The Best Car Insurance in Delaware for 2022
MoneyGeek’s insurance rating system considers customer satisfaction, cost and financial stability to evaluate the best car insurance in Delaware. As a result, the top car insurance company is GEICO, which has the highest customer satisfaction score. GEICO also tied for second for claims and came in second for affordability.
You will, however, need to consider your own needs when choosing the best auto insurance provider. For instance, Travelers is the best provider for drivers with bad driving records, while Allstate is best for drivers with low mileage.
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The Best Car Insurance in Delaware
If you want to purchase the cheapest car insurance in the state, regardless of the quality of service, MoneyGeek’s analysis can help you determine the best option.
Why Trust MoneyGeek? Our scoring system for car insurance in Delaware incorporates hundreds of quotes analyzed by our data scientists, as well as customer service and financial strength ratings from industry-leading market research firms. Click to learn more about how our scores are calculated out of 100.
Best Full Coverage Car Insurance Companies in Delaware: Overall
According to our research, GEICO is the best overall insurer in Delaware.
The best car insurance companies in Delaware are:
- GEICO: MoneyGeek score of 74 out of 100 ($1,331 per year)
- Travelers: MoneyGeek score of 74 out of 100 ($1,353 per year)
MoneyGeek’s ranking of the top car insurance companies in Delaware relies on factors like claims ratings, user satisfaction and average cost. MoneyGeek also ranked the cheapest Delaware full coverage auto insurance to help budget-conscious drivers get a better deal.
THE TOP CAR INSURANCE COMPANIES IN DELAWARE
GEICO ranked first for satisfaction and tied for second in affordability. It also ranked second for satisfaction. The company offers mechanical breakdown insurance.
Average Annual Cost: $1,331
GEICO offers mechanical breakdown insurance (MBI) to policyholders whose cars are less than 15 months old and who have driven less than 15,000 miles. The MBI costs less than dealer warranties and covers parts that might not be covered in a typical warranty. GEICO also pays for flat tires, towing, jump-starts and lockouts with its road assistance feature. GEICO offers accident forgiveness, wherein you won't have to pay more for your car insurance after your first accident. Additionally, GEICO provides rental car and/or travel reimbursement coverage. With this coverage, GEICO will pay for your rental car if your own vehicle is inoperable for at least 24 hours due to a covered accident.
Travelers costs an average of $1,353 annually and scored the highest for claims, second-highest for affordability and third in customer satisfaction in Delaware. Customers can add rideshare insurance to their policies.
Average Annual Cost: $1,353
Travelers offers new car replacement coverage. If you total your new car in the first five years, this replaces it with a brand new car of the same make and model. If you've leased or borrowed money to purchase your vehicle, Travelers’ gap coverage may be beneficial. You will receive reimbursement for the difference between the actual cash value of your car and the outstanding balance on your auto loan or lease if your car is totaled. Travelers also offers several common coverage add-ons, including rideshare insurance for Uber and Lyft drivers, accident forgiveness to keep your premiums low after your first at-fault accident and roadside assistance if you’re stranded and need help.
State Farm ranked second in satisfaction, tied for second in claims and ranked first in affordability. The company costs an average of $1,229 annually and offers rideshare insurance to its policyholders.
State Farm’s rideshare coverage means that when you accept a rider or are transporting a rider, all your coverages except liability insurance remain. Policyholders may also add rental car and travel reimbursement coverage to their policy to pay for car rental and travel expenses to a maximum of $500.
Progressive costs $1,438 annually on average. It has the second-best claims score and the lowest affordability score in Delaware but is tied for the lowest satisfaction score among the top five car insurers in Delaware. It offers custom parts coverage.
With Progressive’s custom parts coverage, you can repair or replace items you add to your car, like a stereo, custom wheels or paint job. You may also add features such as rideshare insurance and deductible modification to your policy.
MoneyGeek determined the best full coverage car insurance in Delaware using full coverage policy quotes for a sample driver across various providers as well as user satisfaction and claims scores from NAIC and J.D. Power, respectively. However, how much you pay may vary for each provider depending on various other factors. You can read MoneyGeek’s methodology for more information.
MoneyGeek's Delaware Car Insurance Resources:
Best Car Insurance in Delaware for Customer Service
When it comes to the best car insurance companies offering excellent customer service, GEICO takes the top spot in Delaware.
MoneyGeek found that the best car insurance companies in Delaware for customer service are:
- GEICO: MoneyGeek score of 87 out of 100
- Travelers: MoneyGeek score of 87 out of 100
To identify the best companies for customer service, MoneyGeek ranked companies based only on user satisfaction and claims scores without factoring in costs.
THE TOP TWO CAR INSURANCE COMPANIES IN DELAWARE FOR SERVICE QUALITY
GEICO has a user satisfaction score of 4.5, which is the highest among the companies analyzed by MoneyGeek. It also tied for second with a claims rating of 4 out of 5.
GEICO policyholders can get rental car or travel reimbursement which covers the cost of renting a car if they cannot use their vehicle 24 hours after a covered accident. Customers can also get GEICO accident forgiveness, keeping their insurance rates from going up as a result of their first at-fault accident. Roadside assistance from GEICO also covers flat tires, towing, jump-starts and lockouts. GEICO also provides discounts for drivers with safety vehicle equipment. If your vehicle has airbags, anti-lock brakes, an anti-theft system or daytime running lights, you are eligible for a discount. Discounts are also available for new vehicles. Additionally, drivers who have been accident-free for five years or always wear their seatbelts are eligible for discounts. It’s always advisable to choose an auto insurance company with outstanding customer support. When a crisis strikes, it pays to have an insurer who can act quickly.
Travelers is the second-best car insurance company if you exclude pricing data from the analysis. The company has a perfect claims rating and a customer satisfaction score of 3.5.
Travelers provides accident forgiveness as part of its Travelers’ Responsible Driver Plan. This coverage forgives one accident within a certain period, protecting your rates from increases due to isolated mishaps. Roadside assistance is another coverage customers can add to their policies. This will help them if they are stranded due to car trouble. If you have leased or borrowed the money to purchase your vehicle, Travelers has gap insurance that can help. In the event of a totaled car, you may be reimbursed for the difference between the car's actual cash value and your remaining loan or lease balance. Travelers also give you options to save money. It offers discounts for insuring multiple cars, bundling with homeowners or renters insurance, company loyalty, paperless billing and more.
Best Car Insurance in Delaware for Minimum Coverage
When it comes to the best insurers in Delaware for drivers on a budget, GEICO ranks the highest. The top car insurance companies in Delaware for drivers on a budget are:
- GEICO: MoneyGeek score of 72 out of 100
- Travelers: MoneyGeek score of 71 out of 100
For drivers on a budget, MoneyGeek ranked the best companies based on which ones have the best balance of costs and quality service for a state minimum policy that meets Delaware’s minimum car insurance requirements.
For those looking for the cheapest minimum coverage car insurance in Delaware, MoneyGeek also reviewed the most affordable options.
MoneyGeek’s Pick: GEICO
Affordable minimum coverage rate of $811 per year
Delaware residents on a budget can get a discount on their policy if they combine their car insurance with condo, renters or mobile home insurance. They also get an anti-theft and anti-lock brakes discount if they have these systems installed on their car.
MoneyGeek claims rating of 4.0
MoneyGeek satisfaction score of 4.5
Does not offer discounts on paperless billing
Policyholders do not get lower rates for paying their premiums in full
Policyholders can also save on their premiums with GEICO’s various discounts. If you bundle car insurance with home, renters, condo or mobile home insurance, you may qualify for a discount. Discounts are also available if you insure more than one car.
Additionally, GEICO drivers can take advantage of discounts for taking a defensive driving class as well as installing safety vehicle equipment such as an anti-theft system, anti-lock brakes or airbags in their cars. Discounts are also available if you regularly use your seat belt or have not been involved in an accident for the past five years. Furthermore, military policyholders, active duty employees and retired federal employees who are deployed in an emergency can get discounts.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in Delaware for Young Drivers and Students
The best car insurance company in Delaware for students or young drivers is GEICO. For this category, MoneyGeek reviewed rates for those who were in their late teens or early 20s, in high school or in college.
- GEICO: MoneyGeek score of 91 out of 100
- Progressive: MoneyGeek score of 75 out of 100
On average, young drivers pay more for car insurance, but MoneyGeek identified which providers offer the best balance of affordability and great service for students and young drivers.
MoneyGeek also analyzed the cheapest car insurance in Delaware for young drivers and students.
MoneyGeek’s Pick: GEICO
Affordable cost of policy for young drivers at $2,656 per year
Offers a good student discount and a driver’s education course discount
Claims Ratings score of 4 out of 5
User satisfaction score of 4.5 out of 5
Does not offer a distant student discount
Adding young drivers to your policy can be expensive, but GEICO does it in an affordable way while providing great service. It’s important to have quality service when adding a young driver to your policy since filing a claim can be stressful, and receiving helpful customer service can make the process easier.
GEICO offers discounts that can benefit families with young drivers. These include a good student discount that lets you save money if you are a full-time student with good grades. You can also get a discount for completing a driver's education or defensive driving course. However, GEICO does not offer a distant student discount for drivers attending college far from home.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in Delaware for Seniors
Based on the cost of car insurance for seniors and the customer service record of providers, MoneyGeek ranked the best insurers in Delaware.
We have found that the following two companies are the best for seniors:
- State Farm: MoneyGeek score of 88 out of 100 ($1,201 per year)
- GEICO: MoneyGeek score of 84 out of 100 ($1,363 per year)
The scores above balance both affordability and customer service. For seniors concerned about price, MoneyGeek analyzed the most affordable Delaware car insurance.
MoneyGeek’s Pick: State Farm
The most affordable auto insurance provider in Delaware for seniors
Offers bundling discounts
Perfect rating for financial stability
4 out of 5 rating for user satisfaction
4 out of 5 rating for claims
Doesn’t offer any senior-related discounts
While seniors typically pay higher premiums than middle-aged adults, State Farm offers excellent service and reasonable premiums. Despite not offering any senior-specific discounts, State Farm offers several other discounts that are commonly applicable to seniors.
In case of a flat tire or lockout, seniors can use the company's roadside assistance services. Among the benefits of this coverage are mechanical labor for up to an hour at the point of breakdown, towing to the nearest repair shop or to a public road if the car is stuck and the delivery of gas, oil, batteries or tires.
A covered accident can leave a vehicle unavailable for more than 24 hours, so State Farm's rental car reimbursement coverage can reimburse seniors for the cost of renting a vehicle, as well as meals and lodging.Read MoneyGeek's State Farm Auto Insurance Review
Best Car Insurance in Delaware for Bad Driving Records
For drivers with bad driving records, Travelers is the best option in Delaware.
If you have a poor driving record, the top auto insurance companies in Delaware are:
- Travelers: MoneyGeek score of 81 out of 100 ($1,353 per year)
- State Farm: MoneyGeek score of 76 out of 100 ($1,473 per year)
MoneyGeek scored the best companies for drivers with an at-fault accident on their record by comparing companies that offer the best rates as well as quality service. MoneyGeek also analyzed the cheapest car insurance in Delaware for those with a DUI or bad record.
MoneyGeek’s Pick: Travelers
Cost of a policy after an at-fault accident is $1,353 per year
Claims ratings score of 5 out of 5
Provides roadside, rental car and accident forgiveness discounts
User satisfaction score of 3.5 out of 5
Does not have new car replacement and better car replacement discounts
Travelers provides the best car insurance coverage for drivers with poor records. The policy costs an average of $1,353 per year, and the company has a claims rating of 5 out of 5 and a user satisfaction rating of 3.5 out of 5.
Travelers offers the following coverages if you get into an accident:
- Roadside Assistance: If you get stranded due to a problem with your vehicle, Travelers will send help.
- Rental Reimbursement: This covers transportation costs and car rental costs if your car is out of usage for more than 24 hours.
- Accident Forgiveness: This prevents your car insurance premiums from being increased as a result of your first at-fault accident.
- New Car Replacement: New car replacement pays to replace your car with a brand new car of the same make and model if your car is totaled in the first five years.
- Gap Insurance: This coverage can help protect you if your vehicle is financed or leased. If your vehicle is totaled, this may pay the difference between the actual cash value of the car and the unpaid balance of your auto loan or lease.
Best Car Insurance in Delaware for a Military Background
Based on MoneyGeek’s research, USAA is the best car insurance carrier in Delaware for current and former military members. The company has a score of 100 out of 100 across all categories and charges an average of $355 for the state minimum car insurance policy and $641 per year for military drivers with an at-fault accident on their record.
MoneyGeek’s Pick: USAA
An affordable full coverage policy of $641 per year
Claims rating score of 5 out of 5
User satisfaction score of 5 out of 5
Roadside assistance coverage
Defensive driving discount
USAA policies are limited to military members and their families
USAA offers some of the cheapest policies as well as the best service in Delaware. The insurer has one of the best reputations in the country. However, it’s important to note that its policies are only available to military personnel and their families.
Some of the coverages and discounts offered by USAA include:
- Multiple Car Discount: Insuring more than one car through USAA will earn you a discount.
- Mileage Discount: Depending on the distance you drive each year, you may be eligible for a discount on your premium.
Best Car Insurance in Delaware for Those With New Cars
With a MoneyGeek score of 74 out of 100, Travelers is the best company for drivers in Delaware with a new car.
MoneyGeek’s analysis identified the best car insurance companies in Delaware for drivers looking for new car replacement coverage. This coverage pays for the cost of replacing your new car with a similar make and model should it get damaged while still relatively new.
If your insurer offers better car replacement coverage, you can get a newer model of your damaged car. Most insurers provide this coverage for new cars within the first five years. However, this coverage is not part of your standard policy, so you will need to pay more for it.
MoneyGeek’s Pick: Travelers
Affordable policies costing an average of $1,353 per year
Claims ratings score of 5 out of 5
User satisfaction score of 3.5 out of 5
Does not provide better car replacement coverage to its customers
Travelers offers new car replacement coverage. As soon as you drive your car off the lot, its value starts to diminish. Depreciation deductions are no longer an issue when you have this coverage.
Travelers offers a lot of coverage at an affordable price and received good claims and affordability ratings, which make it an excellent choice for people with new cars. The Travelers new car replacement policy provides you with the opportunity to replace your vehicle with the same make and model if it’s totaled within five years.Read MoneyGeek's Travelers Auto Insurance Review
Best Car Insurance in Delaware for Low-Mileage Drivers
In Delaware, Allstate’s Milewise is the top-ranking pay-per-mile program. Many insurance companies are introducing pay-per-mile coverage for drivers to pay for car insurance depending on the miles covered. This can help low-mileage drivers save money since they don’t drive as much, reducing their risk of getting into an accident.
MoneyGeek’s Pick: Allstate
Allstate Milewise offers the affordable coverage for low-mileage drivers
Satisfaction and claims score of 3.5 out of 5
If you drive more regularly, it might be expensive to get this coverage than standard car insurance
Allstate’s pay-per-mile program in Delaware is Allstate Milewise. This program is extremely simple. With Milewise, you pay a daily base rate plus a per-mile rate when you drive. No additional factors go into determining your rate. The program is aimed at drivers with low annual mileage, such as stay-at-home parents, retired individuals, those working from home and others with low daily mileage.
The coverage provided by pay-per-mile programs like Milewise is similar to what you would find in a traditional insurance policy, including liability, comprehensive and collision coverage. Make sure you have at least the minimum liability coverage required for your state when choosing your insurance.
Using a plug-in device, Milewise records information from your car as part of its insurance plan based on usage.Read MoneyGeek's Allstate Auto Insurance Review
How to Find the Best Car Insurance in Delaware For You
When shopping for the best car insurance in Delaware, you will need to consider multiple factors and choose a provider that balances quality of service, price and financial stability.
MoneyGeek analyzed the best providers in the state based on these factors, but you can compare options yourself.
Research customer service reputations in Delaware
MoneyGeek collected car insurance quotes across various providers using a sample driver and used these alongside NAIC complaint ratios and customer satisfaction scores from J.D. Power to determine the best insurers in Delaware. Aside from MoneyGeek’s recommendations, you can also use the score from J.D.Power and NAIC to determine the right provider for your needs. You may also need to check the state’s department of insurance website for more information.
Compare quotes for yourself
While MoneyGeek compared quotes across various locations in Delaware using a sample driver, the analysis does not cover the entire state. To better understand the costs and secure the best coverage, you might need to compare quotes from at least three insurance companies
Make sure the company has coverages you want in Delaware
Before purchasing car insurance coverage from any company, find out if they offer the type of discount or coverage that you need. Some insurers may advertise a certain discount or coverage but may not specify that it is not provided in Delaware.
Double-check financial stability ratings
One of the factors to check out before settling for an insurance company is its financial strength. Typically, large insurance companies have higher financial stability, meaning that they are more likely to pay out on claims. Regional insurance providers in Delaware may have lower financial stability scores. These are less likely to process your claims.
FAQs About the Best Car Insurance in Delaware
How much you pay for car insurance in Delaware depends on the type of coverage you are looking for. Some of the common questions asked about car insurance in the state are as follows:
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