Car Insurance in Delaware
- Cal Casualty offers the cheapest liability at $77/mo.
- Cal Casualty has the cheapest full coverage at $181/mo.
Enter your ZIP code to start your search for Delaware car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Delaware at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Delaware
The average car insurance rate in Delaware is $1,383 for a six-month policy — 19% more expensive than the U.S. average.[1] But don’t be fooled — your location is just one piece of the puzzle. Car insurance rates in Delaware are shaped by a variety of factors, including your age and driving history.
According to our data, 42% of Delawareans believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Keep reading to discover what you can expect to pay for coverage, or enter your ZIP code above for free quotes from top insurers.
Cheapest full coverage in DE
Cal Casualty offered the cheapest full coverage in Delaware at $181/mo.
Cheapest liability coverage in DE
Cal Casualty offered the cheapest liability coverage in Delaware at $77/mo.
Best customer service in DE
CSAA Insurance Group (AAA) scored 685 in JD Power's 2026 study — the highest in Delaware.
*While USAA offers the cheapest rates in Delaware, it’s excluded as our top choice due to its strict eligibility guidelines. The Zebra focuses on providers accessible to the most consumers. If you’re eligible for USAA, it’s an excellent choice.
Cheap full coverage insurance in Delaware
In 2026, the average cost of full coverage insurance in Delaware is $1,383 for a six-month policy. Full coverage is a popular choice here, with 57% of The Zebra’s Delaware customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Cal Casualty — they’re known for offering some of the most competitive rates in the state.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $919 | $153 |
| Cal Casualty | $1,085 | $181 |
| GEICO | $1,193 | $199 |
| Encompass | $1,404 | $234 |
| State Farm | $1,419 | $236 |
| Progressive | $1,478 | $246 |
| Allstate | $2,017 | $336 |
Source: The Zebra
Local insights
Drivers near you in Delaware weigh in
"Take the Delaware Defensive driver course. Pretty big insurance discounts and you only have to renew every 3 years."
-Reddit user on r/Delaware
"I switched from USAA to State Farm. Save a little on auto. More on home."
-Reddit user on r/Delaware
Compare car insurance rates from the best companies in Delaware.
Cheap liability insurance in Delaware
The average cost for liability insurance in Delaware is $614 for a 6-month policy.[1] For our user profile, Cal Casualty offers the most affordable liability insurance options in the state.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Delaware, a full coverage insurance policy with a $500 deductible costs $1,383, considerably more than liability-only car insurance.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $334 | $56 |
| Cal Casualty | $462 | $77 |
| GEICO | $528 | $88 |
| Progressive | $643 | $107 |
| State Farm | $679 | $113 |
| Encompass | $809 | $135 |
| Allstate | $940 | $157 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our data, 43% of Delaware drivers carry only the state-required liability coverage.[2] In Delaware, the law mandates minimum liability limits of 25/50/10. Learn more about car insurance requirements in the state of Delaware with our helpful guide.
If you own a vehicle in Delaware, your auto insurance policy must include Personal Injury Protection (PIP) coverage.[4] Unlike liability insurance, PIP pays for your own medical expenses, lost wages, and certain other injury-related costs after a crash, regardless of who caused the accident. Delaware law requires minimum PIP limits of $15,000 per person and $30,000 per accident, helping ensure injured drivers and passengers can receive benefits quickly without waiting for fault to be determined.
Renata Balasco — licensed insurance writer and senior content specialist at The Zebra
Updating data...
| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $334 | $919 |
| State Farm | $679 | $1,419 |
| Sentry | $1,313 | $3,345 |
| Progressive | $643 | $1,478 |
| MetLife | $556 | $1,216 |
| GEICO | $528 | $1,193 |
| Encompass | $809 | $1,404 |
| Cal Casualty | $462 | $1,085 |
| Allstate | $940 | $2,017 |
Source: The Zebra
What are the best car insurance companies in Delaware?
We’ve named CSAA Insurance Group (AAA) as Delaware's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
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 Georgetown, 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.
Source: The Zebra
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Source: The Zebra
Real people. Real help. Right here.
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Johnny’s insurance experience began when he joined The Zebra in 2020 as a Customer Experience Agent, supporting the sales team by servicing policies …
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years experience in property & casualty insurance
Delaware auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Delaware. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Delaware insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Delaware car insurance laws for high-risk drivers
For high-risk drivers in Delaware with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Delaware's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Delaware DUI laws
In Delaware, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Delaware
If you're convicted of a DUI or DWI violation in Delaware, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Delaware.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $1,524 | $254 |
| Progressive | $1,775 | $296 |
| State Farm | $2,260 | $377 |
| GEICO | $2,501 | $417 |
| Cal Casualty | $2,635 | $439 |
| Allstate | $2,732 | $455 |
| Encompass | $5,996 | $999 |
Source: The Zebra
Delaware FR-19 laws
The state of Delaware uses an FR-19 form in place of the similar SR-22. The DMV uses the FR-19 form to verify that your registered vehicle is insured. It is usually needed after an insurance lapse or to reinstate a suspended license.
How to acquire an FR-19 in Delaware
If you already have auto insurance, getting an FR-19 certificate is straightforward. Contact your car insurance company and ask them to file an FR-19 request for you.
Find an affordable policy in Delaware in minutes!
How have car insurance costs in Delaware changed?
Delaware's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Delaware |
|---|---|
| 2026 | $2,553 |
| 2025 | $2,774 |
| 2024 | $2,320 |
| 2023 | $2,072 |
| 2022 | $2,117 |
| 2021 | $1,623 |
| 2020 | $1,615 |
| 2019 | $1,787 |
| 2018 | $1,877 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Delaware car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Delaware auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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2026 U.S. Auto Insurance Study. J.D. Power
2026 U.S. Auto Insurance Study. J.D. Power
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Personal Injury Protection (PIP) Coverage. Delaware Division of Motor Vehicles
Personal Injury Protection (PIP) Coverage. Delaware Division of Motor Vehicles
RECENT QUESTIONS about car insurance in DE
Can I get car insurance that only charges me when I drive?
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 editorial 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.
