Delaware Auto Insurance (2024)
Delaware auto insurance averages $169/mo. However, you'll pay lower rates if you only need to meet Delaware auto insurance requirements. USAA, Progressive, Travelers, and State Farm offer cheap car insurance policies in Delaware. Below, we'll help you find Delaware's best and cheapest car insurance coverage.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Delaware auto insurance costs $169 monthly, but rates vary based on factors like driving profile, age, gender, and coverage amount
- To meet Delaware’s auto insurance requirements, drivers must carry personal injury protection and 25/50/25 in liability coverage
- You can get cheap car insurance in Delaware from USAA, Travelers, Progressive, Geico, and State Farm
Most drivers can find cheap auto insurance in Delaware by comparing the best auto insurance companies and keeping clean driving records. However, it may be more difficult for some drivers to find cheap Delaware auto insurance if they have poor driving records or live in one of the more expensive Delaware cities for insurance.
Keep reading to learn more about Delaware car insurance requirements, full coverage auto insurance in Delaware, and compare Delaware auto insurance quotes based on certain demographics and driving profiles.
- Cheap Auto Insurance in Delaware
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Cheap Delaware Auto Insurance
Just because a company is known for being cheap doesn’t mean it will be your cheapest insurance company. It’s important to see how much an insurance company charges for accidents, different coverages, and similar factors before committing to a Delaware auto insurance company.
Cheapest Delaware Auto Insurance Companies for Minimum Liability
All drivers must carry minimum liability auto insurance to drive legally in Delaware. On average, it costs $89 monthly to meet Delaware auto insurance requirements. Carrying the bare minimum insurance can make car insurance much more affordable, but this policy won’t cover your own vehicle if you cause an accident.
Check out the average rates below and find the cheapest Delaware auto insurance companies for minimum liability coverage:
Liability Auto Insurance Average Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
USAA auto insurance has some of the cheapest liability rates in Delaware, offering average monthly rates of $23. However, only military members and their families can get USAA. If you don’t qualify, Travelers and Progressive may be your next best car insurance options in Delaware, with monthly rates of $43 and $47, respectively.
Cheapest Delaware Auto Insurance Companies for Full Coverage
Full coverage auto insurance, which generally consists of liability, collision, and comprehensive insurance, protects you from out-of-pocket expenses after an accident. However, full coverage auto insurance in Delaware costs $169 monthly.
See what Delaware auto insurance companies charge for full coverage below:
Full Coverage Auto Insurance Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Travelers auto insurance offers the cheapest full coverage auto insurance in Delaware, with average monthly rates of $82. The next best car insurance companies in Delaware are Progressive auto insurance and Geico, offering respective monthly rates of $90 and $101.
Cheapest Delaware Auto Insurance Companies for Bad Credit
In Delaware, auto insurance companies can use credit scores as a factor when calculating a driver’s rates. Drivers with poor credit pay $316 monthly on average for full coverage auto insurance in Delaware.
Insurance companies charge more for drivers with poor credit because they’re considered higher risk. Drivers with poor credit scores are more likely to miss payments, leading to a greater risk of their insurance getting canceled and them driving without insurance.
See the table below to compare auto insurance rates by credit rating:
Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| AAA | $245 | $165 | $135 |
| Allstate | $296 | $197 | $166 |
| American Family | $203 | $136 | $116 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Hartford | $230 | $155 | $120 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| U.S. Average | $226 | $148 | $123 |
The best auto insurance companies in Delaware for drivers with bad credit are Travelers and Progressive, offering average monthly rates of $152 and $163, respectively.
Cheapest Delaware Auto Insurance Companies With a DUI
A DUI is one of the worst offenses a driver can have on their record and can raise a driver’s rates substantially. Expect auto insurance for drivers with a DUI to go up after a conviction, but the amount it increases depends on the insurance company. On average, Delaware car insurance with a DUI costs $340 monthly.
Take a look at how much insurance companies charge for a DUI below:
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
You’ll find the lowest average Delaware auto insurance quotes from Progressive if you have a DUI. Expect to pay $114 monthly for full coverage with Progressive with a DUI. On the other hand, Liberty Mutual auto insurance rates in Delaware skyrocket to $1,405 after a DUI.
Cheapest Delaware Auto Insurance Companies for an At-Fault Accident
At-fault accidents are another factor that greatly impacts auto insurance rates, causing them to increase by hundreds of dollars annually. Expect to pay $218 monthly for Delaware auto insurance after an at-fault accident.
The table below will show you how much different insurance companies charge after an at-fault accident:
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
You’ll find the best deal on Delaware auto insurance after an at-fault accident with Travelers, costing $82 monthly for full coverage.
Cheapest Delaware Auto Insurance Companies for Young Drivers
Young drivers often struggle to find cheap insurance rates, as insurance companies profile them as high-risk drivers due to inexperience. Usually, teenagers who purchase their own policies pay up to three times more than the average car insurance rate. Auto insurance for teens in Delaware is $908 monthly on average.
Below, you can see the cheapest auto insurance companies for young drivers:
Full Coverage Auto Insurance Monthly Rates for Teen Drivers
| Insurance Company | 16-Year-Old Female | 16-Year-Old Male | 18-Year-Old Female | 18-Year-Old Male |
|---|---|---|---|---|
| Allstate | $608 | $638 | $448 | $519 |
| American Family | $390 | $480 | $288 | $390 |
| Farmers | $778 | $742 | $573 | $603 |
| Geico | $298 | $312 | $220 | $254 |
| Liberty Mutual | $716 | $778 | $528 | $633 |
| Nationwide | $411 | $476 | $303 | $387 |
| Progressive | $801 | $814 | $591 | $662 |
| State Farm | $311 | $349 | $229 | $284 |
| Travelers | $709 | $897 | $523 | $729 |
| U.S. Average | $558 | $610 | $411 | $496 |
Geico auto insurance offers the cheapest rates for teen drivers, averaging $253 monthly for a full coverage policy. The next best car insurance company in Delaware is State Farm, where teens can get a policy for $490 monthly. However, in most cases, a teen driver should join their parent’s policy, since it’s cheaper than buying a separate Delaware auto insurance policy.
Cheapest Delaware Auto Insurance Companies by City
In addition to coverage choices and personal driving records, insurance companies also look at a driver’s location. If a driver lives in an area in Delaware prone to multiple crashes, poor weather, or crime, they’ll have higher insurance rates to offset the potential risk of them filing a claim. So, comparing auto insurance rates by ZIP code is vital to finding cheap rates in DE.
One of the cheapest major cities for car insurance is Dover, whereas Wilmington has some of the most expensive rates for car insurance. Compare Wilmington, DE auto insurance rates.
Delaware Auto Insurance Laws
All drivers must follow Delaware’s auto insurance laws to avoid fines and penalties. Read on to learn about everything from the insurance coverages you must carry to SR-22 requirements for high-risk drivers in Delaware.
Delaware Auto Insurance Coverage Requirements
Every driver in Delaware must carry bodily injury liability insurance, property damage liability insurance, and personal injury protection auto insurance. Take a look at Delaware’s state minimum auto insurance requirements below:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
- Personal injury protection: $15,000 per person and $30,000 per accident
You must carry these auto insurance coverage amounts in Delaware to drive legally.
Read More:
- Bodily Injury Liability (BIL) Auto Insurance
- Best Property Damage Liability (PDL) Auto Insurance Companies
- Personal Injury Protection (PIP) Auto Insurance
However, the amount required in Delaware isn’t always enough to cover all the costs of an accident, so if you can afford higher premiums, you should increase your amounts.
Delaware Auto Insurance Optional Coverages
Property damage liability, bodily injury liability, and personal injury protection are the only coverages required by law in Delaware. However, if you have a loan or lease on your car, your lender may require you to carry collision and comprehensive insurance. Other than that, all the following coverages are optional in Delaware.
- Comprehensive coverage: Comprehensive auto insurance helps if your car gets damaged in a non-accident-related event, like severe weather or vandalism.
- Collision coverage: Collision auto insurance helps pay for repairs if your car gets damaged in an accident. Without collision coverage, you may have to pay for repairs to your vehicle out of pocket.
- Gap coverage: Gap insurance helps pay the difference between what you owe on your car and what your car is worth after depreciation.
- Medical payment: Medical payments coverage on auto insurance covers medical bills, doctor’s visits, and other medical costs associated with a covered event.
- Roadside assistance: Roadside assistance coverage helps if your car breaks down and you need certain assistance, like fuel services or flat tire repair.
- Uninsured/underinsured motorist coverage: Uninsured/underinsured motorist coverage reimburses you after an accident if the at-fault individual doesn’t carry proper Delaware-mandated liability coverage.
- Rental car reimbursement: If your car is in the shop due to a covered event, rental car reimbursement helps pay up to a certain amount for a rental vehicle.
While adding optional coverages raises your insurance rates, you’ll have financial protection after an accident. Read more about Delaware windshield replacement auto insurance.
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The required coverages in Delaware only protect you by paying for other parties’ costs if you cause an accident — they won’t pay for your car repairs.
Delaware DUI Laws
If you get convicted of a DUI in Delaware, there are more penalties than just increased insurance rates, making it hard to find cheap car insurance in Delaware. Some of the other consequences include fines, probation, jail time, or suspended licenses. Read more about the best auto insurance companies for drivers with a DUI.
State Farm and Progressive offer the cheapest car insurance rates in Delaware after a DUI, averaging $114/mo and $127/mo, respectively.
Read More:
The penalties for a first DUI offense won’t be as harsh as those for a third DUI offense, but even a first DUI conviction will result in hefty fines, potential jail time, and other penalties.
Delaware SR-22 Auto Insurance Requirements
Drivers with severe infractions on their records, such as driving without insurance or a DUI, must have an SR-22 certificate. An SR-22 certificate is a form filed by your insurance company that proves you meet Delaware auto insurance requirements.
If you’re currently insured, let your current insurance company know you need SR-22 certification. If you don’t have insurance, you’ll need your new insurance company to apply for SR-22 auto insurance. Remember that an insurance company may refuse to insure high-risk drivers, so you may have to shop around at a few different companies.
You must purchase non-owner auto insurance if you don’t own a car. You must show proof of insurance to get an SR-22 certificate, so you must get car insurance before applying for an SR-22 in Delaware. Read more about non-owner SR-22 auto insurance requirements in Delaware.
How to Find Cheap Auto Insurance in Delaware
You’ll pay $169 monthly for full coverage auto insurance in Delaware, though rates vary by various factors like driving profile and demographics. However, you can find cheap car insurance in Delaware by shopping around and comparing rates.
Serious infractions, such as a DUI or an at-fault accident, may significantly raise the price of auto insurance in Delaware.
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Frequently Asked Questions
What is the cheapest car insurance in Delaware?
USAA, Travelers, Progressive, Geico, and State Farm have some of the cheapest full coverage auto insurance rates in Delaware.
Why is car insurance so high in Delaware?
Delaware auto insurance costs $169 monthly, 42% higher than the national average. The high cost of Delaware car insurance is likely because the state has such a high population density despite being a small state.
Still, the cost of insurance depends on the driver’s record and their insurance company. Find cheap car insurance in Delaware by comparing quotes from various companies.
What is the minimum auto insurance required in Delaware?
Drivers must carry bodily injury liability insurance, property damage liability insurance, and personal injury protection insurance.
What are the penalties for not carrying the minimum car insurance?
Drivers in Delaware who don’t carry the minimum auto insurance amounts face fines, suspended licenses/registrations, SR-22 insurance, and more.
Is car insurance cheaper in Delaware or Florida?
Delaware auto insurance averages $169 monthly, while Florida car insurance costs around $152 monthly. While Delaware has higher rates than Florida, finding cheap car insurance in Delaware is possible with discounts.
Is Delaware a no-fault auto insurance state?
No, Delaware isn’t a no-fault auto insurance state. Instead, it’s an “at-fault” state, meaning the at-fault driver is financially responsible for the medical bills and damages they cause in an accident. However, like many no-fault states, Delaware requires personal injury protection auto insurance, which covers your medical bills and lost wages.
What happens if I drive without auto insurance in Delaware?
Driving without auto insurance in Delaware is illegal and can result in severe penalties, including fines, suspension of your driver’s license, and registration, as well as the requirement to file an SR-22 form (proof of insurance) with the Delaware Department of Insurance.
How can I find the best auto insurance rates in Delaware?
To find the best auto insurance rates in Delaware, we recommend you:
- Shop around and obtain quotes from multiple insurance companies.
- Consider factors such as coverage options, deductibles, and customer reviews.
- Maintain a good driving record and credit score, as they can affect your insurance premiums.
- Inquire about discounts for which you may be eligible, such as safe driver discounts or bundling policies with the same insurer.
Can my auto insurance rates be increased if I’m involved in an accident in Delaware?
Yes, it’s possible for your auto insurance rates to increase if you’re involved in an accident in Delaware. Insurance companies consider factors such as fault, the severity of the accident, and your claims history when determining Delaware premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.