- The average cost of car insurance in Delaware is $3,157 a year or $263 per month, based on our data analysis.
- Minimum liability coverage in Delaware costs around $1,525 annually for limits of 25/50/10, while liability-only coverage costs $1,703 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Delaware, costing $1,786 per year.
- In Delaware, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 47%, a DUI raising rates by 63%, and an at-fault accident by up to 56%.
The cost of car insurance in Delaware varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Travelers offers the cheapest rates at $1,786 a year for full coverage.
This guide makes buying car insurance in Delaware easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Delaware works and how much coverage you need.
How much is car insurance in Delaware?
According to CarInsurance.com data, drivers in Delaware pay about $263 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Delaware based on driver profile:
- Teen drivers in Delaware pay the most — about $928 a month or $11,137 a year.
- Young drivers in their 20s pay an average of $439 monthly or $5,262 annually, for car insurance.
- Senior drivers pay around $255 monthly or $3,055 a year.
- A speeding ticket can increase your rates to $387 monthly or $4,647 annually.
- An at-fault accident increases car insurance rates to $412 a month or $4,940 a year.
- Poor credit drivers usually see their car insurance costs increase to $466 monthly or $5,591 annually.
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 insurance is the least expensive coverage and meets the minimum legal requirements in Delaware, but it doesn’t offer adequate protection.
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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage 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 | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $127 | $1,525 |
| Liability Only – 50/100/50 BI/PD | $142 | $1,703 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $263 | $3,157 |
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.
In Delaware, you can get state minimum car insurance for $1,525 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Delaware must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Delaware
According to CarInsurance.com data, liability-only car insurance costs $1,703 in Delaware for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Delaware
The average annual premium in Delaware is $3,157 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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Delaware
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Delaware have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Delaware
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in Delaware by car model
Car insurers in Delaware use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific 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 drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Delaware drivers aged 30 to 60 have the lowest average auto insurance rates at $3,011 annually.
Drivers aged 16-19 pay $8,126 more for car insurance than Delaware drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $11,137 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $4,971 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $3,011 annually in Delaware.
- For senior drivers: Drivers aged 65 and older can expect to pay $3,055 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Delaware
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Delaware can increase your premiums by up to 63% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Delaware, you’ll likely see an increase in your car insurance premium by up to 47% 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.
Here is how much your car insurance rate increases in Delaware after driving incidents:
- Speeding ticket: Up to 47% increase
- DUI conviction: 63% increase
- At-fault accident (bodily injury and property damage): 56% increase
But even with a traffic ticket, comparison shopping can save you money.
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.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Delaware
In Delaware, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Delaware by getting quotes from different insurance companies.
Below are the details of Delaware car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $665 | $708 | $1,786 |
| GEICO | $675 | $792 | $1,864 |
| Nationwide | $1,384 | $1,347 | $2,165 |
| Progressive | $1,314 | $1,426 | $2,620 |
| State Farm | $1,514 | $1,748 | $3,110 |
| Donegal Insurance | $1,851 | $2,065 | $4,087 |
| Allstate | $2,392 | $2,532 | $4,825 |
| Dairyland | $3,389 | $4,148 | $6,579 |
| USAA | $716 | $908 | $1,863 |
Car insurance rates by city in Delaware
Wilmington is the priciest city in Delaware for car insurance, costing an average of $3,750 annually. On the other hand, Millsboro is the most affordable city, where drivers pay an average of $2,844 per year for car insurance.
Car insurance premiums differ across cities in Delaware and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Delaware’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Delaware per month?
Car insurance in Delaware costs an average of $263 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $127 |
| Liability Only – 50/100/50 BI/PD | $142 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $263 |
Final thoughts on choosing car insurance in Delaware
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
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 April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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