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Compare car insurance in Delaware

Get the cheapest car insurance in Delaware for 2021

The average cost of car insurance in Delaware comes in at the $1,393.70 mark or about $116 a month, according to the National Association of Insurance Commissioners (NAIC). About 17% above the national average of $1,190 per year, Delaware isn’t a cheap place to insure a vehicle.

However, your actual insurance cost could end up higher or lower than this average, depending on factors like your driving record, age and the car you drive. Also, the NAIC’s average takes in to account policies with both state minimum coverage and added coverage like comprehensive or collision. The coverage you choose will affect your individual rate.

Delaware car insurance quick facts

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Minimum liability requirements

25/50/10

Average annual car insurance cost according to the NAIC

$1,393.70

At-fault state

In at-fault states, the driver at fault pays for the damage after an accident.

Delaware’s state minimum car insurance requirements

To legally drive in Delaware, you need liability insurance as well as personal injury protection. When you’re shopping for car insurance, you’ll see the amount of coverage required written as 25/50/10. These are your coverage limits, telling you the maximum that your insurance will pay for different kinds of damage.

Let’s break down what’s covered by Delaware’s state minimum coverage.

Bodily Injury Liability

Bodily injury liability

  • $25,000 for bodily injuries per person
  • $50,000 for injuries to two or more people per accident

For injuries that you cause in an accident, Delaware requires you to carry 25/50 in coverage. This amount pays up to $25,000 for injuries to one person and $50,000 total if you injure multiple people in the same accident. However, these limits are lower than many other states, providing low protection for car accidents.

Remember, this coverage pays for medical bills or legal expenses if you injure other drivers, passengers or pedestrians in an at-fault accident. Think about upping your liability limits for higher protection.

Property damage liability

Property damage liability

  • $10,000 in property damage liability

Yo also need at least $10,000 for property damage liability, which pays for damage to the other driver’s car or personal property like a phone or cargo. This limit is low compared to what other states require.

Personal injury protection or medical payments

Personal injury protection (PIP)

  • $15,000 for injuries to one person
  • $30,000 for injuries to multiple people

You’re also required to carry personal injury protection, which pays for the medical costs because of an accident regardless of who caused it.

In Delaware, PIP pays up to $15,000 for one person injured or a total of $30,000 for multiple people injured, including the driver and passengers in your car. The coverage also pays $5,000 to loved ones for funeral expenses.

Finder tip: Delaware’s state minimum coverage isn’t enough

Delaware keeps low coverage requirements for your car insurance that wouldn’t pay for all expenses in many accidents. For example, if you total someone else’s car that’s worth $25,000, your state minimum policy would pay up to $10,000 to replace their car.

To avoid paying the rest on your own, consider raising your liability limits and adding optional coverage as your budget allows.

7 factors that affect car insurance rates in Delaware

Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Delwarean’s rating factors to keep in mind.

FactorHow it affects your rates
Age

Age

How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
Gender

Gender

Delaware takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
Location

Location

Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

Delaware vehicle theft rates stand at 168.7 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s below the national average of 246 vehicle thefts per 100,000 inhabitants.

As for uninsured drivers, 8.5% of Delawareans on the road are uninsured. That’s less than average for the percent of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%.

Vehicle and mileage

Vehicle and mileage

Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Delawareans drive an average of 43.1 miles per day, that’s well above the average across the US of 36.1 miles per day.

Credit score

Credit score

Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

Delware drivers have protections under state laws that regulate the use of credit history when issuing car insurance policies. Credit score can’t be the only factor used to determine your rates.

Coverage

Coverage

The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.
Driving Record

Driving Record

The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Delware can increase your rate by around 31%. These types of violations typically stay on your record for about three years.

What happens if I need an SR-22 in Delaware?

Delaware is one of a few states that don’t require an SR-22, but you might need to keep up with filing your current SR-22 if you move to Delaware. An SR-22 is a certificate proving that you have the state’s minimum car insurance.

Although Delaware doesn’t add SR-22s to its penalties, you can get other penalties for violations. For example, you’ll pay up to $3,000 and get a license suspension if you’re caught driving without insurance in the state. Insurance companies consider you a higher risk if you have violations on your record. If so, expect to see higher premiums than the average driver in the state.

Coverage that we recommend in Delaware

Consider boosting your car insurance protection with these add-ons, if these fit your budget and driving needs.

Higher liability limits cover more serious accidents

Delaware’s 25/50/10 liability limits should pay for minor accidents. But if you cause serious car damage or injuries to someone else, you could drain this liability coverage in no time. For example, a hospital stay can cost thousands of dollars per day. Also, if the other driver sues you, you could be on the hook for legal expenses too.

Make sure that your liability insurance covers you for the most common scenarios by talking with your insurance agent about your liability limits.

Collision coverage benefits most drivers

The more you drive, the more likely you are to hit another car and cause damage. However, your liability insurance doesn’t cover your own damage — you need collision coverage to repair or replace your car. The good news? This optional coverage usually brings more value than it costs.

In Delaware, collision coverage sets you back around $30 per month, according to the NAIC. Let’s say that you damage your car and need $2,000 in repairs. You’d need to save your monthly premium for over five years to recover this expense. You can opt for collision coverage instead of saving for years for a rainy day.

Consider this coverage if . . .

  • You drive a lot and rely on your car.
  • Your car loan requires it.
  • You can’t pay for major car repairs on your own.
  • You don’t have the funds to buy another car.

Comprehensive coverage helps with weather damage

Since you could experience harsh weather coming in from the coast, think about adding comprehensive coverage to help you recover from the unexpected. This coverage is called “other-than-collision” coverage because it protects against damage not caused by a car collision. Damage that it covers include theft, vandalism, hitting an animal, windshield cracks and harsh weather.

Consider this coverage if . . .

  • You have an auto loan, and your lender requires it.
  • You can’t pay for major car repairs on your own.
  • You live in an area known for theft or crime.
  • You live in a rural part of Delaware with large wildlife.
  • Your area sees harsh weather.

Roadside assistance for extra peace of mind

If you’re like most Delawareans and drive more than those in other states, you may want roadside assistance on your policy. Whether you’re driving along the coast or commuting in Wilmington, you’ll have a phone number handy in case you break down.

Consider this coverage if . . .

  • You rely heavily on your car.
  • You drive a lot.
  • Your car warranty doesn’t include roadside assistance.

Prep for uninsured or underinsured drivers

You can’t control other drivers’ choices for insurance coverage. But you can protect yourself with uninsured or underinsured motorist coverage in case a driver hits you without proper insurance. This way you don’t have to cover your own car repairs or medical bills.

Consider this coverage if . . .

  • You couldn’t pay for your own car repairs.
  • You don’t have health insurance.
  • Your health insurance has a high deductible or copays.

Top 10 auto insurance companies in USA that serve Delaware

We’ve pulled the top 10 companies by market share that offer coverage in Delaware, according to S&P Global. Compare top companies by three major rating agencies along with our overall Finder score.

  • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
  • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
  • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
  • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
Provider
BBB Rating
JD Power Rating
NAIC complaint ratio
National market share %
Finder score
Go to site
State Farm
A+
847/1000
1.93
16.2

★★★★★ 4/5

Read review

Geico
A+
832/1000
1.42
13.6

★★★★★ 4/5

Read review

Progressive
A+
830/1000
1.05
13.3

★★★★★ 4/5

Get Quotes
Allstate
A+
827/1000
2.71
10.4

★★★★★ 4/5

Get Quotes
USAA
A+
884/1000
1.9
6.3

★★★★★ 4/5

Get Quotes
Farmers
A-
820/1000
1.64
4.9

★★★★★ 4/5

Read review

Liberty Mutual
A+
827/1000
2.2
4.7

★★★★★ 4/5

Get Quotes
Nationwide
A+
814/1000
2.08
2.3

★★★★★ 4/5

Read review

Travelers
A+
820/1000
3.28
2

★★★★★ 4/5

Read review

CSAA Insurance Exchange
A-
816/1000
0.91
1.1

★★★★★ 4/5

Get Quotes

Cheapest car insurance in Delaware

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

Compare car insurance providers in Delaware

Name Product Gap insurance Homeowner discount Telematics Has an app?
Allstate
Yes
Yes
Drivewise
Yes
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Progressive
loan/lease coverage
Yes
Snapshot
Yes
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
No
No
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
No
Yes
Telematics only
Yes
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Branch
Yes
No
Yes
Yes
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
USAA
No
Yes
SafePilot
Yes
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Metromile
No
No
Telematics only
Yes
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
Liberty Mutual
Yes
Yes
RightTrack
Yes
Earn free accident forgiveness after five years claims-free and customize your policy anytime.

Speak to an agent: 877-336-0538

Nationwide
Yes
No
Yes
Yes
Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
Savvy
Yes
Depends on provider
No
Yes
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.
AAA
Yes
Yes
No
Yes
Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
Elephant
loan/lease coverage
Yes
No
No
Get a great deal online with steep discounts and some of the highest liability limits available.
State Farm
No
Yes
Drive Safe and Save
Yes
Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.

Speak to an agent: 877-745-0232

Allied
Yes
Yes
Nationwide SmartRide
No
Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
Assurance
Yes
Yes
No
Yes
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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Compare up to 4 providers

In Delaware, the driver at fault pays for damage

Delaware is an at-fault state, which means that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will figure out who’s at fault, based on the accident details.

However, Delaware also considers whether both drivers are partially at fault under its modified comparative fault law, according to the legal website Nolo. Under this law, drivers can get reimbursed for their damages as long as their share of fault isn’t greater than other drivers.

For example, if you’re 80% responsible for an accident, your insurance will pay for the other driver’s damages. However, since your level of fault is greater than the other driver’s, that driver isn’t required to pay for your damages.

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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