Car Insurance in Delaware

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Delaware’s roads are congested, leading to some of the country’s highest car insurance rates. Despite that, drivers in Delaware can save money on car insurance by shopping for quotes with Jerry.
In addition to densely-populated cities and busy roadways, which increase the likelihood of accidents, Delaware’s coastal cities are prone to hurricanes and other harsh weather conditions. Both of these factors increase the likelihood that Delaware residents will need to make an insurance claim, and providers will raise premiums as a result.
Location is just one consideration providers take into account when setting your premiums. They also consider factors like your age and driving record.
Fortunately, Jerry is here to help. Jerry is a car super app that will help you find the cheapest car insurance prices. Sign-up takes less than a minute, and Jerry will show you quotes from over 50 top insurance providers. Most Jerry users save $879 per year on car insurance.
Still not convinced? Here are some real quotes and savings from customers in Delaware who switched with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
February 20, 2021Hyundai Accent GLSWilmington23Plymouth Rock$120/mo.$69/mo.
August 25, 2021Chevrolet G10Dover24AAA$135/mo.$81/mo.
October 3, 2021Hyundai Elantra GLSWilmington36Progressive$180/mo.$145/mo.
September 21, 2021Dodge Ram 1500Newark40Progressive$194/mo.$156/mo.
August 23, 2021Chevrolet Suburban K1500Wilmington32Progressive$237/mo.$199/mo.
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How much does car insurance cost in Delaware?

The average cost of liability-only car insurance in Delaware is $2,674 per year. If you prefer to buy full coverage car insurance in Delaware, you can expect to pay an average cost of $4,652 per year.

How does the cost of car insurance in Delaware compare to the rest of the country?

Compared to nationwide averages, it costs $1,764 per year for liability-only car insurance and $2,486 per year for full-coverage car insurance.
Why are Delaware car insurance rates so high? Here are some of the factors:
  • High population density: Delaware cities are crowded, which means there are more cars on the road
  • Commuters: Many interstates traverse Delaware, leading to a higher accident rate
  • Extreme weather: Delaware’s eastern seaboard is prone to hurricanes, which could cause damage to cars
Here’s how Delaware insurance premiums measure up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
DE$3,000$2,058$3,015$2,067$2,412$2,190
National Average$2,491$1,672$2,359$1,390$2,763$1,962
DENational Average
All Coverage Before Jerry
$3,000$2,491
All Coverage After Jerry
$2,058$1,672
Minimum Coverage Before Jerry
$3,015$2,359
Minimum Coverage After Jerry
$2,067$1,390
Full Coverage Before Jerry
$2,412$2,763
Full Coverage After Jerry
$2,190$1,962
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Top auto insurance providers in Delaware

Delaware drivers have many options when choosing a car insurance provider. Common carriers in Delaware include Travelers, Geico, and Progressive. These providers are known for their quality customer service and generally affordable rates.
That said, you may find that another provider better meets your needs.
Insurance carriers use their own formulas to set their premiums, so it’s possible you’ll get entirely different quotes from each provider—even for the same insurance. Providers in Delaware take factors like age, location, driving history, marital status, and other considerations into account when determining your rates.
The car you drive will also have a major impact on your car insurance. Many Delaware drivers opt for a sedan like a Toyota Corolla, which will be cheaper to insure because of its lower base price and affordable cost of replacement parts. On the other hand, a luxury vehicle like the Mercedes-Benz E Class will be more expensive to cover because of the higher initial MSRP and cost of repairs.
Jerry can help drivers in Delaware find some great deals on car insurance—no matter their background. Here are some of the best savings:
Insurance Company
Average Cost
Annual Savings with Jerry
Nationwide$3,499$1,300Compare Prices
Allstate$3,829$1,194Compare Prices
Travelers$3,494$1,091Compare Prices
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What car insurance do you need in Delaware?

Drivers in Delaware need to prove financial responsibility by carrying minimum liability insurance before hitting the road. This coverage includes the following:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$10,000 per accidentCovers the costs associated with the damage you cause to other people’s vehicles or property
Uninsured motorist coverage$25,000 per person / $50,000 per accidentCovers your costs if you are hit by an uninsured driver.
You could face penalties if you are caught driving without insurance, including:
  • Fines of up to $2,000 after a first offense
  • Driver’s license suspension of six months
While liability insurance protects other drivers if you’re at fault in an accident, it doesn’t cover you or your vehicle. Because of this, you should purchase more than the required minimums. Delaware drivers may benefit by carrying the following insurance:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
Regardless of the insurance coverage you choose, Jerry can get you the most affordable rates.
Jerry sources quotes from the top name-brand insurance companies in a matter of minutes. Once you choose a policy, Jerry will help you sign up so you don’t have to do any of the hard work. Jerry will even provide you with quotes each time your policy is up for renewal—so you know you’re always getting the best rates.
Now that you know what insurance you need, here’s what you should know about insurance in Delaware.

How is your cost of car insurance determined in Delaware?

Carriers in Delaware will consider a variety of factors when deciding your insurance premiums. These include things like your age, driving history, and specific zip code.
What young drivers in Delaware need to know
  • Providers consider young drivers in Delaware to be a high risk because of their lack of experience and higher accident rates
  • Young drivers can get a discount for taking a defensive driving course
  • Drivers under 25 who maintain good grades can qualify for a good student discount
Even though young drivers see sky-high insurance premiums, it’s possible to keep costs down by applying for discounts, shopping around, and maintaining a clean driving record.
Jerry helps young drivers find the cheapest car insurance rates by comparing quotes from top providers. Here are the average premiums for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,830$1,002
21-24$3,079$818
25-34$3,134$1,003
35-44$2,728$828
45-54$2,788$762
55-64$2,839$979
65+$1,920$546
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Cost to insure your car in Delaware with a poor driving record

Your driving record also plays a role in setting your car insurance premiums. If you’ve been in an accident, gotten a speeding ticket, or had a DUI or other major driving offense, you will pay more for your Delaware car insurance rates.
Insurers consider previous infractions to be an indication that someone is a high-risk driver, so your rates will be higher if you have past driving offenses.
Despite that, drivers with previous infractions can save money by shopping with Jerry.
These are some of the best prices drivers with less-than-stellar records have received after shopping with Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,443$1,024
Illegal Turn$7,773$4,884
Cell Phone$4,440$3,246
Defective Equipment$4,842$1,730
Speeding under 15$4,726$1,235
Improper Passing$4,031$1,145
Careless Driving$4,577$1,009
Failure to Obey Traffic Sign$3,415$591
Speeding over 15$2,030$350
Other$3,972$1,579
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Cost to insure your car in Delaware based on where you live

Delaware’s average car insurance prices are high across the state, but the exact amount will vary depending on your specific zip code.
Residents of cities like Dover will have higher insurance costs because of the crowded roadways and higher likelihood of accidents, but people who live in less populated cities will pay less on average for their premiums.
Here are the best rates we’ve found for Jerry customers who live in Delaware:
City
Average Cost
Annual Savings with Jerry
Bear$2,573$877
Bridgeville$3,249$1,282
Claymont$2,308$704
Dover$3,522$1,030
Laurel$3,199$1,289
Millsboro$2,863$977
New Castle$3,017$1,167
Newark$2,845$736
Seaford$2,228$594
Wilmington$2,992$888
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Cost to insure your car in Delaware based on the type of car you drive

The type of car you drive is another major factor in your car insurance rates. Generally speaking, cars that have a lower MSRP will have lower insurance costs than more expensive vehicles.
For example, the Toyota Corolla is a popular choice for many Delaware residents. Because of the car’s relatively low MSRP, high safety and reliability ratings, and lower cost of repairs, insurance for a Corolla will be relatively affordable.
Conversely, some Delaware drivers have a propensity for luxury and opt for vehicles like a Porsche Macan. These cars will have more expensive insurance costs because of the pricier replacement parts, need for special service, and higher overall cost.
These are common insurance rates for some of the most popular makes and models in Delaware with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Buick Lucerne CXL$3,312$1,204
Nissan Altima 2.5$3,885$1,103
Jeep Grand Cherokee Laredo$3,285$1,036
Mazda 3 I$3,044$893
Ford Escape XLT$2,388$820
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How to save money on car insurance in Delaware

Despite facing rates higher than the national average, drivers in Delaware can find ways to save.

Shop around for quotes

Shopping around for car insurance is one of the easiest ways to lower your monthly premiums.
Doing this yourself can be time-consuming, however, due to the mountains of paperwork and endless phone calls to insurance agents. You don’t have to do any of that if you shop with Jerry!
Jerry is the super app that helps you save time and money on your car expenses, including insurance. In less than a minute, Jerry will find quotes from over 50 top insurance providers. Once you make your choice, Jerry will take care of the rest—including filling out that pesky paperwork. Jerry will even help you cancel your old policy.
It doesn’t end there! When your policy is up for renewal, Jerry will send you new quotes—so you always know you’re getting the best rates.

Look for discounts

Another way to save money is by applying for discounts. While they may not advertise their offerings, most providers have available discounts. Ask your insurance agent what you might be eligible for.
Here are some popular discounts in Delaware:
Delaware insurance providers may also provide deals for homeowners, people who are married, or people who are affiliated with certain associations. It’s worth it to ask your agent to see if you qualify.
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Increase your deductible

By raising your deductible—the amount you pay out of pocket if you make a claim—you can save on your monthly premiums.
If you are confident you won’t need to make a claim, this could be a great way to save money, but it’s important to make sure can afford to pay the full deductible in an emergency.

Registering your car in Delaware

If you want to register a car in Delaware, you need to have the following paperwork:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • Proof of insurance
  • Registration application
  • Pay registration fees
You may have to fill out more paperwork including personal and vehicle information at the DMV, so it’s smart to make an appointment to save time.
Delaware drivers need to renew their vehicle registration every year.

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