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Best Car Insurance Companies in Delaware 2022: Quotes, Discounts

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Jennifer Pendell

By: Jennifer Pendell

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated April 5, 2022

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Quick Facts

  • Insurify’s best-rated insurance provider in Delaware is Nationwide.
  • Delaware is the 10th most expensive state for drivers to buy car insurance.
  • The best-rated car insurance provider might not be the best for every unique driver profile, so it’s important for drivers to compare quotes from multiple insurers before buying a policy.

Delaware is a much-loved destination on the East Coast, and for good reason. The relatively low cost of living and the tax credit for first-time homebuyers draw people to Delaware from across the country, and the lack of sales tax makes the state a shopper’s paradise. Moving to Delaware can be a smart economic decision - but when it comes to car insurance, Delaware drivers may find themselves paying in other ways.

That’s because Delaware consistently ranks in the top 10 states where it’s most expensive to insure a car. There are also more than 28,000 auto accidents in Delaware every year that cause more than $1 billion in economic damage. Whether you’re looking for the legal minimum car insurance or full coverage, you need to shop around and compare car insurance quotes to find the best combination of low auto insurance rates and coverage.

Not sure how to find cheap car insurance coverage? Insurify can help. This easy-to-use tool helps you compare car insurance rates no matter where you are in life, whether you’re a good driver with good credit or a high-risk driver who has had a DUI in the past.

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Best Car Insurance Companies 2022

RankCompany NameAverage Cost Per Month in DelawareInsurify Composite Score
1Nationwide$27889
2Liberty Mutual$32782
3Travelers$22580
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Top Car Insurance Companies: Find the Right One for You

What is the best car insurance in Delaware?

Travelers, Liberty Mutual, and Nationwide all offer good customer service, reliably pay claims, and are in good financial health in Delaware. However, the best car insurance company for you will depend on factors like your driving record, your age, your gender, and your credit score.

There are many car insurance providers in Delaware for drivers who are shopping around for their options, from USAA, Progressive, and State Farm to Allstate, GEICO and everyone in between. But when we compared insurers, a few companies rose to the top, thanks to a combination of the best rates and high ratings for financial strength, customer satisfaction, and more. Here’s what we found.

See More: Full-Coverage Car Insurance

See More: Bundle Home & Auto Insurance

1
Nationwide logo

Nationwide

Average monthly cost:
$278
Insurify Composite Score:
89

Nationwide tops our list of the best insurers in Delaware. It has a lower number of complaints to state regulators than expected for an insurer its size, and it ranks better than the national average for customer satisfaction, according to J.D. Power studies. The insurer offers everything you would expect for minimum coverage if that’s what you’re looking for, and policyholders can also choose from a wide variety of add-on coverage options.

One of their innovative offerings is called Vanishing Deductible, which allows you to lower your deductible by up to $500 over time by driving safely. The company also offers the On Your Side Review, where you can have a free assessment by a Nationwide agent every year to help you figure out whether your policy is meeting your needs and whether you qualify for any of the company’s many discounts.

Top discounts that the company offers include:

  • Bundling multiple policies
  • Installing an anti-theft device
  • Being a safe driver
  • SmartRide program
  • SmartMiles program
  • Using automatic payment for your bills
  • Remaining accident-free
  • Being a member of certain affinity groups
  • Being a good student
  • Taking a defensive driving course

Your insurance premiums may be higher or lower than the average if you fall into certain categories; teen drivers tend to pay more, while people with no at-fault accidents will pay less.

Driver CategoryAverage Monthly Cost
Drivers Under 25$431
Drivers Over 60$194
Safe Drivers (No Prior Violations)$256
Drivers With a Prior Accident$245
Drivers With a Prior Speeding Ticket$375
Drivers With Average Credit$307
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Liberty Mutual is the sixth-largest auto insurer in the nation based on premiums written. The company also offers many personal and commercial insurance policies, which is a bonus if you’re looking to bundle your auto insurance with home insurance or another policy. The company offers the typical minimum coverage limits needed to satisfy the law and also offers several appealing add-on options, such as:

  • New car replacement: If you total your car in the first model year and first 15,000 miles, the company will reimburse you for the full cost of a new car, not the depreciated value.
  • Better car replacement: You’ll be reimbursed for a car that’s one year newer than the one you totaled and with 15,000 fewer miles on it.
  • Deductible fund: Liberty Mutual creates a fund to lower your collision deductible and contributes $70 each year, while you contribute $30.

Top discounts that the company offers include:

  • Homeowners discount
  • Being a member of the U.S. military
  • Getting a Liberty Mutual quote before your current policy expires
  • Earning good grades or leaving the car at home while living away at school
  • Driving a hybrid or electric car
  • Installing certain safety features
  • Avoiding accidents and traffic violations
  • Bundling multiple policies or insuring multiple cars
  • Paying your full premium up front or enrolling in automatic payments
  • Buying a policy online or receiving paperwork electronically
  • Being a new customer
  • Affiliating with certain employers, alumni associations, or professional groups

Liberty Mutual’s average rates vary depending on your age, safety profile, and other risk factors.

Driver CategoryAverage Monthly Cost
Drivers Under 25$409
Drivers Over 60$195
Safe Drivers (No Prior Violations)$321
Drivers With a Prior Accident$338
Drivers With a Prior Speeding Ticket$369
Drivers With Average Credit$337
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
3
Travelers logo

Travelers

Average monthly cost:
$225
Insurify Composite Score:
80

Travelers is one of the most well-known names in insurance and is one of the largest providers of auto insurance policies in the U.S. It offers a variety of discounts and coverage options, allowing you to tailor your policy to fit your situation. It also had fewer complaints to state regulators than expected for its size, according to the National Association of Insurance Commissioners.

Travelers offers a robust website and mobile app that let you pay bills, file claims, call for roadside assistance, and more, all from your phone or computer. The company has many exciting options for people who are looking for more than the minimum amount of insurance, such as IntelliDrive®, which uses an app to track your driving speed, time of day, and braking and acceleration habits for 90 days and adjusts your rates accordingly.

Top discounts that the company offers include:

  • Buying multiple policies from Travelers or insuring more than one car
  • Owning a home
  • Being a safe driver
  • Not having gaps in coverage
  • Owning or leasing a hybrid car
  • Buying a new car
  • Paying electronically, up front, or on time
  • Getting a quote before your policy expires
  • Maintaining at least a B average while in high school or college
  • Taking driver training
  • Being a member of certain organizations

Travelers may offer different monthly premiums depending on how old you are and your driving history.

Driver CategoryAverage Monthly Cost
Drivers Under 25$295
Drivers Over 60$179
Safe Drivers (No Prior Violations)$207
Drivers With a Prior Accident$243
Drivers With a Prior Speeding Ticket$283
Drivers With Average Credit$247
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Average Monthly Cost of Car Insurance in Delaware

The average cost of car insurance can vary depending on where you live. For example, we found the most expensive car insurance in Delaware is in Wilmington at $344 per month, while people in Dover only pay an average of $277 per month.

Delaware CityAverage Monthly Cost
Dover$277
Lewes$188
Newark$299
New Castle$350
Rehoboth Beach$199
Wilmington$344
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Determine the Best Car Insurance Company for Yourself

Finding the best car insurance starts with getting quotes from multiple insurers. It’s important to be able to ask questions and compare what each insurer offers.

Today, this is easier than ever, thanks to tools like Insurify. Simply answer a few questions about yourself, your car, and your driving history, and get accurate quotes from all the top insurers.

See More: Car Insurance for Bad Driving Records

Frequently Asked Questions

  • Good car insurance is about more than low premiums. The best car insurance companies in Delaware will have high customer satisfaction ratings, an easy claims process, and tools to help you manage your account.

  • Premiums vary based on things like your driving history and the kind of car you drive. That’s why getting quotes from multiple insurance companies is the best thing you can do when you're shopping for car insurance. This will let you compare not just premiums but also coverage levels, discounts, and third-party ratings.

  • The best car insurance company is the one that meets your needs at a reasonable price. This means that you must at least purchase the state minimum insurance requirements for bodily injury liability insurance, property damage liability coverage, and personal injury protection. If you took out a loan to buy your car, the lender may require you to carry a full-coverage policy that covers damage to your vehicle.

  • Every insurance company has its own set of discounts. Compare them to figure out which are the best auto insurance companies for you. For example, some common discounts reward having a clean driving record, not filing a claim, having a good credit score, having good grades (for young drivers), or having more than one policy with the same company.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jennifer Pendell
Jennifer Pendell

Content Writer at Insurify

Jennifer Pendell is a personal finance writer from the Midwest. Her passion is breaking down tough subjects to make them easier to understand. When she’s not writing, she loves reading, camping and spending time with friends and family.

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