- Nationwide has the cheapest car insurance rates in Delaware for full coverage at $125 a month among the companies analyzed by the team of CarInsurance.com.
- In Delaware, drivers with clean driving records pay 36% less than drivers with a DUI.
- The city of Little Creek has the lowest auto insurance rates in Delaware, with an average premium of $1,835 per year.
- You can save up to 27% per year on your car insurance policy in Delaware by comparing price quotes from multiple insurers.
You can find the cheapest full-coverage car insurance in Delaware for $125 a month from Nationwide. It saves you $47 compared to the state average car insurance cost of $172 monthly.
Shopping for car insurance in Delaware can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in Delaware should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Car insurance companies with cheap car insurance in Delaware
Nationwide has the cheapest full coverage car insurance in Delaware, at an average premium of $125 per month or around $1,498 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Delaware. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Delaware per month
| Company | Full coverage monthly rates |
|---|---|
| Nationwide | $125 |
| Travelers | $133 |
| GEICO | $141 |
| Progressive | $167 |
| State Farm | $179 |
| Donegal | $223 |
| American Family | $226 |
| Allstate | $303 |
| Sentry Insurance | $339 |
| USAA* | $122 |
Note: USAA is only available to military community members and their families.
Who pays the lowest auto insurance premiums in Delaware?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 8% less than single drivers.
- Delaware drivers with clean records pay 36% less than drivers who have a DUI on their record.
- Delaware drivers in their 20s pay 64% lower rates for insurance than a 16-year-old in Delaware.
- Adding a teen to your policy will cost you 84% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 26% less on their insurance premiums.
- Drivers insured for three or more years can save up to 23% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest companies for different coverage levels in Delaware
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Travelers is the cheapest for a state minimum policy.
- Travelers has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in Delaware.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest state minimum coverage in Delaware
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Delaware, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $10,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Delaware, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Travelers | $512 |
| GEICO | $530 |
| Nationwide | $732 |
| State Farm | $794 |
| Progressive | $974 |
| American Family | $999 |
| Donegal | $1,164 |
| Allstate | $1,305 |
| USAA* | $482 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Delaware
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Delaware, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Travelers | $688 |
| GEICO | $792 |
| Nationwide | $828 |
| State Farm | $991 |
| Progressive | $1,188 |
| American Family | $1,306 |
| Donegal | $1,446 |
| Allstate | $1,574 |
| USAA* | $702 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Delaware
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Delaware, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| Nationwide | $1,498 |
| Travelers | $1,595 |
| GEICO | $1,695 |
| Progressive | $1,999 |
| State Farm | $2,153 |
| Donegal | $2,673 |
| American Family | $2,709 |
| Allstate | $3,631 |
| Sentry Insurance | $4,066 |
| USAA* | $1,463 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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Cheapest auto insurance in Delaware by driving history
Your driving history impacts insurance premiums in Delaware, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Delaware, drivers with a history of traffic violation pay an average of $646 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates in Delaware after a speeding ticket
A speeding ticket can impact your Delaware car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,470 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,346 | $1,470 | 9% | $124 |
| Nationwide | $1,463 | $2,012 | 38% | $549 |
| Progressive | $1,567 | $2,120 | 35% | $553 |
| Travelers | $1,519 | $2,258 | 49% | $739 |
| GEICO | $1,136 | $2,597 | 129% | $1,461 |
| Allstate | $3,157 | $3,533 | 12% | $376 |
| USAA* | $1,244 | $1,598 | 29% | $355 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in Delaware after a DUI conviction
State Farm offers the cheapest car insurance to Delaware drivers with a DUI conviction at $1,470 per year and Progressive has the second-cheapest insurance premiums at $2,164 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 36% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,346 | $1,470 | 9% | $124 |
| Progressive | $1,567 | $2,164 | 38% | $597 |
| Nationwide | $1,463 | $2,573 | 76% | $1,110 |
| Travelers | $1,519 | $2,598 | 71% | $1,079 |
| GEICO | $1,136 | $2,686 | 136% | $1,549 |
| American Family | $2,577 | $3,829 | 49% | $1,252 |
| Allstate | $3,157 | $4,262 | 35% | $1,105 |
| USAA* | $1,244 | $2,244 | 80% | $1,001 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Delaware
Travelers is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,539.
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,594.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Travelers | $1,519 | $1,539 | 1% | $20 |
| State Farm | $1,346 | $1,594 | 18% | $248 |
| Nationwide | $1,463 | $1,856 | 27% | $393 |
| Progressive | $1,567 | $2,355 | 50% | $788 |
| GEICO | $1,136 | $2,601 | 129% | $1,464 |
| American Family | $2,577 | $3,189 | 24% | $612 |
| Allstate | $3,157 | $4,925 | 56% | $1,767 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Delaware
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Delaware, Little Creek stands out as the city with the lowest auto insurance rates, at an average of $1,835 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Delaware with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Little Creek | $1,835 |
| Clayton | $1,848 |
| Smyrna | $1,851 |
| Montchanin | $1,914 |
| Middletown | $1,947 |
| Townsend | $1,960 |
| Selbyville | $1,962 |
| Frankford | $1,962 |
| Port Penn | $1,967 |
| Milton | $1,974 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Delaware
If you compare car insurance quotes, you could enjoy an annual saving of around 27% on a full coverage policy in Delaware.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Delaware: Save on premiums
Car insurance discounts in Delaware can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Delaware.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 4% | $123 |
| Anti-theft device | 1% | $30 |
| Daily commute | 6% | $205 |
| Days advanced purchase | 7% | $210 |
| Days per week driven | 5% | $160 |
| Education | 9% | $181 |
| Electronic funds transfer | 4% | $96 |
| Electronic signature | 10% | $158 |
| Homeowner | 7% | $204 |
| Lower annual mileage | 6% | $157 |
| Loyalty – years renewal with company | 9% | $196 |
| Marital status | 8% | $190 |
| Multi policy | 9% | $248 |
| Paperless/electornic documents | 4% | $112 |
| Payment type | 6% | $200 |
| Primary use | 11% | $306 |
| Profession | 14% | $241 |
| Safety devices | 3% | $90 |
| Telematics | 20% | $320 |
| Years insured | 22% | $864 |
| Years licensed | 24% | $940 |
Final thoughts on cheap car insurance in Delaware
Our research shows that Nationwide has the cheapest full coverage car insurance rates in Delaware for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Delaware, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Delaware for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/10.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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