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Cheapest Auto Insurance in Delaware (2026)

USAA offers the cheapest car insurance in the First State, starting at $79 per month for a liability policy.

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Cheapest recent car insurance quotes in Delaware

Drivers using Insurify have found quotes as cheap as $79/mo for liability only and $111/mo for full coverage in Delaware.

*Quotes generated for Insurify users from Delaware within the last 10 days. Last updated on February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Delaware within the last 10 days. Last updated on February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Amy Beardsley
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Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.

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  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Although it’s the second-smallest state in land area, Delaware is among the most densely populated states in the U.S., which likely contributes to its higher car insurance costs.

Delaware drivers pay an overall average of $182 per month for their car insurance coverage, compared to the national average cost of $137.

Here’s what you need to know about finding affordable car insurance in the First State.

Quick Facts
  • State Farm, GEICO, and USAA are some of the cheapest car insurance companies in Delaware.

  • Delaware drivers pay a yearly average of $2,562 for full-coverage insurance.

  • Delaware’s average cost of full coverage fell 2% in 2025, according to Insurify’s Insuring the American Driver report

3 of the cheapest car insurance companies in Delaware

Insurance companies offer various coverage options and rates depending on factors like your driving record, vehicle type, and ZIP code. This is why it’s important to compare quotes from different insurers and find the best coverage that suits your needs.

You can start your search by reviewing three of the cheapest companies in Delaware below.

State Farm

State Farm logo
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.
9.3 /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.
$122/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.
$171/mo
4.0
Best choiceBased on 14,570 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 (6,965)
Lydia
Verified Review
Horrible experience with State Farm
Reviewed in Florida on February 5, 2026
I have had State Farm since I was 16, and it was good. However, in the past year, they have increased my insurance rates significantly for no reason. I have had no accidents, no tickets, and I barely drive more than 5 miles a day. My rate went from $114.00 to $198.00 in 2 months for no reason.
Dan
Verified Review
State Farm Disappointment
Reviewed in South Carolina on February 5, 2026
If you file a claim, your rates will go up, regardless of how good your past record is.
Richard
Verified Review
Excellent
Reviewed in Missouri on February 5, 2026
Very good but like all insurance, expensive.
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 is America’s most popular insurance company by market share, according to the National Association of Insurance Commissioners (NAIC). It’s also the largest auto insurance company in Delaware. It has a wide selection of coverages, including rideshare insurance, car rental insurance, and travel expenses coverage.

Pros
  • Exclusive agents in 24 Delaware cities

  • Above-average J.D. Power customer service rating

  • Many coverage types to personalize policy

Cons
  • Doesn’t offer gap insurance

  • Online policy purchasing not available

  • High-risk drivers pay higher rates

GEICO

GEICO logo
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.
$153/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.
$214/mo
4.0
Best choiceBased on 14,876 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 (7,256)
Narinder
Verified Review
Very Good
Reviewed in New York on February 5, 2026
Good service.
Brett
Verified Review
Not for me
Reviewed in Wisconsin on February 5, 2026
They never informed me of paperless options, then charged me.
Vicki
Verified Review
Car Insurance Frustrating
Reviewed in Texas on February 5, 2026
They raised our premium, so I am looking for my best options.
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

As a commuter, your car is the key to flexibility and control over your daily schedule. GEICO offers a broad range of coverage options and discounts, including roadside assistance coverage starting at just $14 per year. You can also get rental reimbursement and mechanical breakdown coverage to help you get back on the road.

Pros
  • Competitive rates for Delaware commuters

  • Variety of discounts

  • Mobile app has excellent customer ratings

Cons
  • Below-average J.D. Power customer satisfaction rating for Mid-Atlantic insurers

  • Gap insurance not available

  • Minimal local agents only available in Wilmington

USAA

USAA logo
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.
$79/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.
$111/mo
4.9
Best choiceBased on 2,851 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 (1,435)
Michael
Verified Review
Good and Inexpensive
Reviewed in Georgia on February 4, 2026
Good, cheaper than other quotes.
Paulette
Verified Review
Excellent company has its challenges
Reviewed in Pennsylvania on February 4, 2026
They are very responsive and customer service-oriented; however, they are very expensive. I have been with USAA for more than 30 years but find it increasingly difficult to pay for the car and home insurance while on a fixed income. I wish they were more flexible on their pricing as they are an excellent company. Oh, and trying to reach them on the phone is a frustrating challenge for an older person with all their security measures.
Jesse
Verified Review
The insurance is fine, but it's the other corporate decisions that have me looking for another carrier.
Reviewed in Washington D.C. on February 3, 2026
The insurance is fine, but it's the other corporate decisions that have me looking for another carrier.
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 emerges as the top choice for members of the military community and their families in Delaware. It offers the lowest average rates in the state for minimum coverage. USAA consistently scores high on customer satisfaction studies from J.D. Power and has a high Insurify Quality (IQ) Score.

Pros
  • Lowest liability coverage rates in Delaware

  • Exceptional J.D. Power customer service rating

  • Offers usage-based insurance

Cons
  • Limited to military members, veterans, spouses, and children

  • No physical locations in Delaware

  • Fewer coverage options than other insurers

How to get the cheapest car insurance in Delaware

Your auto insurance quotes come from careful consideration of many factors, such as your driving record, age and experience, vehicle type, location, and insurance history. Although some of these factors are out of your control, you can still find ways to lower your coverage costs.

Here’s how to save on car insurance rates in Delaware:

  • Practice safe driving. Maintain a clean driving record by following traffic laws and avoiding accidents or violations.

  • Choose a higher deductible. Consider raising your collision and comprehensive deductible, which can lower your premiums but also increases your out-of-pocket expenses in the event of a claim.

  • Ask about discounts. Explore discounts that insurance companies may offer, such as bundling discounts, good student discounts, or safe driver discounts.

  • Consider a usage-based program. Take advantage of telematics programs that track your driving behavior to potentially qualify for additional discounts. But be aware some insurers may increase your rates if their telematics detects poor driving habits.

  • Compare car insurance companies. Car insurance is a competitive market. By comparing quotes from multiple insurance companies, you increase your chances of finding the best rates.

Find Cheap Car Insurance in Delaware

Unlock savings and discounts when you compare rates through Insurify

Excellent
4.7 out of 5 based on 11,626 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Delaware’s car insurance rates over time

Full-coverage car insurance rates in Delaware fluctuated in 2025, peaking at $3,300 annually in June. In the last half of the year, rates fell 10%. The state is the ninth-most expensive for car insurance and ended 2025 with a full-coverage annual average of $2,983, according to Insurify data.

Data analysts at Insurify project that Delaware could see a modest 1% increase in car insurance rates by the end of 2026. Here’s a look at how full-coverage car insurance rates in Delaware have changed over time.

Cheapest liability-only car insurance quotes in Delaware: USAA

Liability-only car insurance provides financial protection for damages, such as medical expenses you may cause to others in an accident. It doesn’t cover any damages to your vehicle. 

Delaware law requires drivers to carry liability-only car insurance at a minimum. It’s more affordable, but consider your needs and the value of your vehicle before buying it. Buying only the minimum required amount of liability insurance may not provide you with adequate financial protection in case of an at-fault accident.

Delaware drivers pay an average of $150 per month for liability coverage.

The following table shows the lowest liability rates from top insurers offering coverage in Delaware.

The below rates in Delaware are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$79
CSAA$84
State Farm$122
National General$131
Root$143
GEICO$153
Direct Auto$177
Travelers$187
Dairyland$198
Liberty Mutual$244
Nationwide$256
Allstate$260
Disclaimer: Table data sourced from real-time Delaware car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Delaware may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Delaware: USAA

In addition to liability coverage, full-coverage auto insurance covers comprehensive and collision damage to your vehicle. If you have a newer or more expensive car, it can pay for repairs or replacement. Full coverage is smart if you rely on your vehicle for daily commuting — it protects against car accidents, theft, vandalism, falling objects, and natural disasters.

The average monthly cost of full coverage in Delaware is $214, but you may find lower rates from some of the insurance companies in the table below.

The below rates in Delaware are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$111
CSAA$126
State Farm$171
Progressive$203
Root$208
GEICO$214
National General$233
Travelers$261
Direct Auto$274
Liberty Mutual$312
Nationwide$358
Allstate$364
Dairyland$465
Disclaimer: Table data sourced from real-time Delaware car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Delaware may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in Delaware

Drivers using Insurify have found quotes as cheap as $89/mo for liability only and $147/mo for full coverage in Delaware.

*Quotes generated for Insurify users within the last 10 days. Last updated on February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
  • Your age can play a significant role when insurers determine auto insurance premiums.

    Insurance companies charge teen drivers higher rates due to their lack of experience and high accident rates. Car insurance rates generally decrease around age 25, but you may see a rate hike around age 70.

    The Insurance Institute for Highway Safety (IIHS) reports a higher accident risk after age 70, which contributes to the price increase for senior drivers.[1]

    Age Group
    sort ascsort desc
    Average Monthly Quote: Liability Only
    sort ascsort desc
    Average Monthly Quote: Full Coverage
    sort ascsort desc
    Teen drivers$252$359
    Adult drivers$155$221
    Senior drivers$124$177
    Disclaimer: Table data is based on real-time Delaware quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Car insurance requirements in Delaware

Delaware drivers must meet specific insurance requirements, including liability coverage and personal injury protection. Because it’s a “fault” state, the person responsible for causing the car accident is responsible for covering the damages — you’ll want an insurance company to step in to cover the cost of these losses.[2]

Here are the minimum requirements in Delaware:[3]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$10,000 per accident
Personal injury protection (PIP)$15,000 per person / $30,000 per accident

Besides increasing your coverage limits, you can purchase additional optional coverages:

    • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

      Collision coverage

      Collision insurance covers the cost of damages from collisions with vehicles or other objects such as a tree, fence, or light pole. Collision insurance also covers rollover accidents.

    • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

      Comprehensive coverage

      Comprehensive insurance helps cover the price of repairs or replacement if your car is damaged by something other than an accident, such as fire, weather, theft, or vandalism.

    • illustration card https://a.storyblok.com/f/162273/150x150/6a92eb6099/insurify-icons-auto-green-96x96_005-insurance.svg

      Uninsured/underinsured motorist coverage

      Uninsured/underinsured motorist insurance pays for losses from drivers without insurance or hit-and-run accidents and protects you if you’re in an accident that isn’t your fault when the other driver doesn’t have enough insurance to cover your injuries.

    • illustration card https://a.storyblok.com/f/162273/150x150/951095b2b4/car-service-96x96-blue_014-tow-truck.svg

      Roadside assistance

      Roadside assistance coverage can get you back on the road quickly if your vehicle has a minor breakdown. This coverage typically includes changing a tire or battery, providing a jump, and towing your car to a repair shop.

    • illustration card https://a.storyblok.com/f/162273/150x150/f82464c85b/car-sharing-96x96-orange_048-car-key.svg

      Rental car coverage

      Rental car insurance helps pay for the cost of renting a car after an accident while your vehicle is in the repair shop.

Cheapest car insurance in Delaware by driving record

Driving infractions like speeding tickets, at-fault accidents, driving under the influence (DUI), and other moving violations can hurt your driving record and car insurance costs. After an incident, insurers consider you a high-risk driver and typically raise premiums to offset the potential cost of covering future claims.

For example, Delaware drivers with a clean driving record pay a monthly average of $150 for liability insurance, while drivers with an incident on their record pay an average of $188 per month for liability-only coverage.

The table below shows how liability insurance rates vary by driving incident.

The below rates in Delaware are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
With Speeding Ticket
sort ascsort desc
With At-Fault Accident
sort ascsort desc
With DUI/DWI
sort ascsort desc
USAA$105$110$122
CSAA$113$125$130
State Farm$160$167$188
National General$169$181$202
Root$197$198$222
GEICO$206$206$234
Direct Auto$229$251$273
Travelers$250$261$289
Dairyland$254$271$306
Liberty Mutual$321$337$377
Nationwide$343$357$395
Allstate$349$361$402
Disclaimer: Table data sourced from real-time Delaware car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Delaware may vary based on the policy buyer's unique driver profile.

Shop for Cheap Car Insurance in Delaware

Rates start as low as $101 per month for drivers with an incident

Excellent
4.7 out of 5 based on 11,626 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
  • Where you live in Delaware can affect your car insurance rates. The table below shows how average car insurance rates compare in Delaware cities.

    The below rates in Delaware are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 
    Data reviewed by Konstantin Halachev
    Headshot of Konstantin Halachev, VP of Engineering at Insurify
    Konstantin HalachevVP of Engineering & Data Science
    • 7+ years experience in data analysis

    • Ph.D. in Computational Biology

    Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

    City
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Dover$154$216
    Newark$157$221
    Disclaimer: Table data sourced from real-time Delaware car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Delaware may vary based on the policy buyer's unique driver profile.

Delaware car insurance FAQs

Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Delaware.

  • Car insurance in Delaware costs an overall average of $182 per month. Delaware drivers pay $214 per month for full-coverage insurance and $150 per month for liability coverage. Your specific rate will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.

  • USAA offers the cheapest liability-only coverage in Delaware, starting at $79 per month. Delaware drivers can also find savings with CSAA and State Farm, which have monthly liability-only rates of $84 and $122, respectively.

  • With an Insurify Quality (IQ) Score of 9.3 and an AM Best financial strength rating of A++ (Excellent), State Farm is the best car insurance company in Delaware. Other top Delaware auto insurers include USAA, GEICO, Liberty Mutual, and Allstate.

  • No. Delaware is an at-fault state. This means drivers responsible for an auto accident are responsible for covering the costs of damage and injury for the other driver and their passengers.

  • Yes. Driving without insurance in Delaware is illegal and considered a criminal offense. You might have to pay up to $2,000 in fines and could lose your license.

Methodology

Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. IIHS. "Fatality Facts 2022 Older People."
  2. NOLO. "Delaware Car Insurance Requirements."
  3. Delaware Division of Motor Vehicles. "Vehicle Services Registration."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Amy has been a contributor at Insurify since September 2023.

Elena Stratoberdha
Edited byElena StratoberdhaEditorial Assistant
Elena Stratoberdha
Elena StratoberdhaEditorial Assistant

Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.

In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.

Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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