Cheap Car Insurance in Delaware

The Cheapest Delaware Car Insurance Rates are $45/Mo ($539/Yr) for Liability Car Insurance and $103/Mo ($1,240/Yr) for Full Coverage Insurance from USAA.

Discover if you are overpaying for car insurance below.

Enter ZIP Code

Invalid ZIP Code

Compare My Rates

With our comparison partner,

Updated: Jun 28, 2024

Written by: Daniel Robinson

Written by: Daniel Robinson Writer

Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar and obsesses over the Beatles and Baltimore Orioles.

Writer

Edited by: Rashawn Mitchner

Edited by: Rashawn Mitchner Managing Editor

RaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. She’s spent over a decade writing and editing articles about how to save money on things including travel, entertainment and household services.

Senior Editor

We at the MarketWatch Guides Auto Team have researched the cheapest car insurance options in Delaware. We took an in-depth look at the best car insurance companies and the cheapest car insurance companies in the First State, comparing rates, coverage, ratings and reviews.

In this article, you’ll find a list of recommended providers along with estimates for drivers from different profiles. You’ll also find key information about Delaware insurance laws and regulations.

Cheapest Delaware Auto Insurance

Delaware is one of the most expensive states when it comes to car insurance costs. But there are still affordable providers that offer great car insurance in Delaware at excellent rates. We’ll look at the cheapest car insurance companies and coverage options in the state below, beginning with the most affordable providers.

Cheapest Car Insurance Companies in Delaware

State Farm, USAA, Geico and Travelers are the cheapest car insurance companies in Delaware. Below you can find the overall and cost ratings for these providers.

Top Delaware Car Insurance Companies	Overall Rating	Cost Rating	Learn More
State Farm Learn More	9.2	9.0	Learn More
USAA Learn More	9.5	10.0	Learn More
Geico Learn More	9.2	9.4	Learn More
Travelers Learn More	9.1	8.8	Learn More

Top Delaware Car Insurance Companies	Overall Rating	Cost Rating	Learn More
State Farm Learn More	9.2	9.0	Learn More
USAA Learn More	9.5	10.0	Learn More
Geico Learn More	9.2	9.4	Learn More
Travelers Learn More	9.1	8.8	Learn More

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Delaware.

Car insurance companies have different calculation methods for premiums. This means no two quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Delaware.

Cheapest Car Insurance Coverage in Delaware

The coverage level you choose has a major impact on rates. Many car insurance quotes from providers include estimates for minimum liability and full coverage insurance. While minimum liability insurance is all that is required, it’s a good idea for drivers to consider full coverage auto insurance.

Below are the cheapest auto insurance options in Delaware for both coverage types.

Cheapest Delaware Liability Insurance

At $45 per month or $539 per year, USAA provides the cheapest liability car insurance in Delaware. State Farm and Travelers also offer affordable options for drivers. Below is the complete list of cheap liability coverage options in Delaware.

Cheapest Liability Car Insurance in Delaware	Estimated Monthly Cost	Estimated Annual Cost
USAA	$45	$539
State Farm	$50	$599
Travelers	$54	$645
Geico	$60	$718
California Casualty	$63	$756
Progressive	$71	$855
Donegal Insurance Group	$85	$1,017

Cheapest Delaware Full Coverage Insurance

USAA tends to offer the cheapest full coverage car insurance in Delaware, costing $103 per month or $1,240 per year. State Farm and Travelers can also be strong options for Delaware motorists. We highlight the complete list of cheapest full coverage options for auto insurance in Delaware below.

Cheapest Full Coverage Insurance in Delaware	Estimated Monthly Cost	Estimated Annual Cost
USAA	$103	$1,240
State Farm	$105	$1,265
Travelers	$124	$1,490
Geico	$127	$1,519
Progressive	$128	$1,537
California Casualty	$168	$2,010
Donegal Insurance Group	$182	$2,186

*USAA is only available to members of the military, veterans and their immediate family members.

These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.

Cheapest Car Insurance in Delaware

Age, driving history and a person’s credit scores can have a huge impact on the cost of car insurance in Delaware. Below we compare cheap car insurance estimates for Delaware drivers in these categories.

Cheapest Car Insurance for Young Drivers in Delaware

Young drivers can pay significantly more for car insurance than older adults. The series of tables below show the cheapest car insurance for young drivers in Delaware, along with estimated monthly and annual costs.

Cheapest Delaware Car Insurance for 16-Year-Olds

Our full coverage rate estimates show 16-year-olds can pay over $10,000 for car insurance if they are on their own plan. Many teen drivers join their parents’ plan to save on car insurance premiums.

Cheapest Car Insurance in Delaware	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$316	$3,786
Geico	$501	$6,017
Donegal Insurance Group	$507	$6,083
USAA	$516	$6,187
The General	$544	$6,526

Cheapest Delaware Car Insurance for 17-Year-Olds

Auto insurance prices are slightly lower for 17-year-olds at around $8,026 per year on average.

Cheapest Car Insurance in Delaware	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$284	$3,402
USAA	$298	$3,572
Geico	$323	$3,870
California Casualty	$354	$4,250
Donegal Insurance Group	$507	$6,083

Cheapest Delaware Car Insurance for 18-Year-Olds

Another year brings another year of car insurance savings. Our estimates show 18-year-olds pay about $6,961 per year for car insurance on average.

Cheapest Car Insurance in Delaware	Estimated Monthly Cost	Estimated Annual Cost
USAA	$250	$2,995
State Farm	$254	$3,046
Geico	$266	$3,189
California Casualty	$339	$4,067
The General	$465	$5,581

Cheapest Delaware Car Insurance for 21-Year-Olds

Drivers who turn 21 see much lower rates than teenage drivers. According to our estimates, 21-year-olds in Delaware pay about $3,363 for full coverage car insurance annually.

Cheapest Car Insurance in Delaware	Estimated Monthly Cost	Estimated Annual Cost
USAA	$155	$1,856
Geico	$167	$2,004
State Farm	$175	$2,101
Travelers	$197	$2,361
Progressive	$233	$2,799

Cheapest Delaware Car Insurance for 25-Year-Olds

25-year-old drivers in Delaware only pay slightly more for car insurance than middle-aged drivers. Our rate estimates show 25-year-olds pay around $2,518 per year. Good drivers can find cheap car insurance from the providers below.

Cheapest Car Insurance in Delaware	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$120	$1,444
USAA	$128	$1,535
Geico	$132	$1,586
Travelers	$137	$1,640
Progressive	$152	$1,824

Compare Car Insurance Rates

Get matched with a top provider and compare instant quotes in just a few clicks

Check Availability

With our comparison partner,

Cheapest Delaware Car Insurance for High-Risk Drivers

Drivers with a good driving history and good credit can find the best car insurance premiums. Find out how speeding tickets, accidents, DUIs or having poor credit can affect your rates below.

Cheapest Delaware Car Insurance for Drivers With a Speeding Ticket

Having a clean driving record reduces your car insurance rate significantly. After a speeding violation, average car insurance rates in Delaware skyrocket to about $2,257 per year for full coverage.

Cheapest Car Insurance in Delaware	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$100	$1,197
Travelers	$109	$1,304
USAA	$118	$1,421
Progressive	$151	$1,813
Nationwide	$157	$1,885

Cheapest Delaware Car Insurance for Drivers With a Recent Accident

Delaware drivers pay an average of $2,631 per year after an at-fault accident. The cost of your policy will increase since providers base insurance premiums on safe driving habits.

Cheapest Car Insurance in Delaware	Estimated Monthly Cost	Estimated Annual Cost
USAA	$92	$1,107
State Farm	$108	$1,301
Travelers	$109	$1,304
Progressive	$151	$1,809
Nationwide	$189	$2,264

Cheapest Delaware Car Insurance for Drivers With a DUI

The cost of your auto insurance policy will increase significantly after a DUI conviction since you’ll likely be flagged as a high-risk driver. In general, drivers with a recent DUI pay $2,882 per year for auto insurance coverage in Delaware.

Cheapest Car Insurance in Delaware	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$100	$1,197
Progressive	$146	$1,740
USAA	$166	$1,991
Travelers	$176	$2,115
Nationwide	$242	$2,909

Cheapest Delaware Car Insurance for Drivers With Poor Credit

Having a poor credit score can cause you to pay hundreds of dollars more for car insurance. On average, Delaware drivers with bad credit pay about $3,255 per year for coverage.

Cheapest Car Insurance in Delaware	Estimated Monthly Cost	Estimated Annual Cost
USAA	$158	$1,898
Nationwide	$173	$2,083
Geico	$176	$2,110
Progressive	$176	$2,118
Travelers	$181	$2,172

Best Cheap Car Insurance in Delaware

For those who would like to know about the cheapest auto insurance in the First State, the sections below contain more detailed information.

#1 State Farm: Editor’s Choice

9.4/10

Overview

It’s easy to find competitive car insurance rates in Delaware with State Farm, especially for high-risk drivers and teen drivers. The nation’s largest insurer offers solid coverage options and many car insurance discounts. The company has high customer satisfaction and financial strength ratings from the BBB and AM Best, respectively.

Keep reading: State Farm insurance review

Industry Standing

J.D. Power regional rating: 851/1,000
AM Best financial strength rating: A++
Better Business Bureau (BBB) rating: A+

#2 USAA: Low Rates for Military

9.2/10

Overview

J.D. Power regional rating: 896/1,000
AM Best financial strength rating: A++
BBB rating: A+

Industry Standing

USAA offers the second-cheapest car insurance coverage on average in Delaware and is available for military members, veterans and their families. Those who qualify for coverage can expect excellent customer service and a reliable claims process. The insurer scored the highest of any provider for customer satisfaction in the mid-Atlantic region in the J.D. Power 2021 U.S. Auto Insurance Study℠.

Keep reading: USAA insurance review

#3 Geico: Affordable for Most Drivers

9.1/10

Overview

Delaware drivers can’t go wrong with Geico, our top choice for car insurance nationwide in 2022. You can save on your insurance premium by taking advantage of Geico’s many car insurance discounts. The company also offers add-on coverage options such as mechanical breakdown insurance and rental car reimbursement.

Keep reading: Geico insurance review

Industry Standing

J.D. Power regional rating: 835/1,000
AM Best financial strength rating: A++
BBB rating: A+

#4 Travelers: Most Coverage Options

9.5/10

Overview

Our rate estimates show Travelers is a good option for high-risk drivers in Delaware. The company stands out due to its range of add-on coverage options, including new car replacement, accident forgiveness and rideshare coverage. The insurer is backed by high ratings from the BBB and AM Best.

Keep reading: Travelers insurance review

Industry Standing

J.D. Power regional rating: 836/1,000
AM Best financial strength rating: A++
BBB rating: A

Compare Car Insurance Rates

Get matched with a top provider and compare instant quotes in just a few clicks

Check Availability

With our comparison partner,

Average Cost of Car Insurance in Delaware

According to our rate estimates, Delaware is the seventh-most-expensive state for car insurance. Our cost research shows that Delaware drivers pay an average of $2,169 per year or $181 each month for full coverage car insurance. Delaware’s average auto insurance rate is about 25% higher than the national average of $1,730 per year.

Delaware Car Insurance Cost by Age

Age is a huge factor in how much Delaware car insurance costs. Young drivers on their own plans can pay almost five times more than what middle-aged drivers pay.

Age	Estimated Monthly Cost	Estimated Annual Cost
16	$872	$10,461
17	$669	$8,026
18	$580	$6,961
19	$425	$5,096
21	$280	$3,363
25	$210	$2,518
30	$190	$2,278
40	$185	$2,223
45	$183	$2,192
50	$166	$1,997
55	$164	$1,966
65	$166	$1,996
75	$192	$2,304

Delaware Car Insurance Cost by City

Delaware residents can expect to find cheap auto insurance rates in the central and southern portions of the state. Those who live in the northern portions of the state can expect to pay higher rates for car insurance.

City in Delaware	Estimated Monthly Cost	Estimated Annual Cost
Ocean View	$108	$1,297
Lewes	$109	$1,305
Selbyville	$110	$1,324
Delmar	$113	$1,355
Milton	$113	$1,358
Harrington	$114	$1,373
Georgetown	$115	$1,378
Camden	$115	$1,382
Bridgeville	$116	$1,390
Millsboro	$116	$1,391
Laurel	$116	$1,395
Milford	$117	$1,399
Seaford	$117	$1,401
Dover	$117	$1,402
Smyrna	$117	$1,408
Clayton	$117	$1,408
Middletown	$126	$1,510
Townsend	$128	$1,537
Brookside	$136	$1,628
Newark	$137	$1,647
Hockessin	$138	$1,661
Bear	$140	$1,676
Claymont	$140	$1,678
Wilmington	$149	$1,789
New Castle	$152	$1,828

*City averages apply to the three most popular providers in each location.

Factors That Affect Delaware Car Insurance Rates

Keep in mind your insurance rates will vary based on provider, which is why we recommend getting multiple car insurance quotes. There are also several personalized factors that influence the rates you pay for coverage.

Some factors insurance companies consider when calculating rates include:

Age
Gender
Marital status
Location
Driving history
Credit score

Delaware Car Insurance Requirements

Delaware drivers must carry liability car insurance and personal injury protection (PIP). The minimum coverage limits drivers need to carry include:

Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $10,000 per accident
Personal injury protection (PIP): $15,000 per person and $30,000 per accident

For further protection, consider purchasing a full coverage car insurance policy, which includes liability coverage, comprehensive coverage and collision coverage. You may also want to consider underinsured motorist and uninsured motorist coverage to protect you if another driver without enough insurance causes an accident.

Is Delaware an At-Fault State?

Delaware is a fault-based state when it comes to car insurance. This means the person who was at fault for causing the car accident is responsible for paying the cost of all injuries and property damage. However, Delaware requires drivers to carry PIP coverage, which is typically required for no-fault states.

Is It Illegal To Not Have Car Insurance in Delaware?

According to the Delaware Division of Motor Vehicles (DMV), drivers who don’t have proof of insurance will be fined at least $1,500 for the first offense and $3,000 for each offense after that within three years. Their driver’s license may also be suspended for six months.

How To Get Car Insurance in Delaware

State Farm, USAA and Geico are all great options for car insurance in Delaware. However, what’s best for someone else may not be the best for you. Comparing car insurance quotes from providers allows you to see which one offers you the best coverage and prices for your situation.

Compare Car Insurance Rates

Get matched with a top provider and compare instant quotes in just a few clicks

Check Availability

With our comparison partner,

Cheap Auto Insurance in Delaware: The Bottom Line

In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Delaware. We also looked at average cost of car insurance and coverage requirements in the First State.

Cheap Car Insurance in Delaware: FAQ

Below are frequently asked questions about cheap car insurance in Delaware.

According to our rate estimates, Delaware auto insurance is about 25% more expensive than the national average. The average 35-year-old Delaware driver pays $2,169 per year for full coverage car insurance.

Based on our rate estimates, USAA tends to be the cheapest car insurance company for both minimum liability and full coverage car insurance. Minimum coverage averages $45 per month or $539 per year, while full coverage costs an average of $103 per month or $1,240 per year. These rate estimates are based on a 35-year-old driver with a clean driving record and good credit history.

Our cost estimates show that Delaware drivers pay an average of $2,169 per year for full coverage auto insurance. This is above the national average of $1,730 per year.

Delaware drivers are required to carry liability insurance in the amount of 25/50/10 and PIP coverage. This means drivers must have $25,000 per person and $50,000 per accident bodily injury coverage, $10,000 per accident property damage liability and $15,000 per person and $30,000 per accident PIP coverage.

According to our rate estimates, Geico can be the cheapest car insurance provider for many types of drivers. Good drivers pay an average of $1,308 for full coverage insurance with Geico, which is about 24% cheaper than the national average of $1,730 per year.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials: