Cheap Delaware Car Insurance

Find affordable auto insurance that works for you in Delaware. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Here's what you need to know when driving in Delaware

Across the First State, there are 13,613 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel. Read on to learn how much auto insurance costs in Delaware based on top rating factors.  Then, submit your ZIP code above to ensure you get the most bang for your buck by comparing personalized quotes from top insurers.


 

Affordable insurance companies in Delaware

What's the cheapest car insurance in Delaware?
RankCompany NameAvg. Annual Premium
1USAA$1,001
2Travelers$1,073
3Cal Casualty$1,319
4Nationwide$1,551
5MetLife$1,710
6Donegal Mutual$1,801
7State Farm$1,860
8Progressive$2,307
9Allstate$3,591
10Sentry$4,815

Compare quotes from dozens of insurance companies that provide coverage throughout Delaware. Enter your ZIP code below to get started.

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Cheap Insurance for Good Drivers in Delaware

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Delaware drivers without a recent at-fault accident save 35% on their car insurance, on average — above the national average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$37818.44%
No Accidents$91035.27%
Good Credit$1,55648.23%

Cheap Insurance for Young Drivers in Delaware

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Delaware, one of the most expensive states for teen drivers, the typical teenager pays $6,683 per year — about $1,700 more than the national annual average.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$7,311$8,357
17$7,065$7,094
18$7,188$6,232
19$5,943$4,276

Cheap Car Insurance for Bad Drivers in Delaware

If you have no at-fault accidents, speeding tickets, or DUIs, you can save money on car insurance. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It's especially important to avoid at-fault accidents, speeding tickets and DUI citations in Delaware, where insurance penalties are larger than in other states. In fact, a single speeding ticket could raise your car insurance rates by 18% in the Diamond State.

Rating FactorAnnual Rate% Increase
At-Fault Accident$2,58035.27%
DUI$2,94443.27%
Speeding Violation$2,04818.44%
Bad Credit$3,22648.23%

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Top rated car insurance companies in Delaware

Every car insurance company advertises its affordable premiums. But just like with any service, the cheapest auto insurance isn't always the best choice. Considering the stakes, it's worth doing your research to discover an auto policy that can cover your car completely after an accident. Consider weighing your options to unearth the best value, rather than settling for the cheapest auto insurance available.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AllstateAbove averageAverageSuperior4.3 / 5
Cal CasualtyN/AN/AGoodN/A
Donegal MutualN/AN/AExcellentN/A
MetLifeExcellentBelow averageExcellentN/A
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5

 

Delaware auto insurance laws

State minimum insurance requirements in Delaware

Delaware drivers must maintain liability insurance and personal injury protection coverage at the below minimum levels. 

Liability

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $10,000 per accident

Personal Injury Protection (PIP)

  • $15,000 per person
  • $30,000 per accident

Optional coverage in Delaware (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

If you choose the legal minimum coverage in Delaware, you'll owe an average of $1,048 yearly. This cost is more costly than the national average by 59%. If you opt for better auto insurance coverage, you can select a policy with comprehensive and collision coverage, protecting against costs incurred by auto crashes, theft, or weather incidents. It's worth noting that better car insurance comes at a cost: in Delaware, a comprehensive insurance policy with a $1,000 deductible costs $1,534, 46% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, expect to pay 61% more than you might for a liability-only policy.

Learn more about car insurance laws in Delaware.

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How tickets change insurance rates in Delaware

When you receive a ticket your car insurance rates will probably go up. By how much depends on the violation's severity, your insurance company's pricing strategy, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below car insurance costs in Delaware after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$3,46389%$1,635
Refused Breathalyzer/Chemical Test$3,41187%$1,583
DUI$3,41187%$1,583
Racing$3,38685%$1,558
Reckless Driving$3,27279%$1,444
Driving with a Suspended License$3,09169%$1,263
At-Fault Accident$2,67346%$845
Driving with an Open Container$2,37030%$541
Operating a Vehicle Without Permission$3,00564%$1,177
Passing a School Bus$2,79453%$966
Improper Passing$2,21321%$385
Following Too Closely$2,21321%$385
Speeding$2,33328%$505
Failure to Stop at a Red Light$2,21321%$385
Illegal Turn$2,21321%$385
Driving Wrong Way/Wrong Lane$2,21321%$385
Failure to Yield$2,21321%$385
Speeding in a School Zone$2,20721%$379
Driving Too Slowly$2,20721%$379
Distracted Driving$2,10415%$276
Driving with Expired Registration$2,69848%$870
Failure to Show Documents$2,15918%$330
Not-at-Fault Accident$1,8662%$37
Failure to Use Child Safety Restraint$1,8662%$37
Failure to Wear a Seat Belt$1,8662%$37
Driving Without Lights$1,8662%$37

 

Delaware Car Insurance FAQs

Who has the cheapest car insurance in Delaware?

USAA ($500), Travelers ($536) and Nationwide ($775) are the cheapest providers in Delaware.

How much is car insurance in Delaware?

Car insurance in Delaware is expensive — 20% greater than the rest of the US. A standard six-month policy will set you back $140 a month.

What is the minimum insurance in Delaware and penalties for not having it?

Delaware recovers coverage limits at:

  • Bodily Injury: $25K/$10K
  • Property Damage: $10K
  • Personal Injury Protection (PIP) $15K/$30K

How much does car insurance cost in Delaware cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Harrington, Delaware, and the most expensive in Bear, Delaware.

RankCityAvg. Annual Premium
1Bear$2,156
2Wilmington$2,153
3Brookside$2,100
4Hockessin$2,014
5Newark$1,976
6Middletown$1,906
7Smyrna$1,791
8Dover$1,678
9Milford$1,574
10Harrington$1,573

 

Recent Questions:

If I'm on the deed but not the mortgage, can I still be on the homeowners insurance?

Thanks for the question. I see no issue with you being on the insurance if you are on the deed to the property.
Dec 15, 2019 Wilmington, DE

When filling out quotes, do I have to disclose an accident that my friend had while driving my car?

The question pertains to you as a driver. The same would go for tickets.
Oct 3, 2017 Wilmington, DE

Do I need insurance coverage for my new scooter?

There are a few things you will need before you take your new scooter out on the road to be legal in Delaware. You will need a motorcycle license and you must register and title your scooter with the state.
Apr 12, 2017 Georgetown, DE

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.