affect car insurance costs in Delaware, including:

• Population density: Delaware has 508 people per square mile, which is more than five times the national average of 94. More cars on the road can mean more accidents.

• Uninsured drivers: Almost 18% of Delaware drivers are uninsured. The state has the 13th-highest uninsured motorist rate in the country, according to the Insurance Research Council.

• Flooding: Delaware has the lowest average elevation in the U.S., and flooding is the state’s most common weather hazard.^[4] Comprehensive coverage pays for flood damage, which affects insurance costs.

• Crash rates: Delaware’s crash death rate of 12 per 100,000 people is slightly higher than the national average of 11.5.^[5]

• Required PIP: Delaware requires personal injury protection (PIP) to cover medical bills and lost wages. This requirement adds to the cost of a minimum-coverage insurance policy.

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How Delaware car insurance rates have changed over the past five years

Delaware car insurance rates climbed sharply after 2022, a financially tough year for insurers. State lawmakers pointed to rising healthcare costs, inflation, and insurer losses from climate events.

Rates have decreased in Delaware since mid-2025, falling 8% over the past 12 months. State Farm, for example, cut rates by an average of nearly 10% in March 2026.

Still, the average annual cost of insurance could reach $3,163 by the end of 2026. This is up 3% year over year, according to Insurify’s American Driver report.

How to lower car insurance costs in Delaware

Although Delaware car insurance rates are higher than the national average, these tips may help you save:

• Take a defensive driving course. Complete a state-approved course to get 10% off your liability and PIP insurance premiums for three years. Taking a refresher course can bump the discount to 15%.

• Ask for a credit re-rate. If you started your policy with poor credit and have improved your credit, ask your insurer to re-rate your policy at renewal. You can also request an exception if a major life event, like a divorce or job loss, hurts your credit history.

• Reconsider full coverage on older vehicles. Comprehensive and collision coverage may cost more than an older car is worth. But if you finance your vehicle, like 33% of Delawareans, your lender will likely require full coverage.

• Move from an assigned-risk plan to standard coverage. After one year in Delaware’s plan for high-risk drivers, your insurer must offer you standard coverage if you’ve had no at-fault accidents or points in the past three years. Drivers with DUIs don’t qualify.

Delaware average car insurance cost FAQs