Delaware Cheapest Car Insurance & Best Coverage Options
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Joel Ohman
Founder, CFP®
Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...
Founder, CFP®
UPDATED: Jun 24, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
UPDATED: Jun 24, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
AutoInsureSavings.org team of licensed insurance agents found Travelers Insurance at $778 per year is the cheapest of all car insurance companies in Delaware for minimum coverage auto policies.
At $1,718 annually, State Farm is the cheapest car insurance company in Delaware for full coverage policies.
Cheapest Auto Insurance in Delaware
Carrying insurance in the state of Delaware is mandated by state law with personal injury protection (PIP). However, who provides your auto coverage and anything above the liability insurance requirements are a matter of choice. There are always multiple types of coverage to choose from, depending on your eligibility and specific auto insurance coverage needs.
| Cheapest Car Insurance in Delaware - Key Takeaways |
|---|
 The cheapest Delaware car insurance options are:Cheapest for minimum coverage: Travelers Insurance Cheapest for full coverage: State Farm Cheapest after an at-fault accident: State Farm Cheapest after a speeding ticket: Progressive Cheapest after a DUI: Progressive Cheapest for poor credit history: Geico Cheapest for young drivers: Geico For young drivers with a speeding violation: Geico For young drivers with an at-fault accident: Geico |
Keep reading to learn how to save money with Delaware car insurance companies and how to find the best coverage for the most affordable cost. Equipping yourself with the right facts will help you make car insurance decisions with confidence.
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Cheapest Car Insurance for Minimum Coverage in Delaware
Our agents found that Travelers offers the cheapest minimum coverage car insurance for Delaware drivers with a good driving record at $778 annually, which is 34% less expensive than the average cost for minimum liability from other car insurance companies in Delaware at $1,169.
Enter your zip code above to compare cheap auto quotes from the best auto insurers to help you save money.
| Auto Insurer | Average annual cost |
|---|---|
| USAA | $712 |
| Travelers | $778 |
| State Farm | $869 |
| Progressive | $1,081 |
| Geico | $1,171 |
| Nationwide | $1,413 |
| Allstate | $1,547 |
*USAA is for qualified military members, their spouses, and direct family members. Insurance rates may vary depending on driver profiles.
We found the most expensive insurance providers for minimum coverage during our rate analysis are Nationwide and Allstate, with an average annual quote of $1,413 and $1,547.
| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
The cheapest car insurance in the state of Delaware is based on several factors. First, you must determine if you want full coverage or the state minimum coverage. Then, you must factor in your vehicle information, age, and driving history. If you have an accident history, you may not see the cheapest car insurance rates. Bad drivers tend to pay more for the cost of auto insurance, as insurance companies see them as a higher risk to insure.
Minimum coverage is a liability-only policy with bodily injury and property damage liability insurance.
Cheapest Car Insurance for Full Coverage in Delaware
State Farm offers cheap insurance rates in Delaware at $1,718 per year or $143 per month for full coverage, 18% cheaper than Delaware’s state average rates.
The next best is Travelers, which offers full coverage insurance rates at $1,841 per year or 12% cheaper than average.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| State Farm | $1,718 | $143 |
| Travelers | $1,841 | $153 |
| Geico | $2,237 | $186 |
| Delaware average | $2,088 | $174 |
*Your rates may vary when you get a quote.
Delaware’s average premium for full coverage insurance is $2,088 per year or $174 per month.
Full coverage policies include comprehensive and collision, which reimburse the cost of damage to your vehicle from car accidents, vandalism, or thefts.
| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
AutoInsureSavings.org licensed insurance agents recommend drivers in Delaware with newer model vehicles to buy a full coverage auto insurance policy and not just going with minimum coverage requirements.
Cheapest Insurance for Drivers in Delaware With a Speeding Ticket
Our licensed agents found Progressive offers the cheapest rates for Delaware drivers with a speeding violation at $1,943 per year or a $161 monthly rate. Progressive’s rate is 20% less expensive than Delaware’s average rates of $2,413 per year, making it the cheapest company for Delaware drivers who have a speeding ticket.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| Progressive | $1,943 | $161 |
| State Farm | $2,071 | $172 |
| Geico | $2,417 | $201 |
| Delaware average | $2,413 | $201 |
The average car insurance premium for a Delaware driver with a speeding violation is $2,413, or $325 more for auto insurance than an average driver with a clean record.
A speeding violation stays on Delaware driving records for 24 months. During those 24 months, the cost of car insurance can increase by 14%.
Cheapest Insurance for Drivers in Delaware With an Accident
State Farm offers the most affordable rates for drivers with a recent at-fault accident in Delaware, with annual premiums at $2,419. That is $796 less than the average amount drivers pay ($3,215) for coverage in Delaware, making it the cheapest company for those in an accident.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| State Farm | $2,419 | $201 |
| Progressive | $2,678 | $223 |
| Geico | $2,917 | $243 |
| Delaware average | $3,215 | $267 |
The least expensive insurance coverage exists for people with clean driving records. Delaware insurance carriers will cover people with an accident. Delaware’s average rate for a person with a car accident on their driving record would be $3,215 per year, over $1,100 more than the average premium for full coverage.
Cheapest Car Insurance for Drivers in Delaware with a DUI
Progressive offers the cheapest auto insurance rates in Delaware for drivers with a DUI in their driver history at $2,915 per year. The average rate for drivers with a DUI in Delaware is $3,814, and Progressive offers savings of $899 per year.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| Progressive | $2,915 | $242 |
| State Farm | $3,156 | $263 |
| Geico | $3,630 | $302 |
| Delaware average | $3,814 | $317 |
Driving under the influence violation in Delaware can raise your car insurance premiums by 46%, according to Delaware’s Office of Highway Safety (OHS)
Cheapest Car Insurance for Drivers in Delaware With Poor Credit
Geico offers the least expensive insurance premiums for Delaware drivers with a poor credit score. Geico provides a savings of over $642 per year or 20% less expensive, with an insurance premium of $2,614 per year.
Progressive is the second cheapest car insurance option at $2,930 per year or 10% cheaper than average Delaware poor credit rates.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| Geico | $2,614 | $217 |
| Progressive | $2,930 | $244 |
| Nationwide | $3,117 | $259 |
| Delaware average | $3,256 | $271 |
We found drivers with a bad credit score pay 46% more for coverage in Delaware than those with good credit scores during our rate analysis. Make sure to pay your credit cards and bills on time to find the best savings with Delaware car insurance.
Cheapest Car Insurance for Young Drivers in Delaware
Younger drivers shopping for car insurance can find cheap rates in Delaware with Geico, who provided our agents with a $5,517 annual quote for full coverage. Geico’s rate is 46% cheaper than Delaware’s average younger driver rate of $8,613.
Young military members can find the best car insurance with USAA at $3,916 per year for a 20-year-old driver.
| Insurer | Full coverage | Minimum coverage |
|---|---|---|
| USAA | $3,916 | $2,116 |
| Geico | $5,517 | $2,614 |
| Nationwide | $6,166 | $2,900 |
| State Farm | $6,468 | $3,139 |
| Progressive | $8,273 | $3,961 |
| Liberty Mutual | $8,348 | $3,745 |
| Allstate | $9,161 | $4,360 |
*USAA is for qualified service members, their spouses, and direct family members. Rates may vary depending on driver profiles.
A teen driver who recently received their driver’s license or has been driving for less than five years is a high-risk driver. They tend to get more traffic tickets and have more accidents. An important thing to inquire about when adding a teen onto your policy is the student discount. If they maintain a certain grade level, they may qualify for a discount, which can help reduce the high expenses teens face with auto insurance. The cost to insure a Delaware driver under 21 is significantly higher than insuring a driver over 30 with a clean driving record.
Cheapest Insurance for Young Drivers with a Speeding Ticket
Young or teen drivers in Delaware should compare insurance quotes with Geico with a speeding violation in their driving history. Geico provided our agents a quote at $6,244 per year or $520 per month.
Geico’s rates are 32% less expensive than average rates for young Delaware drivers.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| Geico | $6,244 | $520 |
| Nationwide | $6,556 | $546 |
| Progressive | $8,342 | $695 |
| Delaware average | $9,147 | $762 |
Cheapest Car Insurance for Young Drivers in Delaware with an Accident
According to our licensed agent’s rate analysis, younger drivers with an at-fault accident can find the cheapest insurance quotes with Geico, with an average cost of $6,673 annually or $556 per month.
Geico’s insurance rate is 46% less expensive than Delaware’s $10,327 average rate for younger drivers with an at-fault accident.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| Geico | $6,673 | $556 |
| Nationwide | $7,451 | $620 |
| Progressive | $9,380 | $781 |
| Delaware average | $10,327 | $860 |
Best Auto Insurance Companies in Delaware
If we use the NAIC complaint index, J.D. Powers claims satisfaction study, and the average price for state minimum and full coverage, USAA is the best auto insurer in Delaware. For drivers not eligible for a USAA membership, they should consider Geico.
| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
For Delaware drivers, sometimes getting the most affordable auto insurer isn’t the best for quality customer service. Depending on your assets and situation, you may need to compare car insurance companies with higher than average customer service and satisfaction standards.
| Insurer | % respondents extremely satisfied with recent claim | % respondents rated customer service as excellent |
|---|---|---|
| USAA | 78% | 62% |
| Nationwide | 78% | 53% |
| State Farm | 73% | 46% |
| Allstate | 72% | 47% |
| Progressive | 74% | 34% |
| Geico | 64% | 42% |
According to ValuePenguin, USAA received the highest customer satisfaction ratings for Delaware car insurance. USAA also received the highest satisfaction ratings from its customers for both claims satisfaction, but with an NAIC complaint index of 0.96 or near the national average of 1.00.
If we take the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power claims satisfaction score, and A.M. Best financial strength ratings, the results are slightly different. Geico has the lowest NAIC complaint ratio from customers.
| Insurer | NAIC Complaint Index | J.D. Power Claims Satisfaction | AM Best rating |
|---|---|---|---|
| Geico | 0.57 | 871 | A++ |
| Nationwide | 0.64 | 876 | A+ |
| State Farm | 0.66 | 881 | A++ |
| Progressive | 0.67 | 856 | A+ |
| Allstate | 0.71 | 876 | A+ |
| USAA | 0.96 | 890 | A++ |
Nationwide and State Farm are the best-rated insurers with excellent financial strength, have a complaint ratio below the national average of 1.00 which means both insurance companies have fewer complaints relative to their market share.
Average Car Insurance Costs by City in Delaware
Auto insurers use your zip code and many factors to determine your Delaware car insurance costs, as well as your credit score, marital status, type of motor vehicle, and past driving history. If you live in Delaware’s more urban areas, there is a higher chance of auto theft or being in an auto accident. Insurance companies will increase rates to account for such risk.
Cheapest Car Insurance in Wilmington, DE
Drivers in Wilmington can find the most affordable coverage with Travelers Insurance with a $1,914 annual rate for our 30-year-old sample driver. A $1,914 quote from Travelers is 20% cheaper than Wilmington’s average car insurance rates.
| Wilmington Company | Average Premium |
|---|---|
| Travelers | $1,914 |
| State Farm | $1,970 |
| Geico | $2,146 |
| Wilmington average | $2,380 |
Cheapest Car Insurance in Dover, DE
Dover residents can find cheaper insurance coverage with State Farm, who provided our licensed agents a quote at $1,688 per year or a $140 monthly rate. State Farm is 23% less expensive than average rates in Dover, Delaware.
| Dover Company | Average Premium |
|---|---|
| State Farm | $1,688 |
| Travelers | $1,743 |
| Liberty Mutual | $1,936 |
| Dover average | $2,190 |
Cheapest Car Insurance in Newark, DE
Newark drivers can find cheap coverage options with State Farm, who offered us a quote at $1,714 annually or a $142 monthly rate with $500 deductibles for comprehensive and collision insurance. State Farm’s insurance quote is 34% cheaper than Newark’s average rates at $2,218 per year.
| Newark Company | Average Premium |
|---|---|
| State Farm | $1,714 |
| Travelers | $1,766 |
| Geico | $1,841 |
| Newark average | $2,218 |
Cheapest Car Insurance in Middletown, DE
Drivers with clean driving history in Middletown can find the cheapest auto insurance quotes with Travelers with quotes at $1,588 per year and 28% less expensive than the average Middletown rate.
| Middletown Company | Average Premium |
|---|---|
| Travelers | $1,588 |
| State Farm | $1,672 |
| Geico | $1,829 |
| Middletown average | $2,187 |
Cheapest Auto Insurance in Bear, DE
AutoInsureSavings.org licensed agents found that Bear’s cheapest rate is with Travelers, who provided us a quote at $1,519 per year for full coverage or 27% lower than average rates for people in Bear, Delaware.
| Bear Company | Average Premium |
|---|---|
| Travelers | $1,519 |
| State Farm | $1,648 |
| Geico | $1,783 |
| Bear average | $2,066 |
Cheapest Auto Insurance in Glasgow, DE
Residents of Glasgow, DE can find cheap auto insurance with Geico with a quote at $1,475 per year or a $122 monthly rate for a full coverage insurance policy, which is 29% less expensive than the average $2,051 Glasgow rate.
| Glasgow Company | Average Premium |
|---|---|
| Geico | $1,475 |
| Nationwide | $1,536 |
| Progressive | $1,571 |
| Glasgow average | $2,051 |
Average Cost of Insurance for All Cities in Delaware
| City | Annual Premium Cost | City | Annual Premium Cost |
|---|---|---|---|
| Wilmington | $2,380 | Ocean View | $1,915 |
| Dover | $2,190 | Delmar | $1,940 |
| Newark | $2,218 | Delaware City | $1,923 |
| Middletown | $2,187 | Millville | $1,785 |
| Bear | $2,066 | Cheswold | $1,978 |
| Glasgow | $2,051 | Rehoboth Beach | $2,035 |
| Brookside | $1,979 | Wyoming | $1,977 |
| Hockessin | $1,996 | Blades | $1,995 |
| Smyrna | $1,950 | Felton | $1,923 |
| Milford | $2,004 | Rodney Village | $1,797 |
| Pike Creek Valley | $2,005 | Greenwood | $2,028 |
| Claymont | $1,970 | Newport | $1,929 |
| Wilmington Manor | $1,949 | Bellefonte | $1,970 |
| Seaford | $2,022 | Dagsboro | $1,983 |
| Pike Creek | $1,976 | Frederica | $1,967 |
| North Star | $1,799 | Frankford | $2,024 |
| Georgetown | $1,988 | Bethany Beach | $2,007 |
| Edgemoor | $1,946 | St. Georges | $1,991 |
| Elsmere | $1,923 | Ellendale | $1,940 |
| New Castle | $1,999 | Odessa | $1,988 |
| Millsboro | $1,940 | Fenwick Island | $2,010 |
| Laurel | $2,023 | Houston | |
| Rising Sun-Lebanon | $1,967 | South Bethany | $1,946 |
| Harrington | $1,982 | Arden | $1,880 |
| Dover air force base | $1,929 | Magnolia | $2,021 |
| Camden | $1,851 | Dewey Beach | $1,967 |
| Highland Acres | $1,927 | Bowers | $1,940 |
| Clayton | $2,009 | Ardentown | $1,969 |
| Lewes | $1,955 | Bethel | $1,960 |
| Bridgeville | $1,990 | Slaughter Beach | $2,014 |
| Milton | $1,966 | Kenton | $1,926 |
| Kent Acres | $1,915 | Little Creek | $1,967 |
| Long Neck | $1,945 | Ardencroft | $1,859 |
| Greenville | $1,939 | Henlopen Acres | $1,929 |
| Selbyville | $1,880 | Leipsic | $1,940 |
| Townsend | $1,948 | Woodside | $1,915 |
| Woodside East | $2,002 | Viola | $1,963 |
| Riverview | $1,923 | Farmington | $1,944 |
Minimum Car Insurance Requirements in Delaware
Delaware drivers must carry the state minimum requirements for car insurance for vehicle registration. State law mandates drivers have at least $25,000 per person and up to $50,000 per accident of bodily injury liability coverage. They also require at least $10,000 of property damage liability coverage. And you must have personal injury protection (PIP) at $15,000 per person and $30,000 per accident.
| Liability | Minimum coverage |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $10,000 per accident |
| Personal injury protection (PIP) | $15,000 per person and $30,000 per accident |
AutoInsureSavings.org licensed agents recommend buying coverage with higher liability limits in Delaware if you have assets, such as a house, multiple vehicles, or a business.
Delaware drivers who drive more often (over 12,000 miles per year) should consider higher liability coverage limits. According to the Insurance Information Institute (III.org), we recommend uninsured motorist coverage since Delaware’s uninsured motorist rate is 11.2%.
Delaware Car Insurance FAQs
Who has the cheapest car insurance in Delaware?
We found the top car insurance companies that offer the lowest Delaware drivers’ average rates are USAA at $59 per month, Travelers at $65 per month, and State Farm at $72 a month for a state minimum insurance policy for a 30-year-old with clean driving history.
How much is car insurance in Delaware per month?
On average, drivers pay around $97 per month for state minimum coverage in Delaware and $174 per month for full coverage insurance. Based on our research, State Farm, at $1,718 per year, is one of the state’s most affordable car insurance companies. Most drivers’ average annual rate is around $1,169 per year for state minimums and $2,088 annually, including comprehensive and collision coverage.
How much is full coverage car insurance in Delaware?
On average, most drivers in Delaware pay for full coverage insurance is $174 per month or $2,088 per year. Delaware’s top insurance companies that offer the lowest rate for drivers interested in full coverage auto insurance policies include State Farm and Travelers. Both insurers provide auto insurance quotes 12% lower than average, depending on your driver profile.
How do I save on car insurance in Delaware?
There are many things drivers can do to help save money on their car insurance rates in Delaware. First, you will need to compare quotes from multiple insurance providers to find the right insurance company that offers the exact level of coverage in Delaware you need at the most affordable price.
Another thing drivers can do to help them save more on their car insurance rates is ask their auto insurance provider about a money-saving driver discount they may be eligible for. Many companies offer car insurance discounts for drivers who have multiple coverage policies with them or drivers who have no prior accidents or violations on their driving records. Consider Usage-Based car insurance, such a Traveler’s IntelliDrive. You can get long-term savings up to 30%, depending on your safe driving habits and driver behavior.
To learn more about finding the best car insurance options in Delaware, contact the experts at AutoInsureSavings.org. Our licensed professionals will be happy to answer any questions you have.
Methodology
AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord in Delaware with the following coverage limits:
Average Coverage Limits for Full-Coverage Auto Policy
| Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Property damage | $25,000 per accident |
| Personal injury protection | $10,000 |
| Uninsured motorist bodily injury & underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
We used car insurance rates for drivers with accident histories, credit scores, and marital status for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates may vary when you get quotes.
Sources
– Insurance Information Institute. “Facts + Statistics: Auto Insurance.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Insurance Commissioner of the State of Delaware. “The Instant Insurance Guide: Auto.”
– Delaware Division of Motor Vehicles. “Vehicle Services.”
– Delaware Division of Motor Vehicles. “Defensive driving.”
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Joel Ohman
Founder, CFP®
Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...
Founder, CFP®
UPDATED: Jun 24, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.