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.
- 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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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 insurers 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.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in 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 up to $100,000 bodily injury with $300,000 bodily injury per accident and 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.
Here are the average annual rates for liability insurance coverage from major carriers in Delaware, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates 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 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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Delaware based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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 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.
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 rates after a speeding ticket in Delaware
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.
Cheapest car insurance premiums 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 in Delaware after an at-fault accident
If you’re a driver with an at-fault accident on your record, Travelers is the cheapest option, offering car insurance at an average cost of $1,539 annually.
State Farm is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost 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?
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.
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
Average savings on car 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 |
The bottom line on cheap auto 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 Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Leslie Kasperowicz
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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