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.
- 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.
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.
Delaware drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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
Delaware requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 are the average annual rates from major insurance companies in Delaware, ranked from cheapest to the most expensive for the 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 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 car insurance in Delaware
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Delaware from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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
Cheapest car insurance in Delaware by driving history
In Delaware, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Delaware, drivers with a history of such violations typically pay $646 more annually than drivers with clean records.
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
In Delaware, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Delaware below.
| 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 |
The bottom line on cheap auto insurance in Delaware
Based on our findings, Nationwide provides the cheapest rates for a full coverage policy in Delaware if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Delaware, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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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