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Compare car insurance in Delaware

Get the cheapest car insurance in Delaware for 2020

Updated

When you’re looking into car insurance, balance your needs with your budget. You’ll also need to consider your state’s requirements for coverage. Compare the state’s minimum coverage requirements, other coverage options and find the cheapest car insurance in Delaware that fits your needs.

Delaware

Car insurance quick facts

15/30/10

Minimum liability requirements

$1,100

Average annual car insurance cost

30

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Geico
Optional
26%
All 50 states
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
Farmers
15%
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
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Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$214,87423.5%
Geico$169,47918.6%
Nationwide$113,49412.4%
Progressive$88,2879.7%
USAA$74,2748.1%
Liberty Mutual$67,7847.4%
Allstate$56,0086.1%
The Hartford$21,6762.4%
Travelers$18,5792.0%
AAA$13,6111.5%

Average cost of auto insurance in Delaware

If you’re driving in Delaware, you’re legally required to carry liability insurance and keep proof of current insurance and vehicle registration in your car at all times. Nearly all states require registered drivers to carry specified minimum liability insurance. And if you’re financing or leasing your car, you could be required to buy additional collision and comprehensive coverage as part of your finance agreement.

With the average annual cost of car insurance hovering around the $1,400 mark, or about $116 a month, Delaware isn’t one of the cheaper places in the country to insure a vehicle. However, as in any state, your actual insurance costs could end up significantly higher or lower than this average depending on factors like your driving record, your age, the kind of car you drive and whether you rent or own your residence.

Cheapest car insurance in Delaware

CompanyAverage annual rateLearn more
Progressive$311Get a quote Read review
Sentry$479
USAA$484Read review
Travelers$612
Metromile$794
Liberty Mutual$832Read review
Allstate$1,036Get a quote
Donegal$1,117
State Farm$1,136Read review
Geico$1,437Read review

Which city has the cheapest car insurance in Delaware?

Of Delaware’s largest cities, Dover has the cheapest rates and New Castle has the most expensive car insurance rates. New Castle drivers could face rates five times more than Dover drivers.

Car insurance quotes in New Castle

CompanyAnnual car insurance rate
Allstate$1628
Metromile$1212
Progressive$405
Liberty mutual$1232
Geico$1717

Car insurance quotes in Newark

CompanyAnnual car insurance rate
Allstate$1302
Metromile$1212
Progressive$403
Liberty mutual$1232
Geico$1358

Car insurance quotes in Bear

CompanyAnnual car insurance rate
Allstate$1302
Metromile$1212
Progressive$362
Liberty mutual$1232
Geico$1358

Car insurance quotes in Wilmington

CompanyAnnual car insurance rate
Allstate$1503
Metromile$1003
Progressive$379
Liberty mutual$1232
Geico$1295

Car insurance quotes in Dover

CompanyAnnual car insurance rate
Allstate$1220
Metromile$861
Progressive$338
Liberty mutual$923
Geico$1151

State minimum requirements in Delaware

To legally drive in Delaware, you’ll need liability insurance that includes:

  • $15,000 for injury or death per person.
  • $30,000 for total injury or death per accident.
  • $10,000 for property damage per accident.

If you’re shopping for car insurance, you’ll sometimes see this written as 15/30/10.

You’re also required to carry personal injury protection (PIP), which pays for the medical costs incurred because of an accident, regardless of who caused it. It will also pay up to $5,000 for funeral expenses. At minimum, you must carry:

    • $15,000 for bodily injury to one person.
    • $30,000 for bodily injury to multiple people involved in one accident.

Can I get SR-22 insurance in Delaware?

Delaware is one of a few states that don’t require SR-22, but you might need to keep your current SR-22 insurance if you move to Delaware. You might need an SR-22 if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.
How long should your disability elimination period last?

Bottom line

If you plan on driving in Delaware, make sure that your car insurance fulfills all your state’s requirements and that it’s a good fit for you too. Compare all your car insurance options and shop around before choosing an insurance policy.

Get the cheapest quotes

Compare car insurance companies near you.

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Frequently asked questions about car insurance in Delaware

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