The cost of car insurance in Delaware varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Nationwide offers the cheapest rates at $1,498 a year for full coverage.
This guide makes buying car insurance in Delaware easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how auto insurance in Delaware works and how much insurance you need.
- The average cost of car insurance in Delaware is $2,063 a year or $172 per month, based on our data analysis.
- Minimum liability coverage in Delaware costs around $788 annually for limits of 25/50/10, while liability-only coverage costs $1,022 per year for limits of 50/100/50.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Delaware, costing $1,498 per year.
- In Delaware, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 30%, a DUI raising rates by 56%, and an at-fault accident by up to 38%.
How much is car insurance in Delaware?
In Delaware, drivers pay an average of $172 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Delaware based on driver profile:
- Teen drivers in Delaware pay the most — about $625 a month or $7,504 a year.
- Young drivers in their 20s pay an average of $300 monthly or $3,597 annually, for car insurance.
- Senior drivers pay around $175 monthly or $2,102 a year.
- A speeding ticket can increase your rates to $237 monthly or $2,846 annually.
- An at-fault accident increases car insurance rates to $268 a month or $3,210 a year.
- Poor credit drivers usually see their car insurance costs increase to $298 monthly or $3,573 annually.
Average cost of auto insurance in Delaware by coverage level
Car insurance costs in Delaware can differ based on the coverage limit. To legally drive, Delaware residents must adhere to the minimum liability limits of 25/50/10.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Delaware. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Delaware for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $66 | $788 |
| Liability Only – 50/100/50 BI/PD | $85 | $1,022 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 | $2,063 |
State minimum car insurance in Delaware
Delaware laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $10,000 for property damage liability.
The state minimum car insurance cost in Delaware is $788 a year. However, this basic coverage only offers limited protection. Delaware drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Delaware must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Delaware
According to CarInsurance.com data, liability-only car insurance costs $1,022 in Delaware for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Delaware
In Delaware, you can expect to pay around $2,063 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Delaware
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, residents in higher-risk neighborhoods in Delaware pay more for premiums than those in lower-risk areas.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Delaware
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
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Estimate car insurance in Delaware by car model
Car insurers in Delaware use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle make and model in Delaware.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Delaware
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Delaware drivers aged 30 to 60 have the lowest average auto insurance rates at $2,015 annually.
Delaware drivers aged 16-19 pay $5,489 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,504 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,406 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,015 per year in Delaware.
- For senior drivers: Drivers age 65 and older can expect to pay $2,102 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Delaware
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Delaware, a DUI conviction often results in higher premiums and you may see an increase of up to 56% as insurers perceive you as a high-risk driver.
If you get caught speeding in Delaware, your car insurance rates will increase by 30% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 56% increase
- At-fault accident (bodily injury and property damage): 38% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Delaware for high-risk drivers
High-risk drivers in Delaware pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Delaware
In Delaware, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in Delaware by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Delaware, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Nationwide | $732 | $828 | $1,498 |
| Travelers | $512 | $688 | $1,595 |
| GEICO | $530 | $792 | $1,695 |
| Progressive | $974 | $1,188 | $1,999 |
| State Farm | $794 | $991 | $2,153 |
| Donegal | $1,164 | $1,446 | $2,673 |
| American Family | $999 | $1,306 | $2,709 |
| Allstate | $1,305 | $1,574 | $3,631 |
| USAA | $482 | $702 | $1,463 |
Car insurance rates by city in Delaware
Delaware City is the priciest city in Delaware for car insurance, costing an average of $2,361 annually. On the other hand, Little Creek is the most affordable city, where drivers pay an average of $1,835 per year for car insurance.
Car insurance premiums differ across cities in Delaware and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Delaware.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Delaware per month?
In Delaware, a full coverage car insurance policy with 100/300/100 limits typically costs about $172 per month.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $66 |
| Liability Only – 50/100/50 BI/PD | $85 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 |
Final thoughts on choosing car insurance in Delaware
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Delaware.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Delaware. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/10.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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