The best car insurance in Delaware

Ed Zuccarelli

By

Ed Zuccarelli

Ed Zuccarelli

Freelance contributor

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Published November 17, 2021

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Delaware drivers pay an average of $2,110 for full coverage car insurance, but even in a small state like Delaware, rates vary depending on where you live. In Rehoboth Beach, the average cost of care insurance is $1,759, but drivers in Wilmington pay an average of $2,630 for the same coverage.

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The best way to find affordable car insurance coverage is to shop around and compare rates before you buy. Policygenius can show you what you’ll pay with top car insurance companies, so you can choose the policy that’s right for you.

Key Takeaways

  • State Farm has the lowest average rates in the state at $1,152

  • For Delaware drivers with poor credit, GEICO offers the lowest average rate

  • Delaware requires at least $25,000 per person and $50,000 per accident in bodily injury liability coverage and property damage liability coverage of $10,000

  • Personal Injury Protection (PIP) is also required in Delaware

Cheapest car insurance companies in Delaware

Personal details like your age, gender, and driving history, as well as where you live and what kind of car you drive all go into setting the rates for your car insurance. 

Because no two drivers are the same, the cheapest company for one driver isn’t necessarily going to be the best buy for you. That’s why you should always take the time to shop around and compare quotes before picking a policy.

Company

Average cost

JD Power Rating

State Farm

$1,152

881

USAA

$1,249

890

Travelers

$1,291

861

GEICO

$1,386

871

California Casualty

$1,764

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Cheapest car insurance companies by age in Delaware

Younger and less experienced drivers are more likely to be involved in an accident, which is why they pay the most for car insurance of any age group. Rates may drop gradually as younger drivers gain experience, especially if they maintain a safe driving record.

Age

Cheapest company

Average cost

16

State Farm

$4,315

18

USAA

$3,021

21

USAA

$1,822

25

State Farm

$1,366

30

State Farm

$1,162

35

State Farm

$1,143

45

USAA

$1,131

55

USAA

$1,079

Choosing the right car insurance company in Delaware

There’s no one right car insurance company that will offer the best rates to every driver. Car insurance is personalized, so the only way to be sure you’re finding the right company for you is to shop around and compare quotes before you buy.

Policygenius can help you see options from top companies so you can be sure you’re choosing the best option for your needs.

Car insurance rates for drivers with driving violations in Delaware

Insurance companies consider a less than perfect driving record as an indicator of future claims. The more accidents or moving violations in your recent driving history, the more you’ll pay for car insurance coverage.

Violation

State Farm

USAA

Travelers

GEICO

California Casualty

At-fault Accident

$1,387

$1,322

$1,323

$2,818

$2,265

DUI

$1,274

$2,407

$2,250

$3,271

$4,723

Driving with a suspended license

$1,274

$2,343

$2,250

$3,976

$4,723

Driving with an open container

$1,274

$1,998

$2,250

$3,271

$4,723

Driving with expired registration

$1,274

$1,322

$1,323

$2,083

$2,004

Driving without Lights

$1,274

$1,708

$1,871

$2,083

$2,004

Failure to show documents

$1,274

$1,322

$1,323

$2,083

$2,004

Failure to stop at a red light

$1,274

$1,708

$1,871

$2,083

$2,004

Cheapest car insurance for drivers with bad credit in Delaware

Drivers with poor credit generally pay more for coverage, so if you know your credit is bad, be extra sure to shop around and compare options before you buy. In Delaware, drivers have the option to request that a company not do a credit check, and insurance companies can only use credit information when issuing a new policy, not for renewals.

Company

Rates for drivers with bad credit

GEICO

$2,034

USAA

$2,277

Travelers

$2,485

Nationwide

$2,717

California Casualty

$2,923

Car insurance costs in Delaware cities

Where you live impacts what you pay for car insurance, because companies will consider things like accident rates, reports of car theft and vandalism, even average repair costs in your neighborhood. Here’s what drivers pay, on average, in the 10 biggest cities in Delaware:

  • Wilmington: $2,630

  • Dover: $1,945

  • Newark: $2,309

  • Middletown: $2,092

  • Smyrna: $2,071

  • Milford: $1,867

  • Seaford: $1,867

  • Georgetown: $1,863

  • New Castle: $2,554

  • Millsboro: $1,849

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Buying car insurance in Delaware

Delaware requires that all drivers have at least the following levels of coverage, all though most drivers need well over the state minimums in order to be fully protected:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $10,000

  • Personal Injury Protection (PIP_: $15,000 per person; $30,000 per accident

Even though Delaware is an at-fault state, drivers are required to have a minimum amount of Personal Injury Protection (PIP), which pays medical expenses and related costs if you or your passengers are injured in a car accident, even if another driver was at fault.

How to get cheap car insurance in Delaware

Car insurance can be expensive, but there are a few simple strategies to making sure you’re getting your best car insurance rates:

  • Always compare costs when buying car insurance, and reshop every time your policy is up for renewal

  • Take advantage of discounts, like savings for safe driving and paying your premium up front as opposed to monthly

  • Bundle more than one policy, like auto and home or renters, with one insurance company

Frequently asked questions

Is car insurance mandatory in Delaware?

Yes. Although most drivers will require higher than the state minimums, every driver must maintain at least the minimum coverage for car insurance. If you cannot provide proof of insurance when asked, the state may suspend your license for six months, and impose fines ranging from $1,500 to $2,000. Another violation within three years carries even higher penalties.

I’ve heard of collision and comprehensive coverage, what are those?

Although not required in Delaware, collision coverage pays for damage to your vehicle after an accident, even if you were at fault. Comprehensive coverage covers damage to your car caused by non-accident incidents like fire, flood, theft, and vandalism.

What if I can’t afford insurance, can I list my car on someone else’s policy?

Under certain circumstances, yes. If the policyholder is listed as a co-owner, you and the vehicle may be added to their policy. But you should explain your situation clearly when you’re buying car insurance, to make sure that you’re getting the right coverage.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.