Cheapest Car Insurance in Delaware (March 2025)

Written by Ben Moore and 1 other
Updated Mar 25, 2025
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Cheapest Car Insurance in Delaware (March 2025)

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Key Takeaways
  • Bristol West, National General and Progressive offer some of the cheapest car insurance in Delaware.
  • The average cost of minimum coverage in Delaware is around $200 per month.
  • Compare quotes from multiple insurers to find cheap car insurance in Delaware.

You may find cheap car insurance in Delaware from companies like Bristol West, National General and Progressive. These were among the most affordable options in the state, according to real auto insurance quotes for Jerry customers.

Here are more cheap options for minimum and full coverage, plus by age, driving history and low credit score.

COMPARE CHEAP CAR INSURANCE QUOTES IN DELAWARE

Cheap minimum coverage in Delaware

Minimum coverage is the most affordable auto policy you can get. It covers damage you cause if you’re found at fault in an accident, but it doesn’t cover damage to your own car.

Here are the most affordable insurers in Delaware for minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
AAA $208 $2,499
Progressive $221 $2,652
Bristol West $256 $3,076
National General $259 $3,102
Root $259 $3,106
Assurance America $539 $6,464
First Acceptance $768 $9,218
The General $823 $9,872
Last Updated Mar 25, 2025

Minimum liability car insurance requirements in Delaware

Delaware drivers must carry the following car insurance coverage:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability per accident.
  • $15,000 in personal injury protection, or PIP, per person.
  • $30,000 in PIP per accident.

Cheap full coverage car insurance in Delaware

These are the cheapest car insurance companies in Delaware for full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
The General $147 $1,758
Gainsco $258 $3,098
Progressive $289 $3,473
AAA $310 $3,714
Root $321 $3,850
Dairyland $336 $4,038
National General $466 $5,589
Assurance America $478 $5,732
Bristol West $543 $6,516
Last Updated Mar 25, 2025

Minimum vs. full coverage in Delaware

Minimum coverage in Delaware pays for injuries or property damage you cause to others in a crash, up to the liability limits, but won’t cover damage to your own car. It also pays for your own injuries and lost wages, regardless of fault, up to your PIP limits.

Full coverage includes Delaware’s minimum requirements as well as comprehensive and collision coverages, which pay for damage to your car. Here’s what a full coverage policy typically includes:

  • Liability insurance: covers injuries or property damage you cause in an accident up to your policy limits.
  • Personal injury protection, or PIP: covers you and your passengers’ injuries, plus any lost wages as a result of an accident, regardless of who was at fault, up to your policy limits.
  • Collision coverage: pays for damage to your vehicle from an accident, regardless of who was responsible. This coverage has a deductible. 
  • Comprehensive coverage: Pays for vehicle damage caused by a non-collision event like weather, animal damage and theft.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Drivers in Delaware may consider adding uninsured motorist coverage, or UM, to their full coverage policy. It pays for your own injuries or property damage if you’re hit by a driver without any car insurance. Over 18% of Delaware drivers don’t have car insurance, according to a 2023 study from the Insurance Research Council, published by the Insurance Information Institute. Without UM, you’d be required to pay out of pocket for any injuries your PIP won’t cover.

Average car insurance costs for young drivers in Delaware

Young drivers typically pay higher auto insurance rates because they have less experience on the road.

Below are the average costs of car insurance in Delaware for drivers between 18 and 24.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $505 $6,064
21-24 $457 $5,490
Last Updated Mar 25, 2025

Cheap minimum coverage in Delaware for a 20-year-old

Here are the most affordable insurers in Delaware for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Policy
20 Ford Ecosport Progressive $347 March 18, 2025
20 Honda Accord Progressive $153 December 3, 2024
20 Honda Accord Progressive $465 October 21, 2024
20 Nissan Altima Progressive $607 October 12, 2024
20 Nissan Altima Progressive $822 June 17, 2024
Last Updated Mar 25, 2025

Cheap full coverage in Delaware for a 20-year-old

Here are the most affordable insurers in Delaware for 20-year-olds with full coverage policies, according to real quotes for Jerry customers.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Policy
20 Nissan Sentra Progressive $601 March 10, 2025
20 Jeep Grand Cherokee National General $1,442 September 30, 2024
20 Buick Verano Progressive $520 June 28, 2024
20 Ford Ecosport Progressive $734 April 30, 2024
20 Ford Ecosport National General $900 April 25, 2024
Last Updated Mar 25, 2025

Average auto insurance costs for mature drivers in Delaware (25-54)

The average cost of car insurance tends to drop as drivers age and get more driving experience.

Below are the average costs of car insurance for drivers in Delaware between the ages of 25 to 54.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $264 $3,169
35-44 $260 $3,126
45-54 $250 $2,996
Last Updated Mar 25, 2025

Cheapest minimum coverage in Delaware for a 35-year-old

These are the cheapest car insurance companies in Delaware for 35-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
The General $132 $1,582
Kemper $142 $1,704
AAA $149 $1,782
Progressive $173 $2,072
Bristol West $219 $2,632
Last Updated Mar 25, 2025

Cheapest full coverage in Delaware for a 35-year-old

These are the cheapest car insurance companies in Delaware for 35-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Root $228 $2,739
Progressive $287 $3,444
Dairyland $336 $4,038
National General $406 $4,867
Last Updated Mar 25, 2025

Average car insurance costs for older drivers in Delaware (55+)

The cost of car insurance can rise again once a driver reaches age 65.

Below are the average costs of car insurance for drivers in Delaware 55 and older.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $198 $2,377
65+ $234 $2,804
Last Updated Mar 25, 2025

Cheapest car insurance in Delaware by driving history

Your driving record plays a big role in how much you’ll pay for auto insurance. Drivers with clean records typically pay less than those with a violation like a speeding ticket or at-fault accident.

Cheap car insurance for drivers with clean records in Delaware

These are the cheapest car insurance companies in Delaware for drivers with clean driving histories, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Electric $107 $1,288
Commonwealth Insurance $137 $1,645
The General $139 $1,670
Kemper $142 $1,704
Aspire Advantage $145 $1,736
Last Updated Mar 25, 2025

Cheapest car insurance with a speeding ticket in Delaware

These are the cheapest car insurance companies in Delaware for drivers with a speeding ticket, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Gainsco $258 $3,098
Bristol West $262 $3,149
Progressive $264 $3,171
Root $271 $3,248
National General $289 $3,463
Last Updated Mar 25, 2025

Cheapest car insurance after an at-fault accident with no injury in Delaware

These are the cheapest car insurance companies in Delaware for drivers with an at-fault accident with no injury, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Gainsco $258 $3,098
Progressive $282 $3,388
Bristol West $284 $3,412
Root $287 $3,441
National General $379 $4,550
Last Updated Mar 25, 2025

Cheapest auto insurance after an at-fault accident with injury in Delaware

These are the cheapest car insurance companies in Delaware for drivers with an at-fault accident with injury, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Root $306 $3,668
Progressive $401 $4,815
National General $414 $4,969
Last Updated Mar 25, 2025

Average auto insurance costs for Delaware drivers with other violations

Below are average car insurance costs in Delaware for other driving violations.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $228 $2,740
Defective Equipment $199 $2,389
Driving on Sus. License $254 $3,043
Eluding Police $300 $3,596
Failure to Obey Traffic Sign $207 $2,487
Last Updated Mar 25, 2025

Cheapest auto insurance for low credit scores in Delaware

Drivers in Delaware with low credit scores typically pay more for car insurance than those with higher scores. These are the cheapest car insurance companies in Delaware for drivers with a credit score below 550.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Kemper $142 $1,704
Gainsco $175 $2,094
Bristol West $219 $2,632
Dairyland $251 $3,009
Root $252 $3,027
Last Updated Mar 25, 2025

Learn more: How a credit-based insurance score works

How to find cheap car insurance in Delaware

Compare car insurance quotes from multiple companies to get the best deal in Delaware. You can also try these tips to save on your policy:

Compare car insurance quotes with Jerry.

More: Best car insurance companies

Factors that affect car insurance costs in Delaware

Insurers base rates on various factors, which can include your:

  • ZIP code.
  • Age and gender.
  • Driving record.
  • Claims history.
  • Marital status.
  • Vehicle type.
  • Deductible amount.

More: How car insurance rates are calculated

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.