In a Nutshell
The average cost of car insurance in Delaware varies based on individual circumstances, such as credit score, age, driving history and vehicle. We’ve crunched the data for several different driver profiles and found some of the lowest-cost insurers for basic coverage in The First State.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Before you pack up the car for a day at the beach, it’s important to ensure your ride is protected.
But could you be saving money on your Delaware car insurance? We looked at estimated car insurance rates across insurance companies in the state and calculated average cost, as well as insurers offering the cheapest estimated basic-coverage rates for several driver needs and profiles.
We based our calculations on a relatively neutral driver profile — for example, no tickets, claims, or accidents — to evenly compare and get a baseline view of insurers’ rates (see our full methodology). The rates you get may be higher or lower depending on your individual driving history, age, vehicle, mileage, coverage options and other factors that affect car insurance.
Read on to learn about Delaware’s average car insurance rates and our findings for the cheapest options for minimum coverage.
- Cost of car insurance in Delaware
- 5 cheapest car insurance companies in Delaware
- Cheapest full coverage car insurance in Delaware
- Cheapest state-minimum car insurance in Delaware
- Cheapest car insurance for good credit in Delaware
- Cheapest car insurance for poor credit in Delaware
- Cheapest car insurance for drivers with multiple claims in Delaware
- Cheapest car insurance for young drivers in Delaware
- Delaware auto insurance requirements
- Is usage-based insurance available in Delaware?
- FAQs about cheapest car insurance rates in Delaware
- Methodology
Cost of car insurance in Delaware
Average monthly premiums for car insurance in Delaware range from just under $120 up into the $200s, depending on the type of coverage and driver profile.
Average monthly auto insurance premiums in Delaware
| Driver or coverage | Avg. monthly cost |
|---|---|
| Full-coverage car insurance in Delaware | $280.09 |
| State-minimum car insurance in Delaware | $119.96 |
| Drivers with poor credit in Delaware | $209.99 |
| Drivers with multiple claims in Delaware | $231.78 |
| Young drivers in Delaware | $211.00 |
5 cheapest car insurance companies in Delaware
Remember that these rates are based on a specific Delaware profile, as detailed in our methodology, so your rates may differ.
Unless otherwise noted, our Delaware driver has a credit score between 680 and 719, drives a car worth $20,000 to $30,000, has no tickets or coverage gaps and is between 36 and 45 years old. Not you? No worries — we’ve also calculated the cheapest minimum-coverage car insurance rates for Delaware drivers with various credit scores, driving histories and ages. Read on for more.
1. Travelers
Travelers car insurance is available in most states and offers customers who remain accident- and violation-free with a decreasing deductible every six months. Standout coverage options include new-car replacement coverage and accident forgiveness. Prospective customers can get a quote online, over the phone or through a local agent. Read reviews of Travelers to learn more.
2. USAA
USAA is available to military members and their families. USAA auto insurance is available nationwide with various discount opportunities, including unique savings for deployed military members. The USAA app allows members to manage their policy from their mobile devices. USAA offers standard and optional coverage options. Read reviews of USAA to learn more.
3. Geico
Geico offers a wide range of coverage options and many opportunities to save money for safe driving habits, safety equipment and customer loyalty. Its mobile app allows users to manage their policies, pay bills, request roadside assistance and more. Read reviews of Geico to learn more.
4. Atlantic States Insurance
Atlantic States Insurance is a subsidiary of Donegal Group and offers standard coverage options and optional add-ons like towing and labor and rental reimbursement coverage. A handful of discounts are also available.
5. Cal Casualty
In addition to standard car insurance coverage, Cal Casualty offers several optional coverage options, including custom equipment coverage, pet injury coverage and identity theft protection. It also has policies designed for educators, firefighters, police officers, nurses and public safety professionals.
Cheapest full-coverage car insurance in Delaware
Full coverage insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. Delaware mandates a minimum 25/50/10 auto insurance policy, which is not considered full coverage, plus PIP minimums of $15,000 per person and $30,000 per accident. But your lender may require full coverage if you are financing your car.
The following companies have the lowest estimated rates for drivers interested in full-coverage insurance.
5 cheapest full-coverage car insurance companies in Delaware
| 1 | Travelers | $134.29/month |
| 2 | Atlantic States Insurance | $159.63/month |
| 3 | USAA | $170.29/month |
| 4 | National Grange Mutual | $202.17/month |
| 5 | Geico | $223.00/month |
Cheapest state-minimum car insurance in Delaware
Delaware requires drivers to carry a minimum amount of liability insurance and personal injury protection. This insurance, known as state-minimum insurance, is often the least expensive coverage you can carry.
The following companies have the lowest estimated rates for drivers interested in state-minimum coverage only.
5 cheapest car insurance companies in Delaware for state-minimum coverage
| 1 | Travelers | $57.71/month |
| 2 | USAA | $66.92/month |
| 3 | Geico | $83.07/month |
| 4 | Atlantic States Insurance | $83.46/month |
| 5 | Cal Casualty | $94.71/month |
Cheapest car insurance for good credit in Delaware
Your credit is one of the many factors determining car insurance costs. In general, if you have a high credit score, you’ll pay less for insurance than someone considered to have a poor credit score.
Here are the five cheapest options for basic coverage for a Delaware driver with good credit.
5 cheapest car insurance companies in Delaware for those with good credit
| 1 | Travelers | $46.63/month |
| 2 | USAA | $57.18/month |
| 3 | Geico | $75.37/month |
| 4 | Cal Casualty | $76.65/month |
| 5 | Atlantic States Insurance | $82.15/month |
Cheapest car insurance for poor credit in Delaware
On the flip side, drivers with poor credit may end up paying more for car insurance than other drivers. However, credit is just one factor that determines the cost of your car insurance. Other things, like your coverage and driving history, can also affect how much you pay monthly.
The following companies have the lowest estimated basic-coverage rates for drivers with poor credit.
5 cheapest car insurance companies in Delaware for those with poor credit
| 1 | Atlantic States Insurance | $97.24/month |
| 2 | Travelers | $101.40/month |
| 3 | Geico | $111.89/month |
| 4 | USAA | $145.82/month |
| 5 | Cal Casualty | $146.75/month |
Cheapest car insurance for drivers with multiple claims in Delaware
Your claims history can also factor into your total car insurance bill. Typically, drivers with more claims on their record will pay more for car insurance than those with fewer or no claims.
These companies have the lowest estimated rates for minimum coverage for drivers with multiple claims by insurance companies.
5 cheapest car insurance companies in Delaware for multiple claims
| 1 | Travelers | $84.21/month |
| 2 | Atlantic States Insurance | $118.54/month |
| 3 | USAA | $136.61/month |
| 4 | Geico | $190.55/month |
| 5 | Encompass | $234.42/month |
Cheapest car insurance for young drivers in Delaware
Your age can also affect how much you’ll pay for car insurance. Typically, younger drivers are considered riskier to insure and therefore have more costly policies. As you age, and as long as you maintain a safe driving record, your premium should go down over time.
The following companies may offer the lowest estimated minimum-coverage rates for young drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Delaware for young drivers
| 1 | Travelers | $92.25/month |
| 2 | Geico | $139.19/month |
| 3 | USAA | $141.53/month |
| 4 | Atlantic States Insurance | $143.10/month |
| 5 | Cal Casualty | $153.67/month |
Delaware auto insurance requirements
Delaware requires a minimum 25/50/10 liability insurance, which means drivers must carry at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $10,000 of property damage liability coverage. It also requires at least $15,000 per person and $30,000 per accident for personal injury protection.
Is usage-based insurance available in Delaware?
Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. Delaware drivers may be able to save some money on their premiums through their insurers’ UBI programs.
FAQs about the cheapest car insurance rates in Delaware
Delaware requires a minimum 25/50/10 liability insurance, which means drivers must carry at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $10,000 of property damage liability coverage. It also requires at least $15,000 per person and $30,000 per accident for personal injury protection.
No. Delaware is an “at-fault” state, which means the person found to have caused the accident is responsible for covering the bulk of any damages. However, like many no-fault states, Delaware does require you to carry personal injury protection, which can help you pay for your own medical bills in the event of an accident.
If you get caught driving without insurance, you could face a fine of $1,500. Subsequent offenses could bring a fine of $3,000 plus registration suspension.
Methodology
The estimated rates in this article are the lowest estimated rates for basic coverage based on the profile of a driver aged 36 to 45 living in Delaware. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on various factors, such as your age, vehicle driving habits and history.
The average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a Delaware-mandated 25/50/10 no-fault insurance policy and 15/30 PIP coverage.
Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those aged 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.