fbpx
Phone: 1-(855) 233-7818

Are you currently insured? Yes         No

Start Quote

Delaware Low-Cost Auto Insurance & Minimum Requirements, plus Best Insurers by Age

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 nearly 30% 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, 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 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.

Least expensive policy options by price for 25 year old.

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) cover.

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.

Least expensive insurance premium price for 30 y/o in Delaware.

If the costs of medical bills or the costs of property damages exceeds a certain amount of 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.

Affordable policy options by price for 35 y/o driver.

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.

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

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 is minimum $10,000 although it is not required for drivers in Delaware.

inexpensive car insurance by price for 55 y/o in Delaware.

Who Has the Cheapest Auto Insurance in Delaware?

Below is a table list of the cheapest to the highest cost carriers from 25 to 55 years of age.

Overall the three lowest price insurers are Grange, Progressive, and 21st Century.

At times Atlantic States and Travelers are cheaper than the top three for certain ages.

Typically they are drivers 35 years of age and up.

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 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 table 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.

CompanyWritten PremiumsRate Change > 18 Months# 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 cover or are completely uninsured.

Also, there could be many drivers out-of-state driving through Delaware which may not have insurance too.

Average Rate by City

Below is the average premium by city in Delaware. Included is the population size.

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

CityAverage PremiumPopulationCityAverage PremiumPopulation
Bridgeville$1,9342,302Milford$1,87610,979
Camden$2,0093,489Millsboro$1,8984,293
Claymont$1,8973,157Montchanin$1,80138
Delaware City$1,8761,742New Castle$1,9765,357
Felton$1,9121,408Newport$1,9211,050
Greenville$1,9132,326Ocean View$1,9272,076
Harrington$1,9443,679Seaford$1,9667,736
Hockessin$1,76913,527Selbyville$1,8932,421
Laurel$1,9084,160Smryna$1,70111,371
Lewes$1,9433,074South Bethany$1,928508

Wilmington, DE

Wilmington cheapest premium choices for 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.

Each queried 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.

Each at $987 and $1,1012 respectfully or 27% below the “mean” rate in Wilmington.

All insurers illustrated at at least 20% lower than then 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

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

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

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

If you want a cheaper rate then start by getting quotes with Progressive, Grange, and Atlantic States.

Each queried at $1,687, $1,690, and $1,732 respectfully for a 30 year old driver.

A 45 year 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.

Each queried 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

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

Newark cheap premium choices for drivers illustrated.

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.

Each queried 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

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

Middletown least expensive premium prices for drivers.

If you want a cheaper premium in Middletown 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.

Each were queried 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 driver about the same age.

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

Middletown is a small quaint place in Delaware with 21,000 residents.

Early on it was a tavern shop 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

Milford least expensive premium options by price for drivers.

If you are seeking the most affordable 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.

Each queried 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

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

Seaford, DE lowest prices by insurer for drivers.

Residents in Seaford can find cheaper auto insurance with Grange, Donegal Group, and Atlantic States.

Each queried 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 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

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. 

Residents and tourists love the historic sites. One of the most visited is Poplar Hill Mansion.

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 minimum coverage don’t be afraid to ask the agent for discounts or other types of 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/services/

DelawareStateNews.net

Shaun Fyffe

Shaun Fyffe

Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

Comments are closed.