How Much Is Car Insurance in Delaware? Rates by Coverage Level, Age, Driving History and Location

Delaware's annual average car insurance quote is $1,483, which is slightly higher than the national average of $1,424. When MoneyGeek calculated averages for various insurers across the country, Delaware ranked 41st. Averages were computed based on coverage level, age, driving history, credit score and location.

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The average car insurance cost in Delaware is $1,483, based on a 40-year-old male driver with a full coverage policy and clean driving record. The minimum amount of car insurance coverage required by the state would cost an average of $913 per year for the same 40-year-old driver.

Insurance premiums vary substantially depending on your driving profile. A young driver can expect to pay approximately $3,801 yearly for a full coverage policy, which is $2,318 more than our 40-year-old driver pays for the same coverage.

MoneyGeek has broken down Delaware's average insurance costs across several factors to help you understand how much these rates are affected and can fluctuate.

Average Cost of Car Insurance in Delaware: Summary

MoneyGeek investigated the average car insurance premiums in Delaware based on factors that directly affect them. The driver's age and credit score are the two main components that impact average auto insurance rates in the state.

In order to get the best price, it's important to learn as much as you can about the average car insurance rates for your specific needs and driver profile.

Average Costs of Car Insurance in Delaware

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Why Are Car Insurance Rates Moderately Priced in Delaware?

According to MoneyGeek's analysis, Delaware is one of the states with a moderate range of auto insurance prices. Most of the state's drivers (83%) live in urban areas, which increases the risk of accidents. Additionally, Delaware has the sixth-highest traffic density in the nation, again raising the chance of collisions.

However, the state also has a lower rate of uninsured drivers and vehicle theft, with few occurrences of natural disasters. If you received a high quote, it might be due to any of these factors being rated high in your specific location.

Average Cost of Car Insurance in Delaware: Full Coverage vs. Minimum Coverage

As analyzed by MoneyGeek, a state minimum car insurance policy costs an average of $913 per year, while the average annual cost of full coverage car insurance in Delaware is $1,483. That’s a difference of $570.

In other words, the level of coverage you purchase determines the average cost of vehicle insurance in Delaware. Auto insurance providers offer a wide range of insurance coverage. You are required to purchase the state minimum coverage, which is liability only. Any additional coverage would of course increase the cost of the policy.

Comprehensive, collision and liability coverage are all included in a full coverage insurance policy. This explains why it is more expensive than the state minimum coverage.

Average Cost of Car Insurance in Delaware by Coverage Level

Minimum vs. Full Coverage Car Insurance Costs in Delaware - By Company

Whatever type of coverage you buy, each insurance company will give you a different estimate. As a result, the insurer you choose will also have a significant impact on your car insurance rate.

State Farm typically provides the cheapest full coverage insurance quote for Delaware drivers. When it comes to the cheapest liability only insurance, it again varies by state, but for Delaware, State Farm also provides the most affordable coverage.

USAA is the least expensive option for both state minimum and 50/100/50 liability insurance. The latter refers to policy limits: In this case, $50,000 for bodily injury per person, $100,000 for bodily injury per accident, and $50,000 for property damage. Note that USAA plans are only available to current and former military personnel, as well as their families.

For both state minimum liability only and full coverage plans, Allstate has the most expensive quotes on average.

Average Annual Costs of Car Insurance in Delaware - By Company

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How Much Is Car Insurance in Delaware by Age

A driver’s age can adversely affect the car insurance rates in Delaware. Because of their inexperience, young drivers are considered high-risk, and insurers charge them substantial premiums. The most effective way young drivers can save money on insurance rates is to be added to their parent's auto insurance policy.

According to MoneyGeek, the average price difference between a 40-year-old driver’s and a young driver’s full coverage insurance in Delaware is $2,318 per year. In fact, new drivers in Delaware, regardless of age, may face insurance rates comparable to those of young drivers.

Average Costs of Full Coverage Car Insurance in Delaware - By Age

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  • Age
    Annual Premium
  • $3,801
  • $3,511
  • $3,124
  • $3,529
  • $3,102
  • $2,451
  • $2,240
  • $1,967
  • $1,808
  • $1,655
  • $1,553
  • 40
    $1,483
  • $1,482

How Does Driving History Affect Car Insurance Costs in Delaware?

If you have a history of auto accidents or repeated traffic infractions, insurance companies may deem you high-risk. That means you’ll usually be quoted higher insurance premiums. MoneyGeek research shows that getting just one speeding ticket may add about $267 a year to the cost of your insurance policy. The amount varies according to the type of offense and its severity.

If you shop around, you may be able to find more affordable rates in Delaware, whatever your driving history.

Average Costs of Full Coverage Car Insurance in Delaware - By Driving History

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  • Driving Violation
    Annual Premium
  • Safe Driver
    $1,483
  • Speeding Ticket
    $1,749
  • At-Fault Accident
    $2,045
  • DUI
    $2,591

Credit Scores and the Cost of Car Insurance in Delaware

Insurers use your credit score to calculate your likelihood of making a claim in Delaware. You may save a lot of money on insurance premiums if you have a good credit score.

According to MoneyGeek's research, drivers with bad credit scores pay about $1,365 more per year in Delaware than those with good credit. If you have an excellent credit score, you could save an additional $325 each year in premiums.

While having a poor credit score may entail a higher premium, you can still find affordable insurance plans in Delaware.

Average Costs of Full Coverage Car Insurance in Delaware - By Credit Score

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  • Credit Score
    Annual Premium
  • Excellent
    $1,269
  • Good
    $1,594
  • Fair
    $1,989
  • Below Fair
    $2,373
  • Poor
    $2,959

How Much Is Car Insurance in Your City?

Auto insurance premiums differ a great deal between states and even within each state. To study the average car insurance costs in Delaware, MoneyGeek used the city of Wilmington.

Your insurance premium will be higher if you live in a densely-populated location or one with a significant risk of traffic accidents or natural disasters. The rate of vehicle theft in your area can similarly impact your insurance premiums.

Average Costs of Full Coverage Car Insurance in Delaware - By City

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Frequently Asked Questions About Delaware Car Insurance Rates

Here are the answers to some of the most frequently asked questions concerning Delaware's car insurance rates.

Methodology

For this study, MoneyGeek gathered auto insurance quotes in partnership with Quadrant Information Services. Unless altered by the factors that affect the rates, such as coverage levels, age, driving offenses and credit score, all plans examined were for a 40-year-old male driver in Delaware with a clean driving record and full coverage. Our methodology page describes the exact limits of the full coverage policy.

MoneyGeek also obtained the following statistics on traffic density, uninsured motorists, the percentage of urban population and car theft:

  • Highway traffic density was calculated with 2019 data from the Federal Highway Administration.
  • Data on uninsured motorists was drawn from 2019 data from the Insurance Research Council.
  • Urban share of population was calculated using the latest data from the U.S. Census Bureau.
  • Data on motor vehicle theft rate was drawn from the FBI Crime in the United States Report for 2019.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.