Elizabeth Rivelli es una escritora independiente cubriendo seguros y finanzas personales. Ella tiene conocimiento extensivo de varios tipos de seguros, inclusos los seguros de propiedad y casualidad, la salud, y la vida. Ha realizado trabajos en docenas de publicaciones, incluyendo Investopedia, Forbes, Bankrate, NextAdvisor, y Insurance.com.
Más de 4 años trabajando en creación de contenidos y marketing
Como editor de seguros de hogar y mascotas de Insurify, Danny también se especializa en aseguranzas de carro. Su objetivo es ayudar a los consumidores a navegar el mundo complejo de la compra de seguros.
Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
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Delaware often experiences coastal storms, which means cars are more susceptible to damage from flooding and storm surges.[1] Additionally, Delaware is a no-fault state, so drivers are required to carry more car insurance than in many other states.
The average monthly car insurance premium in Delaware is $168.
USAA has the cheapest car insurance rates in Delaware.
Newark has some of the lowest average premiums in Delaware.
Find Cheap Car Insurance in Delaware
Liability coverage starts at $55 per month
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What’s the average cost of car insurance in Delaware?
The average cost of car insurance in Delaware is $207 per month for full coverage and $129 per month for liability-only coverage. However, the cost of insurance coverage depends on a variety of factors, including your insurance company.
Below, you can see the average car insurance premiums from some of the most popular car insurance companies in the state of Delaware.
The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
USAA
55
81
State Farm
85
125
GEICO
107
156
National General
128
223
Travelers
132
192
Midvale Home & Auto
136
188
Progressive
153
224
Liberty Mutual
157
257
CSAA
160
223
Nationwide
179
261
Allstate
182
265
Direct Auto
184
294
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Average Delaware car insurance rates by city
Car insurance rates differ from one city to the next. Factors like population, crime rate, and traffic all affect the cost of premiums.
Dover is one of the most expensive cities for car insurance in Delaware, according to Insurify data. Below, you can see the average cost of car insurance in Dover and Newark, two of the most populated cities in Delaware.[2]
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Average Delaware car insurance rates by age
Age is one of the most significant factors affecting the cost of your car insurance. Young drivers typically pay the highest rates for auto insurance because they lack experience behind the wheel. Data also shows that teens have higher accident rates than any other age group.[3] For most drivers, rates start to drop in their 20s and start climbing again in their 70s.
You can see the average cost of car insurance in Delaware by age group in the chart below.
Rates by Age
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How gender affects car insurance rates in Delaware
Gender is also used as a car insurance rating factor in most states. Historical data shows that women are less likely to be involved in serious accidents or drive impaired than men. As a result, women tend to pay lower average rates for car insurance.
However, age is also an important factor. Based on Insurify rate analysis, 16-year-old male drivers pay about 20% more for car insurance than female drivers of the same age. For 50-year-old drivers, men only pay about 5% more than 50-year-old women.
In the table below, you can see the average car insurance premiums in Delaware for male and female drivers of several different ages.
Age
Male
Female
16
$422
$345
35
$201
$182
50
$155
$148
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
How your driving record affects car insurance rates in Delaware
Insurers use a variety of car insurance rating factors, but your driving record is one of the most critical. Good drivers with a clean driving record pay the lowest insurance rates, on average. People with speeding tickets, a car accident, or a DUI on their record usually pay much higher rates.
For example, Delaware drivers with an accident on their record pay almost 30% more for full-coverage car insurance than drivers with a clean record. If you have a very complicated driving history, it’s also possible that your insurer could refuse to renew your insurance policy, especially if you have a suspended license.
Below, you can see how the average cost of car insurance varies in Delaware based on driving record.
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Find Delaware Car Insurance After an Accident
Insurify partners with 100+ top insurers for real-time quotes
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Average Delaware car insurance rates by marital status
Married couples often pay slightly less for car insurance than single drivers. Insurify’s rate data shows that married drivers pay about 4% less for full-coverage car insurance than their single counterparts. Married couples who each own a vehicle are usually able to insure both cars on the same policy and qualify for a multi-vehicle discount.
Here are the average car insurance premiums for married and single drivers in Delaware.
Marital Status
Average Quote: Liability Only
Average Quote: Full Coverage
Married
$126
$198
Single
$132
$206
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Average Delaware car insurance rates by credit tier
Car insurance companies in Delaware use credit-based insurance scores as a way to determine how much risk you pose.[4] Drivers with excellent credit typically pay the lowest rates for car insurance, whereas people with poor credit pay much higher rates because they pose a higher risk.
For example, drivers with a poor credit score pay roughly 55% more for full-coverage car insurance than drivers with an excellent credit score. Even drivers with good credit pay about 10% more for full coverage than drivers with excellent credit.
In the table below, you can see the average car insurance premiums in Delaware based on credit tier.
Credit Tier
Average Quote: Liability Only
Average Quote: Full Coverage
Excellent
$116
$182
Good
$129
$202
Fair
$142
$222
Poor
$206
$323
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Delaware car insurance FAQs
Finding the right car insurance coverage can be tricky. Consider the answers to these commonly asked questions about cheap car insurance in Delaware.
What is the average cost of car insurance in Delaware?
Delaware drivers pay an average of $168 per month for car insurance. They pay $129 per month for a liability-only policy and $207 per month for a full-coverage insurance policy. The exact cost of your specific car insurance policy will vary based on your driving record, age, credit history, and more.
What is the cheapest car insurance in Delaware?
USAA is the cheapest car insurance in Delaware, with a liability rate of $55 per month. State Farm is the second-cheapest insurer in the state, with a monthly liability quote of $85. The third-cheapest insurer, GEICO, has a liability rate of $107 per month.
What is the minimum car insurance in Delaware?
All drivers must carry car insurance in Delaware. The minimum coverage requirements are 25/50/10 for bodily injury liability insurance and property damage liability insurance, as well as 15/30 in personal injury protection (PIP).[5]
However, many Delaware drivers can benefit from a full-coverage car insurance policy that also includes collision and comprehensive coverage, as well as medical expenses coverage.
What are the best auto insurance companies in Delaware?
Some of the best auto insurance companies in Delaware are USAA, State Farm, GEICO, and Travelers. These companies have below-average rates for Delaware and offer a variety of coverage options and discounts. Keep in mind that the best and cheapest car insurance company will depend on your financial situation, coverage needs, and budget.
Is Delaware car insurance cheaper than Pennsylvania?
No. Delaware has more expensive car insurance rates than Pennsylvania. The average cost of car insurance in Pennsylvania is $143, while the average cost of car insurance in Delaware is $168.
Metodología
Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.
El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.
Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.
Elizabeth Rivelli es una escritora independiente cubriendo seguros y finanzas personales. Ella tiene conocimiento extensivo de varios tipos de seguros, inclusos los seguros de propiedad y casualidad, la salud, y la vida. Ha realizado trabajos en docenas de publicaciones, incluyendo Investopedia, Forbes, Bankrate, NextAdvisor, y Insurance.com.
Más de 4 años trabajando en creación de contenidos y marketing
Como editor de seguros de hogar y mascotas de Insurify, Danny también se especializa en aseguranzas de carro. Su objetivo es ayudar a los consumidores a navegar el mundo complejo de la compra de seguros.
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