Best Car Insurance in Delaware (2025)

State Farm, GEICO, and USAA offer some of the best car insurance options in Delaware.

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Janet Berry-Johnson
Janet Berry-Johnson
  • 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.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

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.

Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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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.

State Farm: Best overall

User Reviews
4.1
IQ Score
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.
$124/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.
$205/mo
4.1
Best choiceBased on 11,238 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 (6,036)

Janelle

June 25, 2025

Verified Review

Why I left, found something $100 cheaper

You're overpaying.

James

June 24, 2025

Verified Review

Above Average

Fantastic but not cheap.

Kristin

June 24, 2025

Verified Review

The State is not always great on the Farm

I often feel like I’m doing all the work when it comes to filing a claim and working out details.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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 exclusive 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.

Pros
  • Some of the lowest average rates in the state

  • Many customizable coverage options

  • Extensive statewide network of exclusive local agents

Cons
  • Rates may not be affordable for high-risk drivers

  • Doesn’t offer accident forgiveness coverage

  • Can’t purchase a policy online

GEICO: Best for discounts

User Reviews
4.0
IQ Score
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.
9.2 /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.
$264/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.
$319/mo
4.0
Best choiceBased on 11,970 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 (6,426)

Arthur

June 23, 2025

Verified Review

Looking for a Better Rate

We are looking for a better rate as GEICO has raised our rates twice now. But they are a good insurance company.

Stephen

June 18, 2025

Verified Review

Insurance premiums are too high

My experience with Geico has been good, but my premiums are very high due to claims.

Ana

June 17, 2025

Verified Review

Thought it was going to be lengthy but it wasn't. Comparing rates was very easy.

Take the time to compare rates. It is worth it.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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 third-largest U.S. auto insurer 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

  • Gap insurance not available

  • Rideshare insurance not available

USAA: Best for military members

User Reviews
4.9
IQ Score
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.
9.1 /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.
$80/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.
$133/mo
4.9
Best choiceBased on 2,098 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
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,192)

John

June 17, 2025

Verified Review

USAA Critique

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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 of the military community

  • No local agents in Delaware

  • Doesn’t offer 24/7 customer service

Root Insurance: Best for people with clean driving records

User Reviews
3.2
IQ Score
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.
7.9 /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.
$112/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.
$162/mo
3.2
A solid optionBased on 821 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 (441)

Michelle

June 11, 2025

Verified Review

Very easy process

It was really easy to use.

Xochitl

May 18, 2025

Verified Review

Bait and Switch

They attracted me with low monthly payments, but then the rate increased after the first month.

Jacob

May 9, 2025

Verified Review

I recommend Root for anyone who needs insurance.

Very good and cheap insurance.
See all Root reviews
JD Power
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.
1.93
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 common rating factors like age, gender, and credit history. 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

  • Average rates are among the lowest 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

  • Has no local agents

Allstate: Best for alternative vehicles

User Reviews
3.9
IQ Score
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.
$263/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.
$435/mo
3.9
A solid optionBased on 6,841 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 (3,651)

Hope

June 25, 2025

Verified Review

Good

It's been fine until the rates went up without notification.

Aida

June 25, 2025

Verified Review

Insurance Too High

The price is too high and there are no discounts even though we have had their insurance for more than ten years with no claims at all.

Richard

June 21, 2025

Verified Review

Happy with their rates the past two years.

One Allstate office may have a better rate than another in the next town over. I discovered this fact, so now I check several local Allstate offices for the best results. This surprised me because I thought their rates would all be the same.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
624
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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, the fourth-largest U.S. auto insurer, 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 exclusive and independent agents across 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 some competitors

  • 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]

  • illustration card https://a.storyblok.com/f/162273/x/2d92436d68/protection-for-your-car.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/edb628e3ac/insurify-icons-auto-blue-96x96_013-family.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/243feaaa23/contact-us-96x96-orange_033-rating.svg

    Consider customer service scores and ratings

    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, to identify companies that deliver reliable customer service and claims handling.

  • illustration card https://a.storyblok.com/f/162273/150x150/75872bbafd/money-96x96-green_033-magnifying-glass.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/d4e67f33b5/banking-96x96-yellow_015-dollar.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/1d8803fded/credit-and-loan-96x96-blue_019-calendar.svg

    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 $208, 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

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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 $208 per month in Delaware. A full-coverage policy costs $242 per month. A liability-only policy is cheaper, at $175 per month.

  • What are the best car insurance companies in Delaware?

    Delaware’s top car insurance companies include State Farm, GEICO, USAA, Allstate, and Root Insurance. 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 auto liability 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

    Although Delaware insurers are required to offer uninsured motorist coverage, policyholders can decline via a waiver.

Sources

  1. III. "How to save money on car insurance."
  2. Delaware.gov. "INSURANCE MATTERS."
  3. Division of Motor Vehicles. "Vehicle Services Registration."
Janet Berry-Johnson
Janet Berry-Johnson

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
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

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.

Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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