Cheap car insurance in Delaware

How to get the best car insurance in Delaware

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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 how to get cheap car insurance in Delaware.

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.

  • Roadside help
  • Driver rewards
  • Fast claims

Our top pick: Root

Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.

  • Safe drivers save up to 52%
  • Easy app tracks driving
  • Fast claims
  • Great support

Compare car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Farmers
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

Most popular Delaware auto insurance companies list

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$311
Sentry$479
USAA$484
Travelers$612
Metromile$794
Liberty Mutual$832
Allstate$1,036
Donegal$1,117
State Farm$1,136
Geico$1,437

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 5 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.

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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