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Delaware Cheapest Auto Insurance & Minimum Requirements plus Best Insurers by Age

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Updated November 1st, 2020

Depending on your age and location, the overall cheapest auto insurance carriers in Delaware are Grange, Progressive, and 21st Century.

All three insurers can 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 that 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.

This article will 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

The minimum coverage for the state of Delaware is as follows:

CoverageDelaware Minimum Liability CoverageRecommended 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 CoverageN/A$500 deductible
Collision CoverageN/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 if they are in an accident in the hopes that it’ll reduce the number of legal actions filed by other drivers.

Least expensive policy options by price for 25 year old in Delaware.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 coverage 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.

Least expensive insurance premium price for 30 y/o in Delaware.Note: For a 30-year-old drive, Delaware’s the cheapest car insurance companies 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 will be required to cover the costs.

Either through their own insurance firm or personal expense, depending on 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.

Affordable policy options by price for 35 y/o driver.Note: The cheapest car insurance companies for 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 company will pay up to $15,000 for a single person and up to $30,000 for all other cars.

This coincides with the numbers (15 & 30) in the table above.

Least expensive policy choices for 45 y/o in DE.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 the 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.

inexpensive car insurance by price for 55 y/o in Delaware.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, 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 offers quote 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 in, 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 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 a 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 a greater risk.

Delaware CompanyAnnual Premium 25 Y/O30 Y/O35 Y/O45 Y/O55 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 ratings.

Typically, insurers with higher written premiums will have more complaints.

This is normal, and you shouldn’t be alarmed by it.

The data compiled 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. 

CompanyWritten PremiumsRate Change # of ComplaintsConsumer Rating out of 5 Stars
Allstate$13,357,922+2.2%194.3
21st Century$1,422,311 +2.6%24.1
Farmers$8,587,276 +2.3%34.4
MetLife$11,629,575 +3.7%44.2
Hartford$3,112,894+2.2%34.2
Titan$3,368,823+2.7%34.3
Liberty Mutual$16,217,422+2.0%174.4
USAA$3,754,814+1,8%14.6
Progressive$11,744,621+2.0%94.3
State Farm$42,794,670+2.0%224.3
Travelers$2,255,829+2.2%14.5
Farm Family Casualty$1,889,622+2.8%73.9
Allied$2,428,437 +2.7%34.1
Donegal Mutual $1,433,327 +3.8%33.9
American Family$3,857,228+1.9%34.1
Amica$2,522,548+2.9%33.9
Nationwide $27,124,582 +2.9%223.9
Electric$1,513,548+2.8%04.0
Esurance$3,786,437+2.7%24.2
GEICO$21,625,732 +2.2%84.3
National General$2,573,327+2.1%33.9
SafeAuto$2,683,227 +2.7%44.1
Safeco$1,523,338+2.4%13.8
The General$2,109,732+4.1%163.7

*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 the 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 substantially higher quotes than those listed below,w 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 a good driving history and file claims only when necessary. 

If you would like a detailed comparison of major cities in Delaware, please see below.

CityAverage PremiumCityAverage Premium
Bridgeville$1,934Milford$1,876
Camden$2,009Millsboro$1,898
Claymont$1,897Montchanin$1,801
Delaware City$1,876New Castle$1,976
Felton$1,912Newport$1,921
Greenville$1,913Ocean View$1,927
Harrington$1,944Seaford$1,966
Hockessin$1,769Selbyville$1,893
Laurel$1,908Smryna$1,701
Lewes$1,943South Bethany$1,928

Wilmington, DE

Wilmington, DE cheap car insurance by quote for 30 to 55 y/o drivers.

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 least 20% lower than comparable insurers.

Wilmington Company30 Y/O45 Y/O55 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

Dover, DE

Dover, Delaware lowest price options for 30 and 55 year old drivers.

The average premium in Dover, Delaware, is over $2,000 per year.

If you want a cheaper rate, 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 Company30 Y/O45 Y/O55 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

Newark, DE

Newark, DE cheap auto insurance choices for drivers illustrated.

If you want to find big savings in Newark, get quotes from Grange, Progressive, and the Atlantic States.

I queried each at $2,122, $2,165, and $2,254 for a 30-year-old driver.

Which is 21% lower than 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 the 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 Company30 Y/O45 Y/O55 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

Middletown, DE

Middletown least expensive premium prices for drivers from Grange, Atlantic States, Progressive, and MetLife.

If you want a cheaper premium in Middletown, Delaware, 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 Company30 Y/O45 Y/O55 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

Milford, DE

Milford, Delaware least expensive premium options by price for drivers.

If you seek affordable auto insurance quotes in Milford, 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 Company30 Y/O45 Y/O55 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

Seaford, DE

Seaford, DE lowest prices by insurer for drivers from Grange, Donegal Group, Progressive, and Metlife.

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 Company30 Y/O45 Y/O55 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

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 available discounts.

And the best part of our comparison system is that it costs 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,e which could help 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/

DelawareStateNews.net

Shaun Fyffe

Shaun Fyffe

Shaun is an auto insurance expert with ten years of experience as a researcher and content writer. He's fluent in Spanish, teaching it plus AP computer science at Nyack Public Schools in New York. He has a B.A. in Spanish, B.S. in computer science from Florida State University, and an M.A. from SUNY New Paltz.

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