- Among the companies analyzed by CarInsurance.com, Nationwide stands out as the cheapest option for full coverage car insurance in Delaware, with an insurance premium of $125 per month.
- Drivers in Delaware with a clean record pay 36% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Delaware is Little Creek, with an annual premium of $1,835.
- Delaware drivers can save up to 27% annually on their auto insurance policy by comparing price quotes from multiple carriers.
The cheapest car insurance in Delaware costs $125 per month for a full coverage policy from Nationwide. That’s a $47 savings from the average cost of insurance in the state, which is $172 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Delaware including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
Which company offers the cheapest car insurance in Delaware?
Nationwide offers the cheapest car insurance rates in Delaware for a full coverage policy with an average premium of $125 per month or around $1,498 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Delaware by different insurance carriers for a full coverage policy.
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 companies for state minimum coverage in Delaware
In Delaware, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists Delaware’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 Delaware insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Delaware’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $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 car insurance in Delaware, by driving history
Your driving history affects how much you pay for insurance in Delaware because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $646 more annually in Delaware than an individual with a clean driving record.
Cheap car insurance in Delaware after a speeding ticket
If you have a speeding ticket on your Delaware driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,470 per 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.
Cheap car insurance rates after a DUI conviction in Delaware
CarInsurance.com analyzed insurance rates for Delaware drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,470. Progressive is the second-cheapest insurer at an average of $2,164 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 36% less than drivers with a DUI on their record.
| 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
Delaware cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Little Creek is the city with the lowest premiums in Delaware at an annual auto insurance rate of $1,835.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Delaware cities with the lowest 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 |
Explore the top 10 factors that influence car insurance rates
How much can you save on auto insurance in Delaware?
Shopping around for car insurance quotes in Delaware can help drivers save 27% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Delaware: Save on premiums
Delaware drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Delaware.
| 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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