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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Written byJanet Berry-Johnson
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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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Edited bySara Getman
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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.
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Reviewed byMark Friedlander
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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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Table of contents
Table of contents
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 | 4.2 |
|---|---|
| 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. | 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. | $113/mo |
4.2
Best choiceBased on 11,093 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 (5,993)
Kevin
May 14, 2025
Verified Review
Friends in Need
The main thing with SF is their rates; in my opinion, they are too high. The good side is that they are understanding and prompt. My wife and I have had 3 or 4 cars covered by SF plus home insurance. They always treat us fairly, just so high!
Robert
May 14, 2025
Verified Review
State Farm needs help
Good for car insurance but difficult getting claims approved on homeowners.
Sergio
May 14, 2025
Verified Review
Look very carefully before switching.
I don't have anything bad to say about State Farm. To compare with another company, it's important to look carefully at options. All options should be equal before deciding which company to choose.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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 /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. | $148/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. | $178/mo |
4.0
Best choiceBased on 11,874 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 (6,402)
Barbara
May 14, 2025
Verified Review
Excellent
Good company but costs too much.
Mary
May 14, 2025
Verified Review
Not the best rate or policy combination
I am just looking for better rates and a 1-year payment option, not 6 months. I signed up for no spousal coverage and sent the signed document in, but Guiko sent an email stating they do not have it. I do not want it! Guiko does not offer 1-year insurance or even combine my policies—I have a truck, side by side, and rental property (I own the property but have it in an LLC). Sole owner SLLC.
Patricia
May 14, 2025
Verified Review
Geico Meets My Car Insurance Needs
I have been with Geico for quite a while but haven’t filed any claims. I do think they are a good company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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. | 9.4 /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. | $73/mo |
4.9
Best choiceBased on 2,063 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 (1,177)
Anthony
May 13, 2025
Verified Review
Dare to compare
Very happy overall, with the exception of cost increases.
John
May 12, 2025
Verified Review
Rates
Their rates have gone up significantly, and as a result, I will be looking at alternatives.
Dawn
May 11, 2025
Verified Review
The premiums are too high, I've only had one claim so I'm already shopping
I've been with them for ten years now and I've only had one claim. Now I'm being treated like a convict.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
881NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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 | 3.1 |
|---|---|
| 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. | 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. | $111/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. | $157/mo |
3.1
A solid optionBased on 805 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 (439)
Jacob
May 9, 2025
Verified Review
I recommend Root for anyone who needs insurance.
Very good and cheap insurance.
Alan
May 9, 2025
Verified Review
Rate Increase
Each renewal, my rates have increased. I’ve had no citations or claims. That’s why I shop for better rates every six months. I guess loyalty has no value anymore.
Candaice
May 5, 2025
Verified Review
Double rates for deer drama.
My rates doubled after a deer ran into my passenger door and totaled my car. I asked why, and they said it is the algorithms. I wish they had a one-time forgiveness program for deer incidents.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.36A.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).
NRWhy 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 | 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. | 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. | $179/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. | $240/mo |
4.0
Best choiceBased on 6,754 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 (3,619)
Roy
May 14, 2025
Verified Review
Coverage
Initial price for coverage was good, but on renewal, the price increased by about $300. I need a better price.
Anita Lynn
May 12, 2025
Verified Review
Happy but
The owner, Josh, is very nice. He spends enough time with me every time we talk, and he's always concerned, which is nice. But the original price when I transferred to him six months ago was $138. I really wasn’t happy with it, but I was tired of shopping around and tired of getting insurance calls every day, so I went with it. Now it’s time for my renewal, and it went up to $189. I guess I’m back to shopping again. I just don’t understand it. I’m 73, I barely go anywhere, and I haven’t had an accident that was my fault in a long time.
Jesse
May 11, 2025
Verified Review
Fair
They start with low monthly payments and then increase it by $250.00!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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]
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 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.
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 $201, 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.
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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 $201 per month in Delaware. A full-coverage policy costs $242 per month. A liability-only policy is cheaper, at $160 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.
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Sources
- III. "How to save money on car insurance."
- Delaware.gov. "INSURANCE MATTERS."
- Division of Motor Vehicles. "Vehicle Services Registration."
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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 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.
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.