Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Nationwide offers the most affordable car insurance at $1,498 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Delaware. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how auto insurance in Delaware works and how much insurance you need.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Delaware, at $1,498 per year.
- In Delaware, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- 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.
- 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?
According to CarInsurance.com data, drivers in Delaware pay about $172 per month for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
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 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 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’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $10,000 in property damage liability.
In Delaware, you can get state minimum car insurance for $788 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Delaware must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Delaware
The average cost of liability-only insurance in Delaware is $1,022 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
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.
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.
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.
Delaware car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Delaware by car model
Delaware car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific 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 you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
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.
Here is how much your car insurance rate increases in Delaware after driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 56% increase
- At-fault accident (bodily injury and property damage): 38% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Delaware for high-risk drivers
In Delaware, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium 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 determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,463 |
| Travelers | $1,657 |
| Nationwide | $2,263 |
| State Farm | $2,548 |
| Progressive | $2,921 |
| American Family | $3,630 |
| Geico | $3,857 |
| Allstate | $6,040 |
| Sentry Insurance | $6,847 |
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.
Below are the details of Delaware car insurance companies and their 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 Delaware’s most expensive city for car insurance at an average cost of $2,361 annually. Little Creek is the state’s least expensive city, with an average car insurance 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.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Find below the average annual car insurance cost for drivers in some of Delaware’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Travelers | $1,653 |
| USAA | $1,693 |
| Geico | $1,856 |
| Nationwide | $1,899 |
| Progressive | $2,061 |
| State Farm | $2,636 |
| Donegal Insurance | $2,995 |
| American Family | $3,134 |
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.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your 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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Delaware.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 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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