Depending on your age and location, the overall cheapest auto insurance carriers in Delaware are with Grange, Progressive, and 21st Century.
All three insurers are able to offer quotes from 17% to 34% lower than the median rate for drivers of similar age and profile.
Travelers and Titan are two other carriers to put on your bucket list to get quotes.
Both can offer quotes from 12% to 22% lower than the median rate.
Another carrier which did exceptionally well is Atlantic States or known as Donegal Group.
They can offer quotes from 10% to well over 20% cheaper than the median quote for drivers.
In this article I am going to cover the minimum coverage requirements, least expensive insurance carriers in Delaware, and cost-saving tips to help you lower your monthly premium.
If you would like to skip to a certain portion of the article, there is a table of contents down a little and to the right.
Minimum Liability Coverage Requirement in Delaware
Table of Contents
- 1 Minimum Liability Coverage Requirement in Delaware
The minimum coverage for the state of Delaware is as follows:
| Coverage | Delaware Minimum Liability Coverage | Recommended Coverage |
|---|---|---|
| Bodily Injury Protection | $15,000 / $30,000 | $100,000 / $300,000 |
| Property Damage | $10,000 | $50,000 |
| Personal Injury Protection | $15,000 / $30,000* | $100,000 / $300,000 |
| Uninsured Motorist | $10,000* | $100,000 / $300,000 |
| Comprehensive Coverage | N/A | $500 deductible |
| Collision Coverage | N/A | $500 deductible |
*Personal Injury Protection and Uninsured Motorist Protection are not mandatory in the State of Delaware. However, you have to decline the coverage in writing. Remember this if you are on a budget.
No-Fault State
Delaware is a “no-fault” state.
No-fault implies that each individual’s insurer will cover their costs in the event they are in an accident in the hopes that it’ll reduce the amount of legal actions that are filed by other drivers.
Note: The cheapest car insurance companies for a 25-year-old driver in Delaware are Grange, Progressive, and 21st Century. I queried each at $2,029, $2,032, and $2,065 respectfully per year. All three carriers are 33% cheaper than the average premium of $3,099 per year for similar profile drivers.
Personal Injury Protection (PIP)
Since the state is “no-fault” drivers are required (though it can be declined in writing) to carry Personal Injury Protection or PIP coverage.
PIP insurance is cover to help pay for any doctor’s expenses or in the unlikely event, death expenses for the insured person.
There are exceptions to the rule for Delaware.
Note: For a 30-year-old driver the cheapest car insurance companies in Delaware are Grange, Progressive, and 21st Century. I queried each at $1,730, $1,735, and $1,787 per year for full coverage. All three carriers are 34% cheaper than the average premium of $2,798.
If the cost of medical bills or the cost of property damages exceeds a certain amount.
Or if the injuries to the person are extremely high the “at-fault” party is going to be required to cover the costs.
Either through their own insurance firm or personal expense depending if they have the coverage to help with the bills.
The state of Delaware also requires its motorists to carry at least 15/30/10 of bodily injury liability and property damage liability protection.
Note: The cheapest car insurance companies for a 35-year-old drivers are Grange, Atlantic States, and Progressive. I queried each at $1,432, $1,436, and $1,440 respectfully per year. Other companies to put on your list of quotes are 21st Century and Travelers. I queried each at $1,454 and $1,498 respectfully per year. All five companies are 30% lower than the average premium for similar age drivers.
Bodily Injury Liability
Covers medical bills for passengers in the other vehicle.
With minimum coverage the insurance corporation will pay up to $15,000 for a single person and up to $30,000 for all people in the other car.
This coincides with the numbers (15 & 30) in the table above.
Note: For a 45-year-old driver the cheapest car insurance companies are Grange, Atlantic States, and 21st Century. I queried each at $1,070, $1,076, and $1,089 per year for full coverage. All three carriers are 32% lower than the median quote of $1,628 for similar age drivers. Other carriers offering inexpensive quotes are Progressive and Travelers. Each queried at $1,098 and $1,112 per year.
Property Damage Liability
Property damage is any damages to the other person’s vehicle, buildings, and road signs, for example.
Under the minimum coverage the insurer will pay up to $10,000 for damages.
This coincides with the number (10) in the 15/30/10. The numbers are always in thousands.
To make it easier for bodily injury the minimum is $15,000 for the driver in the other car and $30,000 for the passengers in the other car.
Property damage minimum is $10,000.
Note: The least expensive auto insurance companies in Delaware for a 55-year-old driver are Atlantic States, Grange, and Progressive. I queried each at $741, $742, and $754 per year for full coverage. Which is 32% cheaper than the average premium of $1,083 for similar profile drivers. Other carriers to put on your list of quotes are Travelers and 21st Century. Both offer quotes over 26% lower than the median price.
Who Has the Cheapest Auto Insurance in Delaware?
Below is a list of the cheapest to more costly carriers from 25 to 55 years of age.
Overall the three lowest price insurers are Grange, Progressive, and 21st Century.
Depending on the region you live, you can get quotes from 17% to over 30% cheaper than the median quote for similar profile drivers.
At times Atlantic States and Travelers are cheaper than the top three for drivers 35 years of age and up.
Both Atlantic States, (owned by Donegal Group) and Travelers can offer cheaper coverage from 12% to 22% than average.
There are few things to keep in mind when you are getting quotes.
Your location is going to be a big factor when insurers determine your rate.
Normally, in the larger cities your premium is higher since there is greater risk.
| Delaware Company | Annual Premium 25 Y/O | 30 Y/O | 35 Y/O | 45 Y/O | 55 Y/O |
|---|---|---|---|---|---|
| Grange | $2,029 | $1,730 | $1,432 | $1,070 | $742 |
| Progressive | $2,032 | $1,735 | $1,440 | $1,098 | $754 |
| 21st Century | $2,065 | $1,787 | $1,454 | $1,089 | $769 |
| Atlantic States | $2,137 | $1,821 | $1,436 | $1,076 | $741 |
| Travelers | $2,165 | $1,822 | $1,498 | $1,112 | $765 |
| GEICO | $2,200 | $1,865 | $1,554 | $1,138 | $798 |
| Titan | $2,201 | $1,905 | $1,558 | $1,140 | $800 |
| Donegal Group | $2,232 | $1,965 | $1,600 | $1,166 | $815 |
| AAA | $2,250 | $1,997 | $1,611 | $1,187 | $823 |
| Omni | $2,265 | $1,965 | $1,615 | $1,298 | $876 |
| Nationwide | $2,287 | $1,954 | $1,621 | $1,241 | $898 |
| National General | $2,290 | $1,923 | $1,622 | $1,270 | $860 |
| MetLife | $2,330 | $2,021 | $1,631 | $1,255 | $900 |
| Liberty Mutual | $2,365 | $2,044 | $1,676 | $1,300 | $912 |
| Horace Mann | $2,376 | $2,076 | $1,683 | $1,387 | $915 |
| Hartford | $2,387 | $2,088 | $1,690 | $1,390 | $916 |
| Goodville Mutual Casualty | $2,400 | $2,100 | $1,700 | $1,407 | $925 |
| Farm Family | $2,412 | $2,132 | $1,727 | $1,421 | $976 |
| Encompass | $2,432 | $2,143 | $1,712 | $1,465 | $1,008 |
| Electric | $2,433 | $2,187 | $1,765 | $1,458 | $1,012 |
| Chubb | $2,487 | $2,203 | $1,832 | $1,498 | $1,043 |
| California Casualty | $2,587 | $2,276 | $1,854 | $1,502 | $1,087 |
| Amica | $2,698 | $2,300 | $1,890 | $1,508 | $1,127 |
| Allstate | $2,700 | $2,354 | $1,932 | $1,526 | $1,132 |
| American Independent Companies | $2,798 | $2,387 | $1,954 | $1,547 | $1,176 |
| AIG | $2,903 | $2,400 | $1,987 | $1,603 | $1,198 |
| Sentry | $3,009 | $2,487 | $2,076 | $1,687 | $1,276 |
Best Insurers by Consumer Rating, Complaints, & Rate Change
At times you may want to check if a company has any complaints or their rating from AM Best.
Below is a list of the best insurers by complaints, rate change, and consumer rating.
Typically, insurers with higher written premiums will have more complaints.
This is normal and you shouldn’t be alarmed by it.
The data complied in the list is from AM Best, JP Power & Associates, and Delaware’s department of insurance.
From my results the best insurers by consumer satisfaction are Allstate, 21st Century, and Farmers.
MetLife, Hartford, and Titan are very competitive and it would be smart to get quotes from them.
If you are in the market for the least expensive car insurance, getting quotes from all companies is the best strategy.
| Company | Written Premiums | Rate Change < 18 Months | # of Complaints | Consumer Rating out of 5 Stars |
|---|---|---|---|---|
| Allstate | $13,357,922 | +2.2% | 19 | 4.3 |
| 21st Century | $1,422,311 | +2.6% | 2 | 4.1 |
| Farmers | $8,587,276 | +2.3% | 3 | 4.4 |
| MetLife | $11,629,575 | +3.7% | 4 | 4.2 |
| Hartford | $3,112,894 | +2.2% | 3 | 4.2 |
| Titan | $3,368,823 | +2.7% | 3 | 4.3 |
| Liberty Mutual | $16,217,422 | +2.0% | 17 | 4.4 |
| USAA | $3,754,814 | +1,8% | 1 | 4.6 |
| Progressive | $11,744,621 | +2.0% | 9 | 4.3 |
| State Farm | $42,794,670 | +2.0% | 22 | 4.3 |
| Travelers | $2,255,829 | +2.2% | 1 | 4.5 |
| Farm Family Casualty | $1,889,622 | +2.8% | 7 | 3.9 |
| Allied | $2,428,437 | +2.7% | 3 | 4.1 |
| Donegal Mutual | $1,433,327 | +3.8% | 3 | 3.9 |
| American Family | $3,857,228 | +1.9% | 3 | 4.1 |
| Amica | $2,522,548 | +2.9% | 3 | 3.9 |
| Nationwide | $27,124,582 | +2.9% | 22 | 3.9 |
| Electric | $1,513,548 | +2.8% | 0 | 4.0 |
| Esurance | $3,786,437 | +2.7% | 2 | 4.2 |
| GEICO | $21,625,732 | +2.2% | 8 | 4.3 |
| National General | $2,573,327 | +2.1% | 3 | 3.9 |
| SafeAuto | $2,683,227 | +2.7% | 4 | 4.1 |
| Safeco | $1,523,338 | +2.4% | 1 | 3.8 |
| The General | $2,109,732 | +4.1% | 16 | 3.7 |
*USAA covers only families and their children affiliated with the Military and Armed Forces. A spouse or person previously in the Armed Services may be able to get insurance through USAA.
Uninsured Motorist Protection
Uninsured motorist protection is a coverage you may want to consider since many drivers in cities such as Wilmington, Dover, and Newark drive without proper coverage.
Many drivers surrounding the state are not properly covered or are completely uninsured.
Also, there could be many out-of-state drivers through Delaware which may not have proper coverage.
Average Rate by City
Below is the average premium by city in Delaware.
Location is a primary factor when insurers determine the price of your premium.
When I did my analysis, the price varied from $1,700 to over $2,000.
Which is a $300 variance from one city to the next.
If you move to another city or zip code you may see an increase or decrease in your premium.
If you have quotes which are substantially higher than those listed below you may have a traffic violation or poor credit.
And if you have a history of filing claims.
The most effective way to keep your premium low is to maintain good driving history and file claims only when necessary.
If you would like a detailed comparison of major cities in Delaware please see below.
| City | Average Premium | Population | City | Average Premium | Population |
|---|---|---|---|---|---|
| Bridgeville | $1,934 | 2,302 | Milford | $1,876 | 10,979 |
| Camden | $2,009 | 3,489 | Millsboro | $1,898 | 4,293 |
| Claymont | $1,897 | 3,157 | Montchanin | $1,801 | 38 |
| Delaware City | $1,876 | 1,742 | New Castle | $1,976 | 5,357 |
| Felton | $1,912 | 1,408 | Newport | $1,921 | 1,050 |
| Greenville | $1,913 | 2,326 | Ocean View | $1,927 | 2,076 |
| Harrington | $1,944 | 3,679 | Seaford | $1,966 | 7,736 |
| Hockessin | $1,769 | 13,527 | Selbyville | $1,893 | 2,421 |
| Laurel | $1,908 | 4,160 | Smryna | $1,701 | 11,371 |
| Lewes | $1,943 | 3,074 | South Bethany | $1,928 | 508 |
Wilmington, DE
If you are in the market for cheaper car insurance in Wilmington start by getting quotes from Progressive, Grange, and Atlantic States.
I queried each at $2,133, $2,276, and $2,438, respectfully for a 30-year-old driver.
All insurers illustrated are 20% below the average premium of $3,100 in Wilmington.
A 45-year old can find cheap quotes with Progressive and Grange.
I queried each at $1,438 and $1,489 respectfully for full coverage.
Or 26% below the citywide average for a driver with the same profile.
A 55-year old can get low quotes with Progressive and Grange.
I queried each at $987 and $1,1012 respectfully or 27% below the “mean” rate in Wilmington.
All insurers illustrated at at least 20% lower than comparable insurers.
| Wilmington Company | 30 Y/O | 45 Y/O | 55 Y/O |
|---|---|---|---|
| Progressive | $2,133 | $1,438 | $987 |
| Grange | $2,276 | $1,489 | $1,012 |
| Atlantic States | $2,438 | $1,555 | $1,032 |
| GEICO | $2,572 | $1,587 | $1,054 |
| MetLife | $2,690 | $1,632 | $1,076 |
| Titan | $2,700 | $1,700 | $1,187 |
| Donegal Group | $2,743 | $1,743 | $1,231 |
Wilmington is the largest city in the state with nearly 75,000 residents.
In the metropolitan area there are 720,000 people.
Wilmington was originally colonized by the settlers from Sweden in the year 1638 then incorporated as city in 1731.
Dover, DE
The average premium in Dover, Delaware is over $2,000 per year.
If you want a cheaper rate then start by getting quotes with Progressive, Grange, and Atlantic States.
I queried each at $1,687, $1,690, and $1,732 respectfully for a 30-year-old driver.
A 45-year old can find lower quotes with Progressive and Grange.
Each queried at $1,003 and $1,043 per year for full coverage.
Or 24% lower than the “mean” rate in Dover for a similar driver.
A 55-year old can find low quotes with Progressive, Grange, and Atlantic States.
I queried each at $790, $832, and $845 respectfully for full coverage.
Or approximately 25% lower than the average premium for a driver with a similar profile.
| Dover Company | 30 Y/O | 45 Y/O | 55 Y/O |
|---|---|---|---|
| Progressive | $1,687 | $1,003 | $790 |
| Grange | $1,690 | $1,043 | $832 |
| Atlantic States | $1,732 | $1,087 | $845 |
| Donegal Group | $1,754 | $1,154 | $879 |
| GEICO | $1,785 | $1,165 | $932 |
| MetLife | $1,843 | $1,187 | $954 |
| Titan | $1,900 | $1,237 | $987 |
Dover is the 2nd largest city in Delaware with approximately 37,000 residents.
The city of Dover became the capital of Delaware in 1777.
The central square of Dover recognized as “The Green” was the spot of numerous rallies and patriotic events.
Newark, DE
If you want to find big savings in Newark then get quotes from Grange, Progressive, and Atlantic States.
I queried each at $2,122, $2,165, and $2,254 for a 30-year-old driver.
Which is 21% lower then the “mean” rate of $2,722.
For a 45-year-old driver the cheapest quotes are with Grange and Progressive.
Each queried at $1,325 and $1,387 respectfully for full coverage.
Which is approximately 22% lower than a policyholder with a similar driver profile.
A 55-year old can find inexpensive quotes with Grange, Progressive, and Atlantic States.
I queried each at $956, $980, and $1,046 per year for full coverage.
All three are 20% lower than the average premium in the city.
| Newark Company | 30 Y/O | 45 Y/O | 55 Y/O |
|---|---|---|---|
| Grange | $2,122 | $1,325 | $956 |
| Progressive | $2,165 | $1,387 | $980 |
| Atlantic States | $2,254 | $1,422 | $1,046 |
| Donegal Group | $2,276 | $1,432 | $1,058 |
| GEICO | $2,308 | $1,487 | $1,137 |
| MetLife | $2,376 | $1,537 | $1,174 |
| Titan | $2,427 | $1,600 | $1,231 |
Newark is home to the University of Delaware with 32,000 residents.
It was founded in 1694 and incorporated as city in 1758 with a few hundred residents.
Today, much of the city’s economy is tied to the presence of the university.
Middletown, DE
If you want a cheaper premium in Middletown, Delaware then get quotes from Grange, Atlantic States, and Progressive.
I queried each at $1,632, $1,655, and $1,676 respectfully for a 30-year-old driver.
Which is 24% lower than the average premium of $2,166 per year.
A 45-year old can find low quotes with Grange and Atlantic States.
I queried each at $988 and $1,032 per year for full coverage.
Which is 26% lower than the “mean” quote for a driver with the same profile.
A 55-year old can get supra-low quotes with Grange, Progressive, and Atlantic States.
Each queried at $769, $790, $832 respectfully for full coverage.
Or 25% lower than the average premium for a similar profile driver.
| Middletown Company | 30 Y/O | 45 Y/O | 55 Y/O |
|---|---|---|---|
| Grange | $1,632 | $988 | $769 |
| Atlantic States | $1,655 | $1,032 | $832 |
| Progressive | $1,676 | $1,054 | $790 |
| Donegal Group | $1,700 | $1,151 | $842 |
| GEICO | $1,761 | $1,187 | $855 |
| MetLife | $1,769 | $1,231 | $879 |
| Titan | $1,833 | $1,280 | $897 |
Middletown is a small quaint town in Delaware with 21,000 residents.
Early on it was a tavern stop for those traveling to large cities to stop and have a drink.
The road in Middletown stretched across the peninsula between Bohemia Landing and Appoquinimink Creek.
Giving it the name Middletown.
Milford, DE
If you are seeking affordable auto insurance quotes in Milford then start with Grange, Atlantic States, and Progressive.
I queried each at $1,543, $1,647, $1,689 respectfully for a 30-year-old driver.
Which is 18% lower than the average premium rate of $1,985 per year.
A 45-year old can find low quotes with Grange and Atlantic States.
Both insurers offered quotes 22% lower than the standard rate at $976 and $980.
It would be smart to get quotes from all insurers illustrated to find the most savings.
A 55-year old can find a lower premium with Grange, Atlantic States, and Progressive.
I queried each at $729, $759, and $799 respectfully for full coverage.
Or about 21% lower than the citywide “mean” premium rate in Milford.
| Milford Company | 30 Y/O | 45 Y/O | 55 Y/O |
|---|---|---|---|
| Grange | $1,543 | $976 | $729 |
| Atlantic States | $1,647 | $980 | $759 |
| Progressive | $1,689 | $1,044 | $799 |
| Donegal Group | $1,712 | $1,071 | $829 |
| GEICO | $1,743 | $1,127 | $854 |
| MetLife | $1,800 | $1,233 | $876 |
| Titan | $1,832 | $1,276 | $890 |
Milford is a city with approximately 10,000 residents and 70 miles southeast of Baltimore.
It was settled in 1680 and incorporated as city in 1807.
Thousands of tourists visit the Riverwalk and the Bug and Bud Festival which are hosted by the city of Milford.
Seaford, DE
Residents in Seaford can find cheaper auto insurance with Grange, Donegal Group, and Atlantic States.
I queried each at $1,587, $1,632, and $1,687 respectfully for a 30-year-old driver.
Which is 22% to 25% lower than the average premium of $2,033.
A 45-year old can find low quotes with Donegal Group and Grange.
Each queried at $988 and $1,002 respectfully for full coverage.
Which is 26% lower than the citywide “mean” rate in Seaford.
A 55-year old can get savings with Grange, Donegal Group, and Atlantic States.
I queried each at $743, $786, and $803 respectfully for full coverage.
Which is 25% lower than the average policyholder with a similar driver profile.
In fact, it would be smart to get quotes from all the insurers illustrated to find the highest amount of coverage with the most savings.
| Seaford Company | 30 Y/O | 45 Y/O | 55 Y/O |
|---|---|---|---|
| Grange | $1,587 | $1,002 | $743 |
| Donegal Group | $1,632 | $988 | $786 |
| Atlantic States | $1,687 | $1,043 | $803 |
| Progressive | $1,743 | $1,154 | $816 |
| GEICO | $1,769 | $1,187 | $876 |
| MetLife | $1,822 | $1,222 | $890 |
| Titan | $1,876 | $1,289 | $903 |
Seaford is quaint historical town with approximately 8,000 residents.
Incorporated in 1865 just after the Civil War with the help of councilmen.
They created a government which is in existence today.
Final Thoughts
AutoInsureSavings has simplified the process for you.
By comparing car insurance quotes from top companies you can find an agent online in less than a minute, plus you can find out if you have an available discounts.
And the best part of our comparison system is it is cost you nothing to find out if you save hundreds of dollars over the next couple of years.
Once you know you have the cheapest auto insurance don’t be afraid to ask the agent for discounts or other optional coverage which could be helpful in the time when you need it most.
Sources
https://www.donegalgroup.com/about-us/our-family-of-companies/atlantic-states-insurance-company
https://www.grangeinsurance.com/
https://delawareinsurance.gov/
https://www.dmv.de.gov/VehicleServices/
