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Delaware Car Insurance

Compare rates from 10 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.

Car Insurance Laws

State minimum insurance requirements in Delaware

In Delaware, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $15,000 per person
  • Bodily Injury $30,000 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 15/30/10 and explained below:

$15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$30,000 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.

Top Delaware Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Delaware?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Delaware you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Delaware?

Uninsured Drivers in Delaware
Delaware

12%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Delaware cities?

Rank City Avg. Annual Premium
1 Wilmington $2,292
2 Wilmington Manor $2,213
3 Brookside $2,164
4 New Castle $2,162
5 Edgemoor $2,141
6 Middletown $2,111
7 Newark $2,044
8 Bear $2,041
9 Claymont $2,028
10 Elsmere $2,008
11 Hockessin $1,961
12 Pike Creek $1,941
13 Smyrna $1,799
14 Dover $1,642
15 Highland Acres $1,640
16 Camden $1,639
17 Seaford $1,639
18 Milford $1,634
19 Harrington $1,627
20 Laurel $1,618
21 Georgetown $1,567
22 Millsboro $1,547

More questions?

Check out other FAQs and ask your own Delaware car insurance questions here.
Driving Laws

Delaware Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on all cell phones for school bus drivers and Learner or Intermediate Licenses
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities

34

Per Year in Delaware
Annual DUI Arrests
Delaware
215
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's expensive to get car insurance in Delaware!

Dang! Delaware is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since Delaware might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Delaware?
Rank Company Name Avg. Annual Premium
1 USAA $760
2 Travelers $1,073
3 Nationwide $1,267
4 Atlantic States $1,305
5 Cal Casualty $1,319
6 Titan $1,358
7 GEICO $1,518
8 Donegal Mutual $1,528
9 National Grange Mutual $1,548
10 MetLife $1,710
11 Progressive $1,799
12 State Farm $1,927
13 Encompass $2,009
14 Allstate $2,863
15 Sentry $3,662
16 Liberty Mutual $6,343
Additional Resources:

Delaware Car Insurance

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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.

Click here to learn more.

Prompt

So, Delaware 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.

Please Note:

  • 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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.