8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Save up to $1,025† by comparing quotes from the top 120+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Shopping for car insurance can feel overwhelming when you have so many companies and coverage options to consider. To simplify the process for Delaware drivers, Insurify analyzed data from 50 car insurance companies operating in the state, evaluating factors like affordability, coverage options, customer satisfaction, and available discounts.
Here are the top picks for Delaware drivers and how to save on your rates.
Best car insurance companies in Delaware
When you need car insurance, knowing which companies stand out can help you start your search and make a confident decision. Below are the top-rated insurance companies that offer quality coverage, competitive pricing, and reliable customer service in Delaware.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$84/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo
4.2
Best choiceBased on 9,861 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,430)
Samantha
March 11, 2025
Verified Review
Everything has been great, but the payments keep increasing even though neither my spouse nor I have had any accidents.
Everything has been great, but the payments keep increasing even though neither my spouse nor I have had any accidents.
James
March 11, 2025
Verified Review
Ungrateful Agents
I've been insured with State Farm for almost sixty years. I never had an accident until last year, and they raised my rates. Sixty years of premiums should more than compensate for one accident.
Lucille
March 11, 2025
Verified Review
State Farm is a Good Company
I've been pleased with my experience with State Farm. My agent always works with me and is very responsive to my queries. The only thing I would like is a lower cost.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm earns the top spot for insuring Delaware drivers because it offers affordability, coverage, and solid customer service. It has an extensive network of local agents and plenty of coverage options to fit each driver’s unique needs. State Farm is great for people who want personalized support and customized coverage.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$105/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$145/mo
4.0
Best choiceBased on 10,931 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,989)
Gary
March 11, 2025
Verified Review
High Price
Expensive.
John
March 11, 2025
Verified Review
The Best There Is!
It's the best one out there, especially if you're a veteran.
Dan
March 11, 2025
Verified Review
Confused
They are quite expensive and the rates constantly increase without any email or notice. They seem to raise my rate at will. I have a super clean record and an older vehicle, a 2004 Tacoma. I don't understand why my rates are rising.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO is a great choice for Delaware drivers who want to save on car insurance without sacrificing quality coverage. The company offers several discounts to help customers reduce premiums. For example, you can save money by being accident-free, having safety and security equipment installed on your vehicle, taking a defensive driving course, or bundling policies.
Pros
Many available discounts
Above-average J.D. Power customer satisfaction rating
Mobile app has excellent App Store ratings
Cons
Limited in-person service due to few Delaware-based agents
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$75/mo
4.9
Best choiceBased on 1,769 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
881
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA is a great option for Delaware’s active-duty military members, veterans, and their families. The company offers customized services and specialized benefits for the military community. With competitive rates and extensive coverage options, USAA is a reliable choice for people who serve.
Pros
Exclusive rates and benefits for military members and their families
Usage-based insurance options for customers who don’t drive a lot
Savings of up to 60% when storing a vehicle during deployment
Cons
Membership limited to members with military affiliation
No physical locations in Delaware
Coverage options aren’t as extensive as other insurers
Root Insurance: Best for people with clean driving records
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$108/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$151/mo
3.1
A solid optionBased on 731 verified guest reviews and ratings
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
Reviews (404)
William
March 11, 2025
Verified Review
Root Review
It's simple and easy to get started, and a lot cheaper than what I had.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.36
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Root Insurance is a good choice for Delaware car insurance for people with clean driving records. It bases rates primarily on driving behavior rather than factors like age or credit. The company uses app-based technology to track and reward safe driving habits, which can mean substantial savings for safe drivers.
Pros
Rating of 4.3 out of 5 on Trustpilot
One of the cheapest car insurance companies in Delaware
Easy app-based quotes and insurance policy management
Cons
Must undergo a test-drive period to find out how much your premium will be
Limited coverage options compared to some competitors
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$178/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$247/mo
4.0
Best choiceBased on 6,099 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,324)
Loriann
March 11, 2025
Verified Review
Switching to Survival
My representative, Al, is totally awesome. However, price is an issue in today's world, especially as a retired person.
Deborah
March 11, 2025
Verified Review
Highly Recommend Allstate!
I would definitely recommend Allstate. My agent has been there for me when I moved and was required to have rental insurance. He made sure they received a copy every year. They are a bit pricey but provide good coverage and once you reach a certain level, the deductible is waived.
Robin
March 11, 2025
Verified Review
Allstate vs. My Wallet
Allstate's premiums are higher than some of their competitors. Granted, I've been with this insurer for more than 30 years. Their claims response is great. I just can't afford what I am being charged for a car that is 11 years old.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company
Allstate is a good car insurance option for Delaware drivers who own alternative vehicles like motorcycles, all-terrain vehicles (ATVs), snowmobiles, boats, electric vehicles (EVs), classic cars, and recreational vehicles (RVs). With the ability to tailor coverage options for various types of vehicles, it offers customers comprehensive protection — often at an affordable price.
Pros
Extensive network of agents in Delaware
User-friendly mobile app allows for easy policy management, bill pay, and claims filing
Telematics and pay-per-mile options available
Cons
Below-average J.D. Power customer satisfaction rating
Average rates compared to competitors
Discounts may not be as extensive as other insurers
Our editorial team analyzed regional and national auto insurance companies that sell policies in Delaware to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Delaware
Below are some tips to help you find the best coverage at the most affordable price in Delaware.[1]
Consider how much coverage you need
Figure out how much coverage you need based on your driving habits and financial situation. Delaware drivers must meet the state’s minimum-coverage requirements, but you might want more protection. Additional options include comprehensive, collision, and uninsured/underinsured motorist coverage. Tailoring your insurance policy ensures you don’t overpay for coverage you don’t need or risk being underinsured.
Compare quotes from multiple insurance companies
Prices for car insurance can vary widely between companies. Comparing quotes from a handful of companies allows you to see the range of pricing and coverage options available.
Read reviews from policyholders
Customer reviews give you a real-world perspective of how insurance companies handle claims and customer service. Look for companies with consistently positive feedback on responsiveness and ease of filing claims.
Consider customer service scores
An insurance company’s customer service reputation gives you an idea of how well it’ll handle your claim or assist with insurance policy changes. Look for ratings from trusted sources like J.D. Power or the Better Business Bureau to identify companies that deliver reliable customer service and claims handling.
Ask about discounts
Many insurance companies offer discounts that can lower your car insurance premiums. Look into discounts for bundling car insurance with homeowners or renters insurance, maintaining a clean driving record, or taking a defensive driving course. Being proactive about identifying discounts can make your policy more affordable without sacrificing coverage.
Choose higher deductibles
Your deductible is the amount you pay out of pocket before your insurance covers a claim. Opting for a higher deductible can lower your premiums. High deductibles work best for Delaware drivers who can afford to cover higher out-of-pocket costs in the event of an accident, so make sure you weigh the potential savings against your financial resources.
Review your policy annually
Insurance rates and your needs change over time. Reviewing your policy and shopping around for quotes every year helps ensure you have the coverage you need at the most affordable rates.
Average cost of car insurance in Delaware
The average cost of Delaware car insurance is $195, which is generally higher than the national average. The elevated rates reflect the state’s higher population density and increased traffic risks compared to other states.
In recent years, Delaware experienced a slight upward trend in car insurance rates, driven by rising repair costs, inflation, and a higher frequency of severe weather events.[2] While premiums have increased, comparing quotes and seeking discounts can help you manage your car insurance premiums.
Find Cheap Car Insurance in Delaware
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Best car insurance in Delaware FAQs
Below are answers to some frequently asked questions from Delaware drivers to help you make informed decisions about your coverage.
How much is car insurance in Delaware?
On average, car insurance costs $195 per month in Delaware. A full-coverage policy costs $231 per month. A liability-only policy is cheaper, at $159 per month.
What are the best car insurance companies in Delaware?
Delaware’s top car insurance companies include State Farm, GEICO, USAA, Root Insurance, and Allstate. These companies offer Delaware drivers affordability, discounts, and specialized coverage options.
What is the required auto insurance coverage amount in Delaware?
Delaware requires all cars registered in the state to have insurance. The Delaware minimum limits are:[3]
$25,000 in bodily injury liability per person / $50,000 in bodily injury liability per accident
$10,000 in property damage liability
$15,000 in personal injury protection (PIP) per person / $30,000 per accident
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Janet has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
)
)
){kind=logo}
){kind=logo}
){kind=logo}
){kind=small}
)
)
)
