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
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.
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.
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.
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.
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.
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 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 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.
| 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 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.
| 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.
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 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 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 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.
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 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 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 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 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
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 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.
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 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.
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/
