- 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%.
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 get a clear idea of how car insurance in Delaware works and how much coverage you need.
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
In Delaware, car insurance rates can differ depending on how much coverage you choose. Drivers in Delaware are required by law to have minimum insurance coverage limits of 25/50/10 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Delaware, but it doesn’t offer adequate 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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage 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
In Delaware, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $10,000 of property damage liability.
The state minimum coverage in Delaware costs $788 a year but doesn’t provide much protection for drivers. Delaware drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra 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.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Delaware
On average, premiums for full coverage car insurance in Delaware cost $2,063 per year 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Delaware pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
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 ( Full - 100/300/100)
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Estimate car insurance in Delaware by car model
In Delaware, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Delaware drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,015 annually.
Car insurance for drivers aged 16-19 costs $5,489 more annually than Delaware 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
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Delaware, a DUI conviction lead to increased rates and you may see a rate hike of up to 56% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Delaware, be prepared for your car insurance rates to rise by up to 30% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
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
In Delaware, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
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
Drivers in Delaware can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Delaware by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Delaware and 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 most expensive city in Delaware, with an average car insurance rate of $2,361 a year. Little Creek is the cheapest city for Delaware drivers at an average rate of $1,835 annually.
Car insurance rates vary by city in Delaware for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the 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.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| 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.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
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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