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Compare car insurance in Delaware

Get the cheapest car insurance in Delaware for 2021

The average annual cost of car insurance in Delaware is $1,100. Narrow down car insurers offering coverage in Delaware by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

No-fault state

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

Most popular Delaware auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$214,87423.5%
Liberty Mutual$67,7847.4%
The Hartford$21,6762.4%

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 quoteRead review
USAA$484Get a quoteRead review
Metromile$794Get a quoteRead review
Liberty Mutual$832Get a quoteRead review
Allstate$1,036Get a quoteRead review
State Farm$1,136Get a quote
Geico$1,437Get a quoteRead 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
Liberty mutual$1232

Car insurance quotes in Newark

CompanyAnnual car insurance rate
Liberty mutual$1232

Car insurance quotes in Bear

CompanyAnnual car insurance rate
Liberty mutual$1232

Car insurance quotes in Wilmington

CompanyAnnual car insurance rate
Liberty mutual$1232

Car insurance quotes in Dover

CompanyAnnual car insurance rate
Liberty mutual$923

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.

Frequently asked questions about car insurance in Delaware

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