Cheap Delaware Car Insurance

Compare the best rates from 3 car insurance companies in Delaware.

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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.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Delaware?
RankCompany NameAvg. Annual Premium
1USAA$760
2Travelers$1,073
3Nationwide$1,267
4Atlantic States$1,305
5Cal Casualty$1,319
6Titan$1,358
7GEICO$1,518
8Donegal Mutual$1,528
9National Grange Mutual$1,548
10MetLife$1,710
11Progressive$1,799
12State Farm$1,927
13Encompass$2,009
14Allstate$2,863
15Sentry$3,662
16Liberty Mutual$6,343

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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%

What are the Best Auto 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.

Review top auto insurance companies' financial strength and claims satisfaction levels to better understand the quality of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to fulfill its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
Atlantic StatesNot RatedExcellent
Cal CasualtyNot RatedExcellent
Donegal MutualNot RatedExcellent
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
National Grange MutualNot RatedExcellent
Nationwide4Superior
Progressive3Superior
SentryNot RatedSuperior
State Farm3Superior
Titan3Excellent
Travelers3Superior
USAA5Superior

 

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What is the Best Car Insurance Coverage in Delaware?

The legal minimum car insurance in the state of Delaware is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

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.

Contrast average expenditures for liability-only and comprehensive coverage levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Delaware$1,048.01$1,534.41$1,683.70
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Delaware

In Delaware, state minimum coverage requirements are as follows:
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

Liability coverage is legally required in Delaware and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Delaware, the minimum is listed as 25/50/10 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Delaware, minimum PIP coverage is explained below:

  • $15,000 Personal Injury Protection per person. This is the maximum dollar amount that pays for a single person injured inside your vehicle, including the driver regardless of fault.
  • $30,000 Personal Injury Protection per accident. This is the maximum dollar amount that pays for injuries suffered inside your vehicle during an accident if more than one person is hurt, regardless of fault.

These numbers reflect the minimum limits required in Delaware but higher coverage amounts are available with most companies.

Delaware Car Insurance FAQs

Is Delaware a no-fault insurance state?

No. In Delaware, you are only legally and financially responsible for damages you cause in a collision, unlike a no-fault state.

Does Delaware accept online auto insurance?

If your current company is recognized by Delaware's DMV department, online insurance is accepted.

Do you need car insurance in Delaware?

Yes. In order to legally register and drive your vehicle on public roads, your vehicle needs to be insured.

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 Millsboro, Delaware, and the most expensive in Edgemoor, Delaware.

RankCityAvg. Annual Premium
1Edgemoor$2,297
2Wilmington$2,288
3Bear$2,267
4Wilmington Manor$2,213
5Elsmere$2,189
6New Castle$2,162
7Brookside$2,097
8Claymont$2,069
9Hockessin$2,010
10Newark$1,999
11Pike Creek$1,962
12Middletown$1,937
13Smyrna$1,856
14Dover$1,695
15Camden$1,664
16Highland Acres$1,640
17Harrington$1,612
18Seaford$1,600
19Georgetown$1,587
20Milford$1,581
21Laurel$1,577
22Millsboro$1,547

Recent Delaware Car Insurance Questions and Answers

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

The questions pertains to you as a driver. The same would go for tickets.

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.


How Do Tickets Impact Delaware Car Insurance Rates?

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 Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Delaware area, while also getting an insider view of the First State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.