Car insurance costs in Delaware vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Nationwide offers the cheapest annual rates for full coverage car insurance in Delaware at $1,498 annually.
We’ve compiled this detailed guide to help you choose the right car insurance in Delaware. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how auto insurance in Delaware works and how much insurance you need.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Delaware, at $1,498 per year.
- In Delaware, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- Minimum liability coverage in Delaware costs around $788 annually for limits of 25/50/10, while liability-only coverage costs $1,022 per year for limits of 50/100/50.
- In Delaware, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 30%, a DUI raising rates by 56%, and an at-fault accident by up to 38%.
How much is car insurance in Delaware?
CarInsurance.com data found that drivers in Delaware pay $172 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in Delaware by coverage level
In Delaware, car insurance rates can differ depending on how much coverage you choose. Drivers in Delaware are required by law to have minimum insurance coverage limits of 25/50/10 to drive legally.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Delaware for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $66 | $788 |
| Liability Only – 50/100/50 BI/PD | $85 | $1,022 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 | $2,063 |
State minimum car insurance in Delaware
Delaware laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $10,000 for property damage liability.
The state minimum coverage in Delaware costs $788 a year but doesn’t provide much protection for drivers. Delaware drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Delaware must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Delaware
According to CarInsurance.com data, liability-only car insurance costs $1,022 in Delaware for limits 50/100/50.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Delaware
The average annual premium in Delaware is $2,063 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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Calculate the cost of car insurance in Delaware
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Delaware have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Delaware Car Insurance Rates by ZIP Code
Estimate car insurance in Delaware by car model
In Delaware, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much car insurance costs for your car make and model in Delaware.
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Delaware
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Delaware drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,015 annually.
Car insurance for drivers aged 16-19 costs $5,489 more annually than Delaware drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,504 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,406 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,015 per year in Delaware.
- For senior drivers: Drivers age 65 and older can expect to pay $2,102 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Delaware
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Delaware, a DUI conviction lead to increased rates and you may see a rate hike of up to 56% as insurers categorize you as a high-risk driver.
Similarly, if you get a speeding ticket in Delaware, you’ll likely see an increase in your car insurance premium by up to 30% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 56% increase
- At-fault accident (bodily injury and property damage): 38% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Delaware for high-risk drivers
In Delaware, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,463 |
| Travelers | $1,657 |
| Nationwide | $2,263 |
| State Farm | $2,548 |
| Progressive | $2,921 |
| American Family | $3,630 |
| Geico | $3,857 |
| Allstate | $6,040 |
| Sentry Insurance | $6,847 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Delaware
In Delaware, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Delaware by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in Delaware and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Nationwide | $732 | $828 | $1,498 |
| Travelers | $512 | $688 | $1,595 |
| Geico | $530 | $792 | $1,695 |
| Progressive | $974 | $1,188 | $1,999 |
| State Farm | $794 | $991 | $2,153 |
| Donegal | $1,164 | $1,446 | $2,673 |
| American Family | $999 | $1,306 | $2,709 |
| Allstate | $1,305 | $1,574 | $3,631 |
| USAA | $482 | $702 | $1,463 |
Car insurance rates by city in Delaware
Delaware City is the most expensive city in Delaware, with an average car insurance rate of $2,361 a year. Little Creek is the cheapest city for Delaware drivers at an average rate of $1,835 annually.
Car insurance rates vary by city in Delaware for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Delaware’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Travelers | $1,653 |
| USAA | $1,693 |
| Geico | $1,856 |
| Nationwide | $1,899 |
| Progressive | $2,061 |
| State Farm | $2,636 |
| Donegal Insurance | $2,995 |
| American Family | $3,134 |
How much does car insurance cost in Delaware per month?
Car insurance in Delaware costs an average of $172 a month for a full coverage policy with limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $66 |
| Liability Only – 50/100/50 BI/PD | $85 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 |
Final thoughts on choosing car insurance in Delaware
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Delaware.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Delaware. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/10.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Delaware