The cheapest full coverage car insurance in Delaware is $125 , saving you $47 compared to the average cost of insurance in the state, which is around $172 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Delaware, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- 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.
Car insurance companies with cheap 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 bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Delaware.
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.
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Who pays a lower insurance premium in Delaware?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 8% less than single drivers.
- Delaware drivers with clean records pay 36% less than drivers who have a DUI on their records.
- 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
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you 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 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.
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 car insurance companies in Delaware for full coverage
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 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.
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 rates after a speeding ticket in Delaware
If you’ve got a speeding ticket on your Delaware driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,470 , State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Delaware.
| 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
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.
If you have a clean record, you are likely to pay 36% less for car insurance than someone with a 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 companies in Delaware after an at-fault accident
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.
Cheapest car insurance rates by state
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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 Which cities in Delaware have 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.
In Delaware, Little Creek stands out as the city with the lowest auto insurance rates, at an average of $1,835 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
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
By comparing car insurance quotes, you can save an average of 27% per year for a full coverage policy in Delaware.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
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 |
The bottom line on cheap car insurance in Delaware
Based on our research, if you are a good driver, Nationwide is the cheapest in Delaware for a full coverage policy.
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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
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
Managing 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