In Delaware, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Delaware by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Delaware
Our analysis shows that the Subaru Forester and the Honda HR-V have the lowest average insurance costs in Delaware, with Hyundai Venue and Subaru Outback close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Delaware and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Subaru Forester | $960 |
| Honda HR-V | $982 |
| Hyundai Venue | $983 |
| Subaru Outback | $992 |
| Ford Maverick | $995 |
| Volkswagen Taos | $1,002 |
| Volkswagen Tiguan | $1,004 |
| Chrysler Voyager | $1,005 |
| Honda CR-V | $1,011 |
| Subaru Crosstrek | $1,011 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Delaware
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Delaware
Our data shows that Subaru Legacy is the most affordable sedan to insure in Delaware. Its average six-month full coverage cost is $1,076 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Volkswagen Jetta takes the second spot at $1,126, while the Honda Civic Sedan comes in third with an average cost of $1,152.
The table below shows the cheapest sedans to insure in Delaware and their average full coverage six-month costs.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,076 |
| Volkswagen Jetta | $1,126 |
| Honda Civic Sedan | $1,152 |
| Nissan Versa | $1,159 |
| Honda Accord | $1,178 |
| Mazda 3 Sedan | $1,186 |
| Chevrolet Malibu | $1,189 |
| Toyota Camry | $1,198 |
| Volkswagen Jetta GLI | $1,200 |
| Kia Forte | $1,216 |
| Nissan Sentra | $1,219 |
| Toyota Corolla | $1,221 |
| Mitsubishi Mirage G4 | $1,241 |
| Hyundai Elantra | $1,245 |
| Kia K5 | $1,278 |
| Nissan Altima | $1,280 |
| Hyundai Sonata | $1,290 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Delaware
In Delaware, the Subaru Forester and Honda HR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $960 and $982 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Subaru Forester | $960 |
| Honda HR-V | $982 |
| Volkswagen Taos | $1,002 |
| Volkswagen Tiguan | $1,004 |
| Honda CR-V | $1,011 |
| Subaru Crosstrek | $1,011 |
| Mazda CX-30 | $1,022 |
| Toyota Corolla Cross | $1,023 |
| Mazda CX-5 | $1,026 |
| Chevrolet TrailBlazer | $1,033 |
| Subaru Ascent | $1,034 |
| Toyota RAV4 | $1,053 |
| Chevrolet Trax | $1,053 |
| Buick Encore GX | $1,055 |
| Chevrolet Equinox | $1,064 |
| Ford Escape | $1,064 |
| Hyundai Kona | $1,075 |
| Honda Pilot | $1,076 |
| Hyundai Tucson | $1,076 |
| Jeep Compass | $1,079 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Delaware
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,106.
The table below compares car insurance rates for different sports cars in Delaware
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,106 |
| Honda Civic Si | $1,238 |
| Chevrolet Camaro | $1,332 |
| Subaru WRX | $1,339 |
| Toyota GR86 | $1,399 |
| Subaru BRZ | $1,404 |
| Honda Civic Type R | $1,426 |
| Ford Mustang | $1,445 |
| Toyota GR Corolla | $1,552 |
| BMW Z4 | $1,570 |
| Toyota GR Supra | $1,591 |
| Porsche 718 Boxster | $1,607 |
| Chevrolet Corvette | $1,677 |
| Chevrolet Camaro ZL1 | $1,813 |
| Porsche 718 Cayman | $1,875 |
| Jaguar F-Type | $1,997 |
| Chevrolet Corvette Z06 | $2,185 |
| Porsche 911 | $2,341 |
| Nissan Z | $2,367 |
| Porsche 911 Turbo | $2,475 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Delaware
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Volvo XC40 is the cheapest luxury car to insure, with an average cost of $1,149 for a full coverage six-month policy. It is followed by the Mercedes-Benz GLA-Class ($1,189) and Acura RDX ($1,192).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Volvo XC40 | $1,149 |
| Mercedes-Benz GLA-Class | $1,189 |
| Acura RDX | $1,192 |
| Cadillac XT5 | $1,207 |
| Cadillac XT4 | $1,213 |
| Lexus RX | $1,218 |
| Audi Q3 | $1,218 |
| Lincoln Corsair | $1,222 |
| Mercedes-Benz GLB-Class | $1,226 |
| Alfa-Romeo Tonale | $1,236 |
| BMW X2 | $1,259 |
| Acura MDX | $1,266 |
| BMW X3 | $1,276 |
| Lexus NX | $1,287 |
| Mercedes-Benz GLC-Class | $1,305 |
| BMW X1 | $1,305 |
| Acura Integra | $1,306 |
| Infiniti QX50 | $1,306 |
| Porsche Macan | $1,310 |
| Jaguar E-Pace | $1,310 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Delaware
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $3,146 a year or $262 a month.
Below is a list of the most affordable EVs to insure in Delaware for a full coverage policy and average six-month premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,146 |
| Kia Niro EV | $1,195 |
| Chevrolet Silverado EV | $1,196 |
| Hyundai Kona Electric | $1,204 |
| Subaru Solterra | $1,204 |
| Volkswagen ID.4 | $1,229 |
| Toyota bZ4X | $1,263 |
| Mercedes-Benz EQB | $1,279 |
| Nissan Leaf | $1,326 |
| Chevrolet Blazer EV | $1,340 |
| Hyundai Ioniq 5 | $1,352 |
| Genesis Electrified GV70 | $1,375 |
| Audi Q4 e-tron | $1,388 |
| Ford F-150 Lightning | $1,394 |
| Ford Mustang Mach-E | $1,396 |
| Hyundai Ioniq 6 | $1,420 |
| Cadillac LYRIQ | $1,430 |
| Volvo XC40 Recharge | $1,431 |
| Jaguar I-Pace | $1,437 |
| Kia EV6 | $1,439 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Delaware
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Subaru Forester costs an average of $4,054 to insure for an 18-year-old driver, whereas a Honda HR-V costs an average of $4,184 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Delaware?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,146 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $1,195, according to our analysis.
Which SUVs are the cheapest to insure in Delaware?
The Subaru Forester is one of the cheapest SUVs to insure in Delaware, with an average cost of $960 for a six-month car insurance plan. The Honda HR-V and Subaru Outback also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Delaware?
The Subaru Forester, Honda HR-V, Subaru Outback and Honda CR-V are some of the cheapest cars to insure for an 18-year-old driver in Delaware. On the other hand, Audi e-tron GT, Maserati Quattroporte and Tesla Model S are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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