Car Insurance in Delaware

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TABLE OF CONTENTS
  • How Much is Car Insurance in Delaware?
  • Real Quotes for Jerry.ai Customers in Delaware
  • The Cheapest Car Insurance in Delaware
  • Most Popular Insurance Companies in Delaware
  • Cost to Insure Different Cars in Delaware
  • Car Insurance Laws in Delaware
  • Car Registration Information in Delaware

Looking for car insurance in Delaware? Here you’ll find all the information you need on driving a car in The Diamond State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Wilmington or Newark, Dover or Middletown — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Delaware car insurance.

How Much is Car Insurance in Delaware?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Delaware, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Delaware pay $3,043.55 each year for car insurance. This means drivers in Delaware pay 4% above the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

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What’s Your Rate?

But how do you know what policy is right for you in Delaware? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Delaware, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Delaware

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-02-02
  • Nissan Altima 2.5
  • Nissan Altima 2.5s
  • Ford Econoline E150 Van
30 year old maleProgressive$204.33$395.67Basic
2021-01-25
  • Ford Expedition Eddie Bauer
36 year old maleNationwide$203.98$26.19Standard
2020-12-24
  • Honda Odyssey Exl
40 year old femaleProgressive$83.33$182.67Basic
2020-11-25
  • Mazda 3 Sport
23 year old maleProgressive$226.33$289.67Preferred
2020-11-30
  • Ford Explorer
  • Ram 1500 Slt
69 year old maleProgressive$124.33$32.67Standard

The Cheapest Car Insurance in Delaware

Which companies offer cheap car insurance in Delaware? Below, we’ve ranked Delaware car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

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Cheapest Car Insurance in Delaware for Basic Coverage

There’s all kinds of auto insurance you can get in Delaware, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Delaware. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Delaware, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Delaware

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,358.92
2Nationwide$1,530.70

Real Jerry Quotes for Basic Coverage in Delaware

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-02-07
  • Honda Accord Value
  • Dodge Ram 1500 St
61 year old femaleProgressive$61.17$105.50
2020-12-18
  • Mazda 3 I
20 year old maleProgressive$152.50$91.59
2021-01-07
  • Buick Encore
79 year old maleProgressive$79.50$420.50
2020-12-13
  • Infiniti QX50
  • Chrysler Sebring Touring
36 year old femaleProgressive$115.50$69.50
2020-12-17
  • Jeep Grand Cherokee Limited
25 year old femaleProgressive$98.33$290.67

Average Cheapest Car Insurance for Standard Plans in Delaware

Most drivers will want more than the basic minimum coverage that Delaware requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in Delaware, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Delaware

Filters
RankCompany nameAvg. Annual Premium
1Travelers$1,962.55
2Progressive$2,114.71
3Nationwide$2,386.78

Real Jerry Quotes for Standard Coverage in Delaware

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-04
  • Mazda 3 I
19 year old femaleNationwide$240.73$14.27
2021-02-06
  • Hyundai Veloster
21 year old maleProgressive$179.67$470.33
2021-02-03
  • Infiniti Qx30 Luxe
28 year old femaleProgressive$200.83$99.17
2020-11-24
  • Jeep Compass Limited
24 year old femaleNationwide$235.11$64.89
2020-12-04
  • Toyota FJ Cruiser
46 year old maleProgressive$53.17$71.83

Cheapest Car Insurance in Delaware for Preferred Coverage

Preferred coverage protects Delaware drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in Delaware, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Delaware

Filters
RankCompany nameAvg. Annual Premium
1Travelers$2,189.22
2Progressive$2,483.94
3Nationwide$2,564.35

Real Jerry Quotes for Preferred Coverage in Delaware

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-02-05
  • Nissan Rogue Sport S
28 year old femaleProgressive$185.50$191.50
2021-02-06
  • Mercedes-Benz C 300 4matic
38 year old maleProgressive$81.33$15.67
2020-11-19
  • Chrysler Town & Country Touring
48 year old femaleTravelers$146.83$103.17
2021-01-23
  • Toyota Scion Xb
54 year old maleTravelers$69.42$150.58
2020-12-29
  • Dodge Durango Sxt
39 year old femaleProgressive$337.83$40.17
Insurance companyAverage annual premium in Delaware
Progressive$2,098.63
Nationwide$2,788.88

Cost to Insure Different Cars in Delaware

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Delaware drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Delaware. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2020-12-28
  • Chevrolet Sonic Lt
33 year old femaleProgressive$154.33$75.67Preferred
2020-12-08
  • Mercury Mountaineer
33 year old femaleProgressive$176.50$16.50Preferred
2021-01-01
  • Lexus Es 350
28 year old maleProgressive$125.33$124.67Standard
2021-01-04
  • Honda Pilot Exl
24 year old femaleProgressive$107$213Basic
2020-12-22
  • Nissan Quest S
39 year old femaleProgressive$141$123Standard
2020-12-19
  • Hyundai Sonata Gls
40 year old maleProgressive$97.50$17.50Basic
2021-01-18
  • Honda Accord Exl
23 year old maleNationwide$569.70$214.31Preferred

Car Insurance Laws in Delaware

Located between New Jersey, Maryland, and Pennsylvania, Delaware is the second smallest state in the U.S., as well as the least populated. But despite these distinctions, there are still plenty of drivers on the state’s roadways, which means that car accidents do happen.

To protect drivers in the event of an accident, state laws require Delaware drivers to carry a minimum amount of insurance. Mandates have also been put in place to make sure that at-fault drivers are held responsible for accidents they caused.

Keep reading to find out more about the minimum coverage amounts when it comes to insurance in Delaware, the penalties for not having insurance, and how you can keep your car in compliance with state law.

What Car Insurance Is Required in Delaware?

Any motor vehicle registered in Delaware must carry a minimum amount of liability insurance in the form of Bodily Injury Liability (BIL) and Property Damage Liability (PDL) insurance. Drivers in the state of Delaware must also purchase Personal Injury Protection (PIP) when they get their policy. This type of auto insurance coverage pays for the medical bills of the drivers involved in an accident, including the at-fault driver. In addition to medical expenses, PIP coverage also helps to pay for lost wages. PIP insurance in Delaware does not limit your ability to sue for pain and suffering, as it does in some states that offer this type of insurance.

BIL pays for the medical expenses of the other drivers who are not at fault in an accident. It also helps pay for their lost wages. If the amount of BIL is still not enough to pay the total costs of any medical bills, the other driver must sue the at-fault driver in court to recover the rest; however, their own PIP coverage should pay for some of these costs.

PDL coverage helps to pay for any property damage suffered by a vehicle in a car accident caused by someone else. PDL will also help pay for damage to objects other than to vehicles, including poles, fences, and buildings. If you are the at-fault driver, then you will have to rely on your Collision Insurance coverage, if you have it, to pay for any damage suffered by your motor vehicle.

Another type of insurance that motor vehicle drivers in Delaware might consider, even though it is not required, is uninsured motorist coverage Uninsured motorist coverage helps to pay for your medical bills and property damage if the at-fault driver does not have insurance.

Can You Drive a Car Without Insurance in Delaware?

If you do not have the minimum required amount of auto insurance coverage in Delaware, then you are in violation of the law. The penalties for driving without insurance in Delaware far outweigh the cost of insurance. Penalties for driving without insurance in Delaware include:

  • First offense: Fine of $1,500 to $2,000, driver’s license suspension of six months, must get an FR-19 certificate
  • Second/subsequent offense (within three years): Fine of $3,000 to $4,000, driver’s license suspended for six months, must get an FR-19 certificate

An FR-19 certificate is issued by your car insurance company to certify that you carry the minimum amount of coverage as required by Delaware state law. Unlike an SR-22 certificate, which is issued in other states, an FR-19 only verifies that you have coverage and doesn’t alert authorities if you cancel your insurance. Also unlike an SR-22, which a driver must keep on file, an FR-19 is only used to show compliance, is only issued when requested, and doesn’t need to be maintained.

What Are the Minimum Car Insurance Requirements in Delaware?

Delaware, like most U.S. states, requires drivers to have a minimum amount of auto insurance coverage. This is to ensure that the medical expenses and property damage costs from an accident are paid for by the responsible driver. To legally drive a vehicle in Delaware, you must have the following minimum coverage amounts.

Minimum Insurance Requirements in Delaware

  • Bodily injury/per person/per accident: $25,000
  • Bodily injury/per accident: $50,000
  • Property damage liability: $10,000
  • Personal injury protection/per person/per accident: $15,000
  • Personal injury protection/per accident: $30,000

Car Registration Information in Delaware

Upon buying a vehicle in Delaware or moving to the state, you must register the vehicle. Residents have 30 days from the time that they buy a car to register it. New residents have 60 days to register their vehicle. Anybody who registers a vehicle in Delaware has the option of doing so for one or two years.

The initial registration fee for registering your vehicle in Delaware is $40 per year. The total cost for registering your vehicle in Delaware can vary, though, depending in part on the number of years you want to register it for and any vehicle inspection fees you must pay. Vehicle inspections include a safety test and a smog check.

When you do register your vehicle in Delaware, you have a few options to choose from, including in person, by mail, or online. When renewing your registration, it will cost the same as when you initially registered the vehicle.

Once your vehicle is registered in Delaware, you will receive a license plate to go on the rear of your car. Delaware does not require you to put a license plate on the front of your vehicle. In addition, the rear plate also has a decal in the lower right corner that signifies the month and date that the vehicle registration must be renewed. When you renew your registration, you will receive a new decal to place over the old one.

When registering your vehicle in Delaware, you must have the following information and documentation with you:

  • Delaware driver’s license
  • Vehicle registration, which should have the Vehicle Identification Number (VIN)
  • Proof of car insurance
  • Proof of passing inspection (including safety and smog check)
  • Certificate of title (if you own the vehicle)
  • Odometer reading
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