BestCar InsuranceDelawareBest Car Insurance in Delaware (May 2023)
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Overall, Travelers is the best insurer in Delaware. It is also the most suitable for young adults, senior drivers, drivers with bad records and drivers with a new vehicle, in addition to being the best provider for minimum coverage and customer service. USAA would suit military drivers best.
If you want to save money, you can consider the cheapest car insurance in Delaware based on MoneyGeek’s analysis.
BestCar InsuranceDelawareBest Car Insurance in Delaware
Best Overall - Travelers
Best for Service - Travelers
Best for Minimum Coverage - Travelers
Best for Young Adults - Travelers
Best for Seniors - Travelers
Best for Driving Offenses - Travelers
Best for New Cars - Travelers
Best for Military - USAA
Best Overall for Car Insurance in Delaware
MoneyGeek found Travelers is the best auto insurance company offering full coverage car insurance in Delaware. The following companies are the ideal options for full coverage policies:
- Travelers: MoneyGeek score of 93 out of 100 (approximately $864 per year)
- State Farm: MoneyGeek score of 91 out of 100 (approximately $817 per year)
Travelers has the second most affordable policies among other insurers and scores well for customer service.
To save money, you can shop for insurers offering the cheapest full coverage car insurance in Delaware.
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TravelersBest Overall
Score:93
Travelers is our top pick in Delaware as it offers affordable policies and ranks well for coverages. On average, the company charges $864 per year for a policy. It provides accident forgiveness that can help you avoid increasing premiums.
More About Travelers
Travelers offers various valuable coverages to its policyholders, including accident forgiveness, gap insurance, new car replacement and more.
With accident forgiveness coverage, your premium won't increase after an accident if you have been a responsible driver without any mishaps for a specified time. Gap insurance can significantly benefit you if you have a financed or leased vehicle.
If your vehicle is totaled, this coverage pays for the difference between the unpaid auto loan balance and the car's actual cash value. Travelers will replace your new car with the same make and model if it gets totaled within the first five years through its new car replacement coverage.
The insurer scored well for affordability and coverages but ranked lower for claims and satisfaction. It also has a high stability score.
2
Travelers
Score:93
Travelers is our top pick in Delaware as it offers affordable policies and ranks well for coverages. On average, the company charges $864 per year for a policy. It provides accident forgiveness that can help you avoid increasing premiums.
More About Travelers
Travelers offers various valuable coverages to its policyholders, including accident forgiveness, gap insurance, new car replacement and more.
With accident forgiveness coverage, your premium won't increase after an accident if you have been a responsible driver without any mishaps for a specified time. Gap insurance can significantly benefit you if you have a financed or leased vehicle.
If your vehicle is totaled, this coverage pays for the difference between the unpaid auto loan balance and the car's actual cash value. Travelers will replace your new car with the same make and model if it gets totaled within the first five years through its new car replacement coverage.
The insurer scored well for affordability and coverages but ranked lower for claims and satisfaction. It also has a high stability score.
3
State Farm
Score:91
State Farm has the highest scores for affordability and came second for customer satisfaction. The average policy cost with this insurer is $817 per year, the cheapest compared to other insurers. It offers rental car or travel reimbursement coverage for certain expenses up to specific limits.
More About State Farm
State Farm offers typical coverage, including roadside assistance and rental car or travel reimbursement. Rental car or travel reimbursement coverage covers the rental cost of a vehicle, your travel costs and the deductible repayment up to certain limits.
Roadside assistance coverage can help if your car breaks down on the road and you get stranded. It covers the cost of mechanical labor, towing, changing of a flat tire, locksmith labor and other expenses to help you get back on the road. State Farm’s coverage also includes rideshare insurance that can help Uber or Lyft drivers extend the coverage of their personal auto policy.
The company doesn’t offer many coverage options, but it’s the best option for a full coverage policy due to its affordable rates and high level of customer satisfaction.
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State Farm
Score:91
State Farm has the highest scores for affordability and came second for customer satisfaction. The average policy cost with this insurer is $817 per year, the cheapest compared to other insurers. It offers rental car or travel reimbursement coverage for certain expenses up to specific limits.
More About State Farm
State Farm offers typical coverage, including roadside assistance and rental car or travel reimbursement. Rental car or travel reimbursement coverage covers the rental cost of a vehicle, your travel costs and the deductible repayment up to certain limits.
Roadside assistance coverage can help if your car breaks down on the road and you get stranded. It covers the cost of mechanical labor, towing, changing of a flat tire, locksmith labor and other expenses to help you get back on the road. State Farm’s coverage also includes rideshare insurance that can help Uber or Lyft drivers extend the coverage of their personal auto policy.
The company doesn’t offer many coverage options, but it’s the best option for a full coverage policy due to its affordable rates and high level of customer satisfaction.
How the Best Insurers in Delaware Rank: MoneyGeek Scores and Costs
MoneyGeek analyzed seven insurance providers in Delaware and found State Farm offers the best car insurance.
Although State Farm has the most affordable policies and scored high for customer satisfaction, it doesn’t score well for claims management and coverage options. Travelers outranks it in these categories.
These insurers qualified because sufficient data were available for all individual scoring components. The rates obtained in this analysis are for a full coverage policy.
Best Car Insurance in Delaware for Customer Service
Drivers looking for excellent customer service regardless of the cost can benefit from Travelers’ policies.
MoneyGeek found the following companies offering good customer service in Delaware:
- Travelers: MoneyGeek score of 90 out of 100 (approximately $904 per year)
- American Family: MoneyGeek score of 89 out of 100 (approximately $2,034 per year)
Travelers ranks well for coverage options and customer satisfaction. This insurer is second-cheapest among other insurers in Delaware, which shows it does not charge a high price for excellent customer service.
pros
Ranked well for affordability among other insurers.
Second-highest customer satisfaction score out of seven insurers
Offers new car replacement, gap insurance and accident forgiveness coverages
cons
Claims score is subpar
COMPANY HIGHLIGHTS
Travelers has the highest customer satisfaction score and offers rare coverages, including gap insurance, new car replacement and accident forgiveness, making it the ideal choice for drivers looking for the best customer service.
The company’s Premier New Car Replacement coverage can help you get a brand new car of the same make and model if you total your vehicle in the first five years after purchase. This insurer also offers gap insurance, which protects you against damage to a financed car. If you have this coverage and your vehicle gets totaled, it will help you cover the difference between your vehicle’s actual cash value and the remaining loan amount. With accident forgiveness coverage, you can avoid increasing your premium after an at-fault accident, but you must not have caused an accident during a specified period.
What Makes an Insurer the Best for Customer Service?
An insurance company will have good customer service if it swiftly addresses your complaints and provides a resolution. It should also offer a convenient claims settlement experience. We evaluated the National Association of Insurance Commissioners (NAIC) and J.D. Power scores for this category.
Travelers’ customer satisfaction ratings are the second-highest in Delaware and the insurer has a decent number of coverage options, making it the best choice for good customer service in Delaware.
Best Car Insurance in Delaware for Minimum Coverage
Travelers offers the best minimum coverage policy in Delaware. MoneyGeek chose this insurer as the best option after analyzing many minimum coverage policies' affordability and service quality.
The following companies would be the ideal options for a minimum coverage policy:
- Travelers: MoneyGeek score of 94 out of 100 (approximately $464 per year)
- State Farm: MoneyGeek score of 91 out of 100 (approximately $520 per year)
Travelers scored well for affordability and coverage options.
The cheapest auto insurance in Delaware will have lower monthly costs, but it won't provide sufficient protection and cover your vehicle damages.
pros
An affordable minimum coverage policy has an average cost of $464 per year
Offers new vehicle, paperless payment and multiple car discounts
Ranked the highest for affordability out of six insurers
Ranked second for coverage options out of six insurers
cons
Doesn’t rank well for claims management
Lower ranking for satisfaction
COMPANY HIGHLIGHTS
Travelers has the best affordability score among other insurers in Delaware, which shows it offers the cheapest minimum coverage policies. The company also ranked well for coverage, providing many common and rare options.
The common discounts the company offers include a discount on bundling multiple insurance policies, insuring two or more cars and safe driving for the past three to five years.
It also offers rare discounts on paperless billing and paying your premium in full. You can save money on your premiums if you get a quote from Travelers before your current policy expires. The company offers a discount to drivers with new vehicles or car owners whose vehicles are less than three years old. It’s even possible to get a loyalty discount with this insurer.
What Makes an Insurer the Best for Minimum Coverage?
An insurance company that offers affordable rates and doesn’t compromise much on service quality is usually the best option for minimum coverage.
Travelers offers the cheapest minimum coverage policies in Delaware. However, it has average scores for customer satisfaction, which shows that the trade-off to affordable prices is service quality. State Farm, the runner-up, scored better for satisfaction.
Best Car Insurance in Delaware for Young Adults
Travelers is the best option for car insurance for young adults in Delaware. MoneyGeek analyzed the affordability and service quality of full coverage policies for young adults to find the best insurance providers.
The ideal options for buying a car insurance policy for young adults in Delaware are:
- Travelers: MoneyGeek score of 93 out of 100 (approximately $980 per year)
- State Farm: MoneyGeek score of 90 out of 100 (approximately $1,109 per year)
Besides the perfect affordability score, Travelers ranked relatively well for coverage.
You will generally pay less for car insurance in your 20s than in your teens, but the insurance cost is still higher than for older drivers. To save money, you can find insurers that offer the cheapest car insurance for young adults in Delaware.
pros
Ranked the highest for affordability among other insurance providers
Second-highest score for coverage options
Offers distant student, driver’s education and good student discount
cons
Average claims management scores
Low satisfaction score
COMPANY HIGHLIGHTS
Travelers' policies are the most affordable out of the seven insurers, costing an average of $980 annually for young adults. It also offers many standard and rare coverages, earning the second-highest score for coverages.
You can qualify for a discount as a young driver if you're on your parent's policy and go to school 100 miles or more away from home. You may qualify for a discount if you have excellent academic performance and have maintained an average 'B' or better, but these discounts are only available for full-time students. You can also save money on your insurance premiums if you take an approved driver's education course.
Travelers provides common coverages that can help you get emergency roadside assistance, avoid an increase in premiums due to an accident and extend your personal policy's coverage when working for a rideshare company.
What Makes an Insurer the Best for Young Adults?
Before choosing a company, young drivers should consider if it offers good service quality and affordable policies and gives them opportunities to save on their policy through various discounts.
A comparison of Travelers and State Farm shows that the former charges the cheapest rates and is better than the latter in terms of service quality and claims settlement. Sources like J.D. Power and the NAIC contributed to these rankings.
Best Car Insurance in Delaware for Seniors
MoneyGeek’s research shows that the seniors in Delaware can benefit the most from Travelers’ policies. We analyzed insurers’ affordability and service quality for full coverage policies for 65-year-old drivers.
The following insurers might suit senior drivers in Delaware:
- Travelers: MoneyGeek score of 93 out of 100 (approximately $864 per year)
- State Farm: MoneyGeek score of 91 out of 100 (approximately $817 per year)
Travelers scored well for affordability and customer satisfaction. Your insurance rates might be similar to drivers in their 30s to 50s, but there could be a significant increase in your 70s. Consider finding the cheapest car insurance in Delaware for seniors to save money.
pros
Ranked second for affordability with an average annual cost of $864
Ranked first for customer satisfaction out of seven other insurance providers
cons
Poor scores for claims settlement
Low score for coverage options
COMPANY HIGHLIGHTS
MoneyGeek analyzed Travelers as the best car insurance company for seniors because it has the highest customer satisfaction score and offers affordable policies. Since it has the highest score, you can expect that the insurer will handle your complaints well and resolve them promptly.
Seniors can benefit from its rental car reimbursement coverage. This can help them cover the cost of a rental car if their vehicle isn’t driveable for more than 24 hours after getting damaged in an accident.
The insurer also offers roadside assistance coverage, which can provide help if your vehicle breaks down and you find yourself stranded. This coverage will pay for various expenses to help you get back on the road.
Keep in mind that Travelers earned lower scores for claims management and coverage options.
What Makes an Insurer the Best for Seniors?
Insurance providers generally consider drivers in their 60s experienced and mature, which is why they pay lower rates. However, as a senior driver, you should consider opting for insurers that offer personal injury protection (PIP) coverage, discounts and affordable policies.
State Farm doesn’t offer PIP coverage, but it provides the cheapest policies and great customer satisfaction, which makes it excellent for senior drivers. The runner-up does score better in terms of coverage options though.
Best Car Insurance in Delaware for Drivers With Offenses
The best car insurance company for drivers with violations on their record is Travelers, based on MoneyGeek’s analysis. Rankings were based on the cost and service quality of insurers offering full coverage policies in Delaware for drivers with violations.
The following companies are best for drivers with bad records:
- Travelers: MoneyGeek score of 93 out of 100 (approximately $1,145 per year)
- State Farm: MoneyGeek score of 91 out of 100 (approximately $1,065 per year)
Travelers stood out from the competition based on its high customer satisfaction scores and affordability ratings. Drivers in Delaware pay an average of $679 more with an at-fault accident, $638 more with a DUI and $305 more with a speeding ticket. You can shop for the cheapest car insurance in Delaware after an incident to save on premiums.
pros
High score for affordability with an average policy cost of $1,145 per year
Offers roadside assistance and rental car cost reimbursement
Ranked second for customer satisfaction out of seven other insurers
cons
Ranked poorly for claims management
COMPANY HIGHLIGHTS
MoneyGeek found Travelers one of the most affordable options for drivers with offenses in Delaware since it charges $1,145 for insuring such drivers. We analyzed J.D. Power reports and customer complaint data and found that the company ranked first for customer satisfaction among its competitors.
The company offers coverages like new car replacement, accident forgiveness, rental car reimbursement and roadside assistance, which can significantly benefit drivers with offenses on their records.
If it has been long since you’ve had an accident, your annual premiums will not increase with accident forgiveness coverage.
Travelers’ Premier New Car Replacement coverage will pay for a brand new car of the same make and model if your previous vehicle gets completely damaged in an accident within the first five years after you buy it.
The insurer’s rental car reimbursement coverage pays for a rental car in case of an accident, while you can get help if your vehicle breaks down on the road with roadside assistance coverage.
What Makes an Insurer the Best for Drivers With Offenses?
A driving violation usually causes a significant increase in your monthly premiums, making it essential to choose an insurance company that offers affordable rates and gives opportunities to lower your monthly insurance costs with the help of discounts.
Travelers is one of the most affordable options in Delaware and it also offers exceptional customer service. The runner-up, State Farm, does offer the most affordable policies.
Best Car Insurance in Delaware for Drivers With New Cars
Drivers with a new car should opt for a policy from Travelers, as MoneyGeek found it to be the best car insurance company offering new car replacement coverage. This helps you get a new car of the same make and model if you total it in an accident.
We analyzed policies for drivers with a 2022 model car and rated insurers based on affordability, service quality and whether they offer new car replacement coverage.
These insurers are the best for drivers with new cars:
- Travelers: MoneyGeek score of 93 out of 100 (approximately $1,255 per year)
- Allstate: MoneyGeek score of 78 out of 100 (approximately $2,258 per year)
Travelers scored well in affordability and coverage options.
pros
Perfect scores for affordability, charges an average of $1,255 per year
Offers new car replacement coverage to the policyholders
Ranked well for the number of coverages available
cons
Doesn’t have a good claims management score
Low score for satisfaction
COMPANY HIGHLIGHTS
Travelers earned a perfect score for affordability, which shows it’s more affordable than its competitors in Delaware. The company offers many common coverages to the policyholders and some rare ones.
Buying a new vehicle is usually very expensive. Travelers offers new car replacement coverage that provides protection if your new vehicle gets totaled in an accident. You would get a brand-new car of the same make and model with this coverage, but your totaled car must be no older than five years.
The company also offers many common coverages, including roadside assistance. It helps you pay for various expenses if your car unexpectedly breaks down.
Travelers did rank lower in terms of claims and customer satisfaction. If those two categories are important to you, a different insurer might be a better option.
What Makes an Insurer the Best for Drivers With New Cars?
Drivers with new cars should only purchase a policy from a company that offers new car or better car replacement coverage. MoneyGeek found that Travelers is the best option for these drivers in Delaware as it has the most affordable rates and offers new car replacement coverage with its policies. The company also provides various valuable coverages besides this new car replacement coverage.
Best Car Insurance in Delaware for Military Drivers
USAA provides the best car insurance policies for veterans and drivers with a military background in Delaware. The company received a MoneyGeek score of 94 out of 100. On average, you would have to pay $792 per year for a full coverage policy with this company. This insurer only offers coverage to military families.
pros
The most affordable policy for military drivers at an average cost of $792 per year
Offers coverages like roadside assistance and rideshare insurance
Ranked the highest for customer satisfaction and claims management
cons
Doesn’t offer many coverage options
Low claims management score
COMPANY HIGHLIGHTS
You could opt for USAA if you have a military background and need car insurance. This company charges the lowest rates to veterans and active-duty military members. With a perfect customer satisfaction score, it’s less likely that you will have any complaints about its service quality.
Drivers with a military background working for ridesharing companies like Uber or Lyft can benefit from USAA’s rideshare insurance. It can extend their personal auto policy coverage at an affordable price. The company offers rental car or travel reimbursement to cover the cost of your rental vehicle if your car is getting repaired after a covered accident.
USAA also discounts military members and helps them lower their premiums if they garage their vehicle on their base or bundle their policies.
How to Find the Best Car Insurance in Delaware for You
Before you choose an insurer, consider if it balances cost, service quality and financial stability. MoneyGeek has provided you with valuable resources to help you make a decision, but you can also do your research using the following steps.
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Research customer service reputations in Delaware
MoneyGeek scored the companies included in this analysis based on customer satisfaction. To research customer service reputations, you can look at satisfaction scores data from J.D Power and NAIC complaint ratios in Delaware. You can also get information about your chosen insurers through the Delaware Department of Insurance website.
2
Compare quotes
We gathered quotes from several insurers for a sample driver with an average profile. Since rates depend on many factors, the insurer might give you a different price based on your background. You should obtain quotes from at least three providers to understand your monthly insurance cost.
3
Find the coverages you want in Delaware
Every insurance company advertises various types of coverages, but not every coverage or discount is available in every state. To ensure you’ll get your desired coverage, ask your chosen insurer if they offer it in your location.
4
Check financial stability ratings
The financial stability of a company is an essential factor as it will help you understand if an insurer can settle your claims and won’t go bankrupt in the future. Large insurance providers are usually financially stable and have good ratings, but regional companies in Delaware may rank lower in this category.
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FAQs About the Best Car Insurance in Delaware
Your needs and preferences matter when looking for the best car insurance in Delaware. MoneyGeek gathered the following commonly asked questions to help you choose the ideal insurance provider.
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