Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Delaware.

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Updated on Oct 15, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in Delaware
Cheapest car insurance companies in Delaware
Delaware Car Insurance Coverage Requirements
Delaware Car Insurance Rating Factors
How different factors impact the average cost of car insurance in Delaware
Is it cheaper to insure a new car or a used car?
Delaware cheapest car insurance by location
How to lower the cost of car insurance in Delaware
FAQs
Methodology
Meet our Experts

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How to find the cheapest car insurance quotes in Delaware

Cheap

car insurance

is hard to find in Delaware. There are dozens of different auto insurance companies hiding the cheapest option among hundreds of products. Luckily, there’s an easy way to find the best coverage for your needs (and the driver discounts for your budget).

Just ask

Jerry

to find it! Jerry captures your policy details with just a few questions and fetches five to seven quotes with the lowest rates in less than a minute. Finding your ideal auto insurance company has never been easier—no phone calls or research required!

Check out these real quotes Jerry found for drivers just like you:

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Progressive	$372	Theresa, 34 Wilmington, DE	Toyota Camry XSE	• State Minimum Liability • Comp / Collision
Nationwide	$221	Catherine, 29 Wilmington, DE	BMW 525 i Automatic	• State Minimum Liability • Comp / Collision
Allstate	$126	Travis, 33 Milford, DE	RAM 1500 ST	• 50,000/100,000 Liability • Comp / Collision
Safeco	$132	Olga, 36 Bridgeville, DE	Chrysler 300	• 50,000/100,000 Liability • Comp / Collision
Travelers	$160	Cole, 56 Lewes, DE	Buick Encore GX Preferred	• 100,000/300,000 Liability • Comp / Collision

Last Updated Oct 12, 2024

Compare car insurance quotes now

Cheapest car insurance companies in Delaware

Jerry’s recommendations don’t just come from our team of 100+ licensed insurance agents—they also come from real drivers all over the country. We undertook one of the largest shopping surveys in the nation to find the best car insurance rates, and here’s what you told us.

Allstate

was the most flexible, offering plenty of coverage options for consumers to customize their insurance policies.

GEICO

was the most affordable, providing some of the lowest annual rates in the nation. As for high-quality customer service, policyholders put

Safeco

, Dairyland, and

Progressive

on the podium.

In terms of sheer numbers, the five largest auto insurance companies in Delaware are

State Farm

, Berkshire Hathaway,

Liberty Mutual

, Nuclear Electric Insurance, and

Nationwide

. Here’s why they get so many votes:

Insurance company	Date	Cost rating (out of 5)	What our customer said:
USA Underwriters Insurance	October 8, 2024	5	"My car was off the rode so I didn't need insurance now I fix UT got it back out only Root gave me a chance clear rec ...(read more)" -Jeffery
Allstate	October 8, 2024	5	"Always a pleasant experience when I have to contact Allstate." -Kyle
National General	October 7, 2024	5	"I absolutely love National General! The price is astounding and the lowing ive seen so far. Its about a third of what...(read more)" -Gabriel
AAA	October 6, 2024	5	"My Experience with AAA has been good for me so far. I look to continue doing business with them." -Stanley
Progressive	September 28, 2024	5	"Gave me a headach good low rate" -Harriett

Last Updated Oct 15, 2024

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

But when it comes to overall ratings, there’s one clear winner: Jerry, with

five stars from thousands of satisfied customers

Jerry’s team of customer service experts helps drivers discover the policies they want at the prices they want. It’s the easiest way to

shop for an auto insurance policy

! Get started with a free download on the Google or iOS app store or read on, as we show you how to find the lowest rates for every driver in Delaware.

State minimum coverage requirements

Delaware car insurance requirements state drivers must carry a car insurance policy with both

liability car insurance

and

personal injury protection (PIP)

. The former compensates the injured parties after a car accident where you’re at fault, including bodily injuries and property damage. The second pays for hospitalization and surgery for you and your passengers, regardless of who’s to blame.

Cheapest minimum liability coverage in Delaware

According to

Delaware car insurance laws

, the minimum coverage limits required for liability and PIP insurance are 25/50/10 and 15/30, respectively.

It’s illegal for any auto insurance provider in the state to sell you a policy with less than

$25,000 of

bodily injury liability

coverage per person

$50,000 of bodily injury liability coverage per accident

$10,000 of

property damage liability

coverage per accident

$15,000 of PIP coverage per person

$30,000 of PIP coverage per accident

Stick with the minimum coverage and you’ll get cheaper rates, like:

Progressive

Lelia (27 years old)

Coverage

State Minimum

Newark, DE

Ford Mustang

$241

per month

AAA

Ora (34 years old)

Coverage

State Minimum

Newark, DE

Lexus ES 350

$149

per month

Travelers

Curtis (38 years old)

Coverage

State Minimum

Middletown, DE

Chevrolet Malibu 1LT

$180

per month

Nationwide

Dorothy (31 years old)

Coverage

State Minimum

Newark, DE

Dodge RAM 1500

$168

per month

Infinity

Rose (40 years old)

Coverage

State Minimum

Newark, DE

Toyota Camry L

$159

per month

Do you need more than the minimum liability insurance coverage in Delaware?

The higher the coverage limits, the higher the insurance rates, and the higher the regret level, right? Not so fast. A car insurance policy only covers damages equal to or lower than your coverage limits, and the minimum coverage limits are quite low.

For example, when was the last time you saw a decent car for $10,000? If you damage another driver’s car beyond repair, the minimum requirements will probably leave you too underinsured to pay for its replacement. Plus,

Delaware car accident laws

say you can be sued in a personal injury lawsuit up to two years after the event.

The bottom line: Increase your liability and PIP coverage levels higher if you can, especially if you live in a densely populated area.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Cheapest full coverage Delaware auto insurance quotes

The annual premiums you pay for liability coverage go towards other people and their property; if you want a policy that allows you to reap the benefits of your hard work, consider

full coverage car insurance

Full-coverage car insurance typically includes liability coverage,

collision coverage

, and

comprehensive coverage

. If you collide with another car or a stationary object, collision coverage will pay to fix your car. And if your car gets struck by lightning, thieves, or vandals, you can use collision coverage to make it as good as new.

Full-coverage auto insurance is great for high-end models and trim levels. You might also need it if you recently signed up to

lease or finance your car

The best part is that full coverage can be very affordable! Take a look at the Jerry app and you’ll see what we mean:

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$241	Lelia, 27 Newark, DE	Ford Mustang
• 50,000/100,000 Liability • Comp / Collision	Allstate	$126	Travis, 33 Milford, DE	RAM 1500 ST
• 100,000/300,000 Liability • Comp / Collision	Nationwide	$256	Minnie, 32 Newark, DE	Nissan Altima 2.5
• 100,000/300,000 Liability • Comp / Collision	Travelers	$160	Katie, 56 Lewes, DE	Buick Encore GX Preferred
• 50,000/100,000 Liability • Comp / Collision	National General	$148	Bertie, 32 Newark, DE	Honda Civic LX

Last Updated Oct 9, 2024

Average annual rates for minimum liability coverage and full coverage car insurance in Delaware

As of May 2023, the average minimum liability car insurance policy in Delaware costs $0 per month and $0 per year. The average full-coverage policy costs $0 per month and $0 per year.

Don’t let these estimates get you down: by shopping with a trustworthy, licensed insurance broker (or app), you can find cheap insurance quotes several hundred dollars cheaper. The key is to find a car insurance provider that suits your driver profile, driving history, and credit history.

Other types of Delaware auto insurance

Buying a car insurance policy that meets the minimum car insurance requirements means you’ve done your duty to the state—but what about your other responsibilities?

You can protect what's important to you with additional coverage options like:

Gap insurance

, which protects your credit score by paying off the rest of your car loan if your vehicle is declared a total loss.

MedPay

, which ensures you and your family’s long-term healthcare costs will be paid for.

Non-owner car insurance

, which gives you liability coverage no matter whose vehicle you’re driving.

Rental reimbursement coverage

, which can get you to work in a rental vehicle while yours is in the garage.

Towing and labor coverage

, which prevents a flat tire, dead battery, or empty gas tank from interrupting your trip.

Uninsured motorist coverage

, which protects you from the out-of-pocket costs of colliding with an underinsured or uninsured motorist.

MORE:

Types of insurance

Not in Delaware?

Maryland car insurance

New Jersey car insurance

Pennsylvania car insurance

Virginia car insurance

Connecticut car insurance

West Virginia car insurance

Rhode Island car insurance

North Carolina car insurance

Car insurance premium by rating factors

Car insurance is calculated

differently by each auto insurance provider, but they look at many of the same factors. Among them are:

Your age and demographics: New drivers, teen drivers, and senior drivers pay much higher premiums than the rest of the population.

Your driving record and claims history: Good driving records generally indicate good drivers, who pay lower rates.

Your parking spot: Unlike cities, where car accidents and crime cause millions of dollars in property damage, small towns enjoy lower rates.

Your ride: Cheaply-made cars that are cheap to repair are the most affordable to insure.

Your driving habits: Commuters are at a higher risk of getting into a car accident than stay-at-home workers and retirees, so they pay higher rates.

Your credit score: Those with good credit scores get the lowest rates, while those with poor credit scores get the highest.

How different factors impact the average cost of car insurance in Delaware

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Delaware currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Delaware:

How to find cheap Delaware car insurance if you’re a high-risk driver

Car insurance companies don't want to pay for car accidents any more than you do, so

high-risk drivers

always pay higher rates. Cheap rates are especially hard to come by for Delaware drivers with spotty driving records, including DUI and

reckless driving

convictions, speeding tickets, or SR-22 filing requirements.

Sound familiar? Here’s how to find the few auto insurance providers willing to insure high-risk drivers.

How to find cheap car insurance in Delaware after a speeding ticket

The total cost of a

Delaware speeding ticket

is difficult to calculate. Seriously, it’s a long formula.

First, you take the base fine ($20 for first offenses, $25 for repeats) and add the speed multiplier ($2 for every mph over the posted speed limit over five). Factor in the court costs, various funds, and the seatbelt assessment, and you’re still missing the biggest penalty:

how much a speeding ticket affects your car insurance

A speeding-related traffic ticket can add more than 20% to your annual premiums. To bring them back down, look for an auto insurance provider that will reward you for taking a

defensive driving course

Speeding Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Speeding 11-15	Progressive	$402	Calvin, 31 Wilmington, DE	• 100,000/300,000 Liability • Comp / Collision

Last Updated Oct 13, 2024

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

I really like being with progressive. So far it's been a great experience.

Kari

Love the safe driving features !

Nathania

This helped me better then anyone can imagine!

Darrien

Progressive is great. The really care about new drivers and provide great insurance policies.

Shibanul

How to find cheap Delaware auto insurance after a DUI

Delaware's DUI laws

are tough. A conviction comes with a:

$500-$1,500 fine

Jail sentence of up to six months

Driver’s license suspension of one to two years

SR-22 filing requirement

Plus, they’ll stamp your driving record with a DUI conviction for a minimum of five years. When all’s said and done, you’ll probably have lost thousands of dollars more to high insurance rates!

You can save money by choosing an insurance provider with a variety of driver discounts. Pick a company, buy a new policy, or

cancel an old one

with Jerry, who’s helped lots of high-risk Delaware drivers with DUIs find low rates.

Safeco

Larry (33 years old)

DUI

Coverage

State Minimum

Milford, DE

Hyundai Ioniq

$70

per month

Safeco

Joseph (36 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Greenwood, DE

Toyota Camry

$51

per month

The cheapest Delaware car insurance companies for SR-22 insurance

If you’ve ever had to file an

SR-22 in Delaware

, you know what a pain they are.

Following a DUI conviction or major traffic offense, you must ask your insurance company to re-file a certificate every year for three years. If you let your liability coverage lapse for any reason, you could lose your driver's license.

How to find cheap car insurance in Delaware after an at-fault accident

Insurance providers like to see a

clean driving record

so they know you're not going to get into an accident and make an expensive claim. When you have a history of tickets and traffic violations, it’s hard to make a good first impression.

Getting rid of accidents on your driving record

can boost your insurance rates if you've had an at-fault accident. You can trust Jerry to help you find

affordable quotes

after an at-fault accident like these Delaware drivers:

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
At Fault With Injury	Progressive	$211	Mark, 39 Bear, DE	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Travelers	$160	Nannie, 55 Lewes, DE	• 100,000/300,000 Liability • Comp / Collision
Not At Fault	Allstate	$77	Bessie, 60 Millsboro, DE	• 50,000/100,000 Liability
At Fault With No Injury	Nationwide	$256	Darrell, 31 Newark, DE	• 100,000/300,000 Liability • Comp / Collision
At Fault With Injury	National General	$110	Jerry, 25 Wilmington, DE	• State Minimum Liability

Last Updated Oct 14, 2024

FAQs

Is Delaware a no-fault state?

No, Delaware isn’t a

no-fault state

. Drivers who are 50% or less at fault can claim damages under Delaware's

modified comparative negligence laws

Suppose you’re 25% at fault for causing a car accident. You could file a claim with the other driver's insurance provider and receive 75% of your damages. In a split liability agreement, two equally at-fault drivers (each 50% to blame for the accident) receive half of their damages from each other’s liability coverage.

The bottom line: In Delaware, your claim for damages is reduced by your percentage of fault, up to a maximum of 50%.

The best Delaware auto insurance for other high-risk drivers

Of course, there are other ways to get in trouble on the road besides a DUI conviction or speeding ticket. Depending on the severity of the violation, the impact on your insurance premiums can range from minor to major. Why not take a look around for a better rate in the meantime?

These Delaware drivers located a cheaper car insurance policy through Jerry after their traffic violations:

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Careless Driving	Progressive	$151	Addie, 37 Middletown, DE	Honda Civic EXL	• State Minimum Liability
Defective Equipment	AAA	$508	Mabel, 49 Dover, DE	Cadillac SRX Luxury Collection	• State Minimum Liability • Comp / Collision
Driving on Sus. License	National General	$198	Bess, 31 Wilmington, DE	Buick Lacrosse CXL	• State Minimum Liability
DUI	AAA	$241	Janie, 36 Newark, DE	Dodge RAM 2500 ST	• State Minimum Liability
Failure to Obey Signal	Nationwide	$308	Luis, 29 Wilmington, DE	Mazda CX-9	• 50,000/100,000 Liability • Comp / Collision
Illegal Turn	Allstate	$154	Ronnie, 25 Lincoln, DE	Ford Fiesta SE	• State Minimum Liability • Comp / Collision
Improper Passing	Bristol West	$322	Jose, 23 Wilmington, DE	Hyundai Elantra SEL	• 15,000/30,000 Liability
Leaving scene of an Accident/Hit and Run	Progressive	$341	Dollie, 22 Dagsboro, DE	Dodge Journey Crew	• State Minimum Liability
Speeding 16-20	Nationwide	$139	Rosalie, 41 Frankford, DE	Jeep Compass Latitude	• State Minimum Liability • Comp / Collision
Speeding 6-10	National General	$173	Louis, 37 Wilmington, DE	Chevrolet Tahoe Police	• State Minimum Liability
Wrong Way/Wrong Lane	National General	$143	Lela, 23 Wilmington, DE	Chevrolet Malibu LS	• State Minimum Liability
Other Minor	Safeco	$106	Francis, 28 Wilmington, DE	Volkswagen CC Sport	• 100,000/300,000 Liability • Comp / Collision

Last Updated Oct 10, 2024

How to find the cheapest rates in Delaware based on your insurance history

Insurance providers are always on the lookout for high-risk behavior, like driving uninsured. If you have a gap in your car insurance history, you’re apt to pay higher rates, no matter how short the period.

Call your provider and ask if they offer grace periods (and if they will reinstate your policy) to prevent a

car insurance lapse

from impacting your rates. If not, shop around.

In just a few taps, Jerry can help you enroll with a new insurance company and send you automatic payment and renewal reminders. No more gaps!

Progressive

Jared (61 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Middletown, DE

Volkswagen Arteon SEL

$81

per month

Allstate

Harriet (27 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Newark, DE

Ford Fusion SE

$237

per month

Nationwide

Hannah (46 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Wilmington, DE

Volkswagen Jetta S

$129

per month

Allstate

Hallie (22 years old)

Not Currently Insured

Coverage

State Minimum

Smyrna, DE

Chevrolet Cruze LS

$141

per month

Infinity

Susie (49 years old)

Currently Insured

Coverage

15,000 per person

30,000 per accident bodily injury

Comp / Collision

Wilmington, DE

KIA Sorento

$82

per month

Clearcover

Micheal (25 years old)

Not Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

New Castle, DE

Volkswagen Jetta SE

$239

per month

How to find cheap Delaware car insurance with a low credit score

Paying for car insurance doesn't improve

your credit score

, but having low credit can prevent you from finding the best rates. Above all, car insurance companies want to know that you can pay your annual premiums.

When compared to drivers with excellent credit, bad credit drivers pay almost double the average rates for car insurance. A provider who offers flexible payment plans and grace periods is crucial if your credit score is less than 550.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$179	Randall, 24 Claymont, DE	Toyota Camry L	• State Minimum Liability
660 - 750	Allstate	$77	Jack, 60 Millsboro, DE	GMC Envoy	• 50,000/100,000 Liability
550 - 659	Progressive	$269	Gabriel, 45 Clayton, DE	Nissan Murano S	• 100,000/300,000 Liability • Comp / Collision
< 550	Progressive	$389	Della, 26 Bear, DE	Hyundai Elantra SE	• 50,000/100,000 Liability • Comp / Collision

Last Updated Oct 15, 2024

How to find cheap auto insurance in Delaware for your age

The car insurance rates for young drivers usually start to decline shortly after the age of 25. At the age of 75, they start to go up again. No matter how old or young you are, here are a few tips to help you get the most savings out of your driving years.

The best car insurance companies in Delaware for young drivers

It's difficult for teen drivers between the ages of 16 and 19 to find affordable insurance rates because they're the most likely age group to be involved in a car accident. Young drivers and new drivers face a similar challenge.

No driving history? No problem! Some insurance companies offer new driver discount programs that make the driving learning curve affordable. Find

cheap car insurance for new drivers

(and full coverage that pays for fixes regardless of fault) with a quote comparison app.

Progressive

Johanna (21 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Millsboro, DE

BMW 328 D xDrive

$391

per month

Allstate

Calvin (23 years old)

Coverage

State Minimum

Dover, DE

Chevrolet Cruze LS

$141

per month

AAA

Pauline (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Bridgeville, DE

Honda Accord Hybrid

$189

per month

Travelers

James (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Seaford, DE

GMC Terrain SLE

$285

per month

Gainsco

Minnie (24 years old)

Coverage

State Minimum

Dover, DE

Acura TSX

$130

per month

Bristol West

Lelia (24 years old)

Coverage

15,000 per person

30,000 per accident bodily injury

Wilmington, DE

Hyundai Elantra SEL

$322

per month

The best car insurance companies for senior drivers in Delaware

Hearing and vision loss present driving challenges that aren't easy to overcome, even with a lifetime of safe driving experience. Senior drivers are also at a higher risk of suffering severe injuries in a car accident. As a result, insurance companies charge seniors higher rates.

The

best car insurance for seniors

comes from companies that serve older adults and retirees. If you're looking for affordable plans and coverage options for your golden years, Jerry's expert customer service team can assist you.

Progressive

Antonio (68 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Wilmington, DE

Subaru Forester 2.5X

$97

per month

Progressive

Ophelia (66 years old)

Coverage

State Minimum

Newark, DE

Mitsubishi Eclipse Cross SE

$234

per month

Nationwide

Minerva (70 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Newark, DE

Ford Focus SE

$184

per month

AAA

Glenn (73 years old)

Coverage

State Minimum

Millsboro, DE

Chrysler Sebring Limited

$117

per month

Nationwide

Wesley (75 years old)

Coverage

No Coverage

Newark, DE

Honda CR-V EXL

$77

per month

National General

Eleanor (73 years old)

Coverage

State Minimum

Wilmington, DE

Chevrolet Cruze LS

$83

per month

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We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.

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How to find car insurance discounts in Delaware for your motor vehicle

The

cheapest cars to insure

save money for consumers and car insurance companies alike. Not only are they safer to drive, but they’re also harder to steal and cheaper to repair.

You’ll see these five models on almost every road in Delaware:

Chevrolet Silverado (average insurance cost

: $2,300 per year)

Ford F-150 (average insurance cost

: $2,100 per year)

Toyota RAV 4 (average insurance cost

: $2,300 per year)

RAM 1500 Limited (average insurance cost

: $3,000 per year)

Honda CR-V (average insurance cost

: $2,400/year)

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4 Limited	Progressive	$161	Charlotte, 39 Newport, DE	• State Minimum Liability

Last Updated Oct 15, 2024

Is it cheaper to insure a new car or a used car?

It’s generally more expensive to insure a new car than an old one. New models have a ton of technology, and due to supply chain issues, pricey components like computer chips and sensors have only gotten more expensive over the years.

You can save the most money by buying a used classic. Jerry can also help you save money by comparing car insurance quotes, no matter the make or model of your car.

Progressive

Winifred (30 years old)

2002 Honda Accord DX

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Dover, DE

$97

per month

Nationwide

Dorothy (31 years old)

2000 Dodge RAM 1500

Coverage

State Minimum

Newark, DE

$168

per month

Allstate

Lewis (61 years old)

2002 GMC Envoy

Coverage

50,000 per person

100,000 per accident bodily injury

Millsboro, DE

$77

per month

AAA

Lucas (54 years old)

2001 Chevrolet Tracker LT

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Wilmington, DE

$167

per month

AAA

Nannie (24 years old)

1997 Toyota Avalon XL

Coverage

State Minimum

Wilmington, DE

$296

per month

National General

Dale (45 years old)

2002 Lexus ES 300

Coverage

State Minimum

Dover, DE

$102

per month

Delaware cheapest car insurance by location

The greater your city’s population, the higher your car insurance premiums. For example, if you live in

Rehoboth Beach

New Castle

, you’re probably paying less than the average rate. But if you live in

Dover

Wilmington

, you probably pay more.

High insurance rates are the result of crime, car crashes, and congestion. Low insurance rates, on the other hand, depend on finding a

licensed insurance broker

to help you out (psst: look in the app store).

Check out these real quotes we found for Delaware drivers in different cities:

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance coverage
Wilmington, DE	Peter, 34	Progressive	$372	Toyota Camry XSE	• State Minimum Liability • Comp / Collision
New Castle, DE	Kyle, 43	Allstate	$165	Honda CR-V EX	• 250,000/500,000 Liability • Comp / Collision
New Castle, DE	Mike, 60	Nationwide	$81	Ford F150 Super Cab	• No Coverage Liability
Wilmington, DE	Jack, 24	AAA	$296	Toyota Avalon XL	• State Minimum Liability
Lewes, DE	Leon, 56	Travelers	$160	Buick Encore GX Preferred	• 100,000/300,000 Liability • Comp / Collision
Wilmington, DE	Wesley, 44	National General	$534	Nissan Pathfinder Platinum	• State Minimum Liability
Dover, DE	Ralph, 34	Plymouth Rock	$206	KIA Optima LX	• State Minimum Liability • Comp / Collision
Wilmington, DE	Fanny, 35	Clearcover	$182	Honda Accord Sport Special Edition	• 15,000/30,000 Liability • Comp / Collision
Wilmington, DE	Anne, 50	Infinity	$82	KIA Sorento	• 15,000/30,000 Liability • Comp / Collision
Claymont, DE	Curtis, 45	Mercury	$214	Buick Regal Essence	• 30,000/60,000 Liability • Comp / Collision
New Castle, DE	Martha, 26	Dairyland	$199	Acura TLX Tech	• 15,000/30,000 Liability
Wilmington, DE	Jon, 34	Kemper	$142	Ford Escape S	• 15,000/30,000 Liability
Dover, DE	Joseph, 24	Trexis	$65	Acura TSX	• State Minimum Liability

Last Updated Oct 13, 2024

How to lower the cost of car insurance in Delaware

You can’t always control your annual premiums, but you can take charge of your savings with driver discounts. Jerry's insurance agents offer these tips to insurance bargain-hunters:

Find the most affordable auto insurance plan by comparing rates from different companies.

Bundle your homeowners and car insurance

for a discount.

Ask your insurance company if there's a

driver discount program

for veterans, students, nurses, etc.

Increase your deductible to reduce your monthly bills.

Save money by switching to electronic billing and lump sum payments.

Take a defensive driving course

to lower your auto insurance rates.

Why is car insurance so expensive in Delaware?

At some point, no matter how hard you look, you just can’t find a better deal. It’s not your fault; car insurance costs are rising for everyone. Delaware's higher rates can be attributed to:

Rising annual premiums: The national average rate for car insurance rose almost 50% between 2021 and 2023.

The cost of medical care: Medical care is getting more expensive. To make matters worse, road rage and distracted driving incidents are on the rise, causing greater numbers of severe injuries.

The cost of repairs: The US Bureau of Labor Statistics noted that prices for car parts jumped 9.1 percent in 2022, the highest increase in 40 years.

FAQs

What increases car insurance rates in Delaware?

Delaware's higher rates can be attributed to:

Rising average annual premiums

Rising costs of medical care

Increased cost of repairs

Does Delaware require car insurance?

Yes. Like most states, Delaware requires drivers to carry minimum liability coverage to drive legally.

Does insurance follow the car or the driver in Delaware?

In Delaware, car insurance usually follows the car instead of the driver. That means if you let someone else drive your vehicle, they should be covered by your policy if they’re in an accident.

However, to ensure you’re always covered, be sure to check your policy or chat with your provider.

What is full coverage car insurance in Delaware?

In addition to the required 25/50/10 liability coverage, a Delaware full coverage policy will also include comprehensive and collision coverage.

What is the state minimum for car insurance in Delaware?

In Delaware, you need liability car insurance with coverage limits of at least 25/50/10, and Personal Injury Protection (PIP) with coverage limits of at least 15/30. In other words, your liability coverage should provide $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident, and $10,000 of property damage liability coverage per accident. As for PIP, you must carry at least $15,000 of PIP coverage per person and $30,000 of PIP coverage per accident in Delaware.

What is the lowest form of car insurance?

Most would consider a

parking or storage policy

the lowest form of insurance. This type of policy is used for vehicles that are not being driven, so they don’t need liability or collision coverage—instead, they’re covered with a comprehensive-only policy.

If a car is being driven, though, the lowest coverage it can have in most states is liability coverage.

What age is car insurance cheapest?

Car insurance premiums are generally at their lowest when you’re between the ages of 25 and 75. However, how much you pay for insurance will depend on a number of highly individualized factors.

Are rental cars automatically insured in Delaware?

No, rental cars aren’t automatically insured in Delaware. You can buy

rental car insurance

either at the counter or from a third-party provider. The coverage options cost between $1 to $30 per day. Make sure to check the fine print on your credit card agreement; some cards provide rental car insurance if you use them to pay!

Who has the cheapest car insurance in Delaware?

The cheapest car insurance company in Delaware depends on your driver profile. You can find cheap rates if you have a good driving record, insurance history, and credit score. You can also find better offers if you use a quote comparison app.

Can you go to jail for driving with no insurance in Delaware?

If you drive without insurance in Delaware, you won't go to jail. That’s not to say that the penalties aren’t steep: you’ll face a $1,500 fine for the first offense, a $3,000 fine for subsequent ones, and a driver’s license suspension of six months.

What happens if the person at fault in an accident has no insurance in Delaware?

If the person at fault in a car accident has no insurance in Delaware, they’re considered an uninsured motorist. Not only will they have to pay for the injured party (or parties) damages out of pocket, but they’ll also face a fine and a driver’s license suspension.

Does Delaware have no-fault car insurance?

Yes, car insurance companies in the state of Delaware offer no-fault car insurance. The state minimum insurance requirements mandate $15,000 of Personal Injury Protection (PIP) coverage per person and $30,000 of PIP coverage per accident.

How much is a no-insurance ticket in Delaware?

A no-insurance ticket in Delaware costs $1,500 for the first offense and $3,000 for all subsequent offenses. Repeated offenders may be required to file for SR-22 insurance. Uninsured motorists also have a harder time finding cheap rates for car insurance due to the lapse in their insurance history.

Does Delaware accept online proof of auto insurance?

Yes, Delaware accepts online

proof of insurance

But just to be safe, you might want to keep a paper copy in your glove compartment. If you go over your data limit or forget your phone someday, you could be ticketed!

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

Learn more

about our

editorial standards

, and our expert

review board

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.