Average Cost of Auto Insurance in Delaware

Car insurance in Delaware averages $1,700 per year. Discover more about the the Average Cost of Auto Insurance in Delaware.

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Auto insurance is expensive in Delaware. The average auto insurance rate in Delaware is $1,700 per year — more than the national average by 19.1%.

Your auto insurance prices are dictated by more than just your location. Auto insurance premiums incorporate a number of components, such as a driver's age, credit rating, driving history, gender, and marital status.

We assessed mean Delaware car insurance prices by all of the main pricing components. Continue reading to learn how much car insurance costs in your location — or submit your zip code to receive unique rates from leading insurance companies.

 

Average Delaware car insurance rates by:

  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level
 
 

Average Auto Insurance Prices in Delaware by Age

It's unavoidable: as you grow older, your car insurance premiums shift. Generally speaking, car insurance is more expensive for teenage drivers, as car insurers view inexperienced drivers as less responsible.

In Delaware, car coverage costs $8,357 annually for a 16-year-old driver, versus $1,542 per year for a client in their 50s.

 
DELAWARE AUTO INSURANCE COSTS BY AGE
AgeAverage Yearly Premium
16$8,357.24
17$7,094.23
18$6,232.06
19$4,276.08
20s$2,390.16
30s$1,663.79
40s$1,649.63
50s$1,542.07
60s$1,563.21
70s$1,912.05

If you're shopping for car insurance for a teen driver, Delaware is the 44th cheapest state in which to buy auto insurance for a 16-year-old.

 

 

Average Car Insurance Premiums in Delaware by Gender

While gender does not have as sizable an impact on car insurance prices as a driver's location or age, it is incorporated as a rating factor by auto insurers.

 
DELAWARE AUTO INSURANCE RATES FOR WOMEN VS. MEN
GenderAverage Yearly Premium
Male$1,670.12
Female$1,692.72

If you think you might not be getting the best possible value for your money with your current auto insurance company, the best thing to do is to do some shopping.

 

 

Average Car Insurance Premiums in Delaware by Marital Status

One pro of wedlock — aside from the wedding gifts — is the improved deal you often get on your car insurance policy. In Delaware, married drivers save $52 annually on auto insurance policies. This is a smaller discount than the US post-nuptial discount of $76.

 
DELAWARE AUTO INSURANCE PRICES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,670.12
Married$1,617.82
Divorced$1,662.38
Widowed$1,658.62

Auto insurance for divorced drivers in Delaware is the 8th most expensive in the . If you're overpaying for your coverage, shop around. You could find a great policy for less!

 

 

Average Car Insurance Costs in Delaware by Credit Score

Auto insurance underwriters use credit score to get an idea of a potential customer's reliability. Historical data indicate motorists who maintain superior credit histories are often more insurable auto insurance customers: they less frequently file claims covered by insurance companies.

In Delaware, a driver who has unblemished credit saves $1,782.14 annually on car insurance, compared to a driver with a poor credit score. Read more about how credit score affects auto insurance outlays:

 
DELAWARE CAR INSURANCE COSTS BY CREDIT TIER
Credit QualityAverage Annual Premium
Very Poor (300-579)$3,225.90
Fair (580-669)$2,634.96
Good (670-739)$2,143.57
Very Good (740-799)$1,753.70
Exceptional (800-850)$1,443.75

Getting inexpensive auto insurance coverage with bad credit can be stressful. But we're here to assist. Review our guide to finding auto insurance with poor credit and learn how to save!

 

 

Average Car Insurance Costs by Coverage Tier in Delaware

The amount you pay every month for car insurance is dependent on the level of coverage you carry. Liability-only coverage generally costs less, while low-deductible comprehensive coverage costs more. In Delaware, the price difference between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $641.

 
DELAWARE AUTO INSURANCE PRICES BY COVERAGE
Coverage LevelAverage Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$1,156
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,653
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,792
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$1,028
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,522
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,661
State Minimum — Liability Only$846
State Minimum — $1,000 Comprehensive/Collision$1,344
State Minimum — $500 Comprehensive/Collision$1,487

If you are looking for a better deal on auto insurance, consider weighing rates to find affordable insurance coverage that meets state regulations.

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.