Delaware is a highly urbanized state. Lots of intersections mean lots of opportunities for accidents.
In fact, Delaware is in the top 10 most expensive states to purchase car insurance.
That means Delaware drivers might have to do some shopping around to find competitive car insurance rates.
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Delaware. If you want to learn more about Delaware’s car insurance rates, then read on.
Cheapest minimum coverage car insurance in Delaware
In Delaware, people who purchase car insurance are required to get the following minimum coverages:
$[25,000] bodily injury liability per person
$[50,000] bodily injury liability per accident
$[10,000] property damage liability per accident
$[15,000] personal injury protection
It’s illegal to have a car insurance policy in Delaware that does not meet these required minimums. If you get caught, you could be subject to license suspension, fines, and vehicle impoundment.
Remember, the minimum insurance coverage is not a recommendation—it’s a requirement! It’s illegal to drive without the coverage described above!
Be aware that, in some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
First, let’s go over how much Jerry users pay for minimum liability car insurance in Delaware:
Additional coverages you might want to consider when shopping for car insurance in Delaware
Coverage to consider
High collision risk
If you get into an accident with another vehicle, collision insurance will cover repair costs for your car.
Comprehensive insurance covers damage to your vehicle that happens as a result of severe weather events.
Uninsured motorist protection helps cover any damages incurred as a result of an accident with a driver who doesn’t carry insurance.
Delaware presents unique risks to drivers due to its high population density and proportion of uninsured drivers. Before purchasing car insurance, make sure to consider additional coverage (like Medpay) to protect you and your passengers from unexpected costs.
Best carriers for minimum coverage car insurance in Delaware
Driving without insurance in Delaware is a criminal offense.
Comparing rates with different insurers can help you find the most affordable coverage so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Delaware:
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing less in the long run).
Yes, you can expect to pay slightly more for full coverage insurance policies. However, the protection you get in return will be absolutely worth it. Delaware’s high cost of car repairs alone is a great reason to bump up your coverage.
Full coverage car insurance policies generally include:
While minimum liability coverage and PIP are enough to let you drive legally in Delaware, full coverage offers stronger protection and can provide peace of mind.
Cost to insure your car in Delaware by age
Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
If you’re a young driver in Delaware, here’s what you need to know.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age—whether you live in rural Delaware or move to a city like Wilmington—start by quote shopping with Jerry.
Cost of insurance for drivers in Delaware with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In Delaware, insurance companies have access to all your traffic offenses within the last five years. If you commit another violation within that period, it will be considered a second offense. You’ll be hit with even more serious penalties and it will stay on your record for 10 years.
But there’s good news! Jerry can help Delaware drivers find great car insurance even with a blemish on their driving record.
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible to find affordable insurance in Delaware if you have a traffic violation on your record.
Young drivers are considered high risk by insurance companies. A moving violation increases this perception. Delaware drivers under 30, especially with a traffic violation on record, should compare rates from providers to find the most affordable premium.
Types of discounts that might be available to you in Delaware
Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Delaware. Here are some to keep an eye out for:
Customer loyalty (e.g. bundling, early renewal)
Demographic (e.g. good student, senior)
Driver affiliations (e.g. military, affinity)
Driving history (e.g. accident-free, safe driver)
Driver training (e.g. defensive driver course)
Equipment-related (e.g. anti-theft, new car)
Payment (e.g. auto-pay, paperless)
Some of the most common car insurance discounts in Delaware include:
Who is eligible?
Bundling your policies
Get your car and home policies from the same company and you could enjoy a reduced premium.
Green vehicle discount
If you drive a hybrid or electric vehicle, you could be eligible for a good discount on your car insurance premium.
Good student discount
Full-time students with good grades can usually qualify for a healthy discount on their car insurance premium. You may have to provide proof of enrollment and grade point average.
Safe driver discount
Have you been accident-free for several years? Delaware drivers with a good record can usually get a “safe driver” discount. If you’ve never had a crash or a speeding ticket, ask about this discount. You may have to wait six months to prove that you’re a safe driver.
In exchange for installing a free telematics device in your vehicle, you could get a discount on your premium. The device passively tracks your driving behavior and allows the company to reward you for safe driving. There’s usually a discount just for signing up, too.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.
How much does it cost to insure my car make in Delaware?
The most popular car in Delaware is the Ford F-Series pickup. It makes sense that Delaware drivers would appreciate a durable, modern truck that can handle both commuting and bad weather with grace.
If you drive a relatively inexpensive car or truck, you can generally expect to pay lower insurance premiums. This is because it will cost less to repair or replace a common model than a rare and expensive vehicle.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident. Usage-based car insurance policies reward these drivers with discounts.
Here’s what Delaware drivers can expect to pay to insure some popular car makes/models with and without Jerry:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Generally, areas with lower population density tend to have lower insurance rates. The good news is that you can find affordable car insurance in Delaware whether you live in Wilmington or Clayton.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.