Car Insurance in Delaware

Car insurance quotes in Delaware

In Delaware, the average driver pays $1284 for a six-month policy.^[1] Compared to the national average, this is 18% more expensive. Affordable rates for Delaware drivers can be found at Travelers and USAA.

These higher-than-average rates explain why 39% of Zebra customers in Delaware searched for quotes because they feel they pay too much for their policies.^[2] Auto insurance rates comprise many factors, including a driver's age and driving history, so quotes vary greatly by applicant. The Zebra's experts analyzed average Delaware car insurance rates for different rating factors to help you find an affordable policy.

Read on to learn how much auto insurance costs in Delaware based on these variables, or submit your ZIP code above to receive custom insurance quotes from top companies.

Cheap full coverage in Delaware

A full coverage car insurance policy in Delaware will cost you about $1284 for six months. Our recommendation for the ideal car insurance policy, full coverage (policies with comprehensive and collision coverage) is pricier but offers the protection necessary for your vehicle. 56% of The Zebra's Delaware customers search for quotes for full coverage insurance. 

Budget-conscious drivers can find cheap full coverage quotes in Delaware from Travelers. See the table below for average rates from top Delaware insurance companies. 

Cheap liability insurance in Delaware

Liability insurance, often called state minimum coverage, represents the least amount of insurance you need to stay compliant with state laws. Because of its basic nature, it's also the most affordable car insurance option available.

In Delaware, the average cost for a 6-month liability insurance policy is $573, and about 44% of drivers in the state opt for this coverage alone. Below, you'll find a table showcasing liability insurance quotes in Delaware.

The Delaware Department of Insurance requires minimum liability limits of 25/50/10, meaning $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage per accident. The state also mandates personal injury protection (PIP) with limits of $15,000 per person and $30,000 per accident.

For a more detailed explanation of Delaware car insurance limits and laws.

What are the best car insurance companies in Delaware?

We chose Travelers as the top insurance company in Delaware, thanks to its competitive pricing, positive customer reviews, and high ratings from third-party sources. Backed by insights from J.D. Power, The Zebra Customer Satisfaction Survey, and our extensive industry experience, we're confident that Travelers is the best choice for Delaware drivers.^{[3, 4]}

Best car insurance companies in Delaware — honorable mentions

Although Travelers secured the top spot on our list, several other companies also performed strongly. To compile this list, we relied on ratings from the J.D. Power auto insurance survey and The Zebra's Customer Satisfaction Survey, which gathered insights from 2,722 drivers to identify the insurers delivering the highest customer satisfaction.

Delaware auto insurance quotes after an accident or ticket

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $1,000 per year.

In Delaware, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average. See below average auto insurance rates in Delaware after these common citations.

The Zebra's guide to Delaware car insurance laws for high-risk drivers

Serious violations such as reckless driving or a DUI will require adjustments to your insurance policy.

For more details on car insurance requirements in Delaware, check out our comprehensive guide. You can also find quick explanations below on how DUIs and SR22s impact your coverage.

Cheap auto insurance for teens and young drivers in Delaware

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Delaware, teen drivers pay especially high rates: $9,284 per year — that's $2,755 more than the nationwide average and over three times as much as a typical Delaware driver.

Car insurance price trends in Delaware

Since 2021, average car insurance costs in Delaware have been increasing steadily (with the exception of a small decrease in 2023). These trends are consistent with the fluctuations in car insurance premiums nationwide, but Delaware has seen marginally higher rates than the national average over the last five years.

Delaware's compact size, combined with its dense population, means more cars on the road and a greater risk of accidents. This, coupled with the high cost of repairs, pushes insurance premiums higher. In fact, our data shows that Delaware consistently ranks among the top 10 most expensive states for car insurance. 

Car insurance in popular Delaware cities

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

Have a look at the table below to see average car insurance costs in some of Delaware's biggest cities.

If your rates are rising faster than the average in your state, compare quotes and find the best deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.

Delaware car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Delaware auto insurance.