The Best Car Insurance in Delaware for 2022
The best car insurance companies balance financial stability, affordability and customer satisfaction. In Delaware, the top car insurance company is GEICO, which has the highest satisfaction score. GEICO also tied for second for claims and came in second for affordability.
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MoneyGeek analyzed car insurance companies based on the cost of coverage, customer service and other considerations. While GEICO ranked as the best car insurance company in Delaware, you may find better options depending on the set of factors that interest you.
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.
The Best Car Insurance in Delaware
Best Car Insurance Companies in Delaware: Overall
MoneyGeek’s study of the top car insurance companies in Delaware was also based on factors like claims ratings, user satisfaction and average cost.
Based on these scores, the two best cheap insurance providers in the state overall are:
- GEICO: MoneyGeek score of 3.7 out of 5
- Travelers: MoneyGeek score of 3.7 out of 5
USAA received a MoneyGeek score of 5 out of 5. However, it is not included in this study because its policies are only available to former and current military members.
The Top 4 Car Insurance Companies in Delaware
Costing roughly $1,331 annually, GEICO ranked first for satisfaction and tied for second in affordability. It also ranked second for satisfaction. The company offers mechanical breakdown insurance.
GEICO offers mechanical breakdown insurance (MBI) to policyholders whose cars are less than 15 months old and have driven less than 15,000 miles. The MBI costs less than dealer warranties and covers parts that may not be included in a typical warranty. GEICO also pays for the flat tires, towing, jump starts and lockouts.Read MoneyGeek's GEICO auto Insurance Review
Travelers costs an average of $1,353 annually and scored the highest on the claims scale, second-highest affordability and third in satisfaction in Delaware. Customers can add rideshare insurance to their policies.
The company provides policyholders with rideshare insurance. Available in Colorado and Illinois only, ride-sharing coverage helps protect individuals who drive for transportation network companies. Travelers also offers Premier New Car Replacement®. 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.Read MoneyGeek's Travelers auto Insurance Review
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 offers rideshare insurance to its customers. This 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 or travel reimbursement to their policy to cater to car rental expenses as well as travel expenses to a maximum of $500.Read MoneyGeek's State Farm auto Insurance Review
Progressive costs $1,438 annually on average, has the second-best claims score, the lowest affordability score and 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. Rideshare insurance protects you in case of injury and pays the cost of repairing your damaged vehicle.Read MoneyGeek's Progressive auto Insurance Review
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:
Compare the Best Insurance Options in Delaware
Some of the key factors that impact the cost of car insurance in Delaware include quality of service, cost and financial stability. However, based on your needs, you may need to consider other factors, such as whether your insurance company has coverage that suits your preferences. Using MoneyGeek’s comparison can help you find the best auto insurance companies in Delaware based on in-depth customer reviews.
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Best Car Insurance in Delaware for Customer Service
MoneyGeek scored the top car insurance providers in Delaware according to user satisfaction and claims scores only.
Based on a combination of these two factors without considering cost, the best insurers for customer service are:
- GEICO: MoneyGeek score of 4.3 out of 5
- Travelers: MoneyGeek score of 4.3 out of 5
The Top 2 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 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.Read MoneyGeek's GEICO auto Insurance Review
Travelers is the second-best car insurance company in Delaware based on customer satisfaction and claims scores. The company has the highest claims rating at 5 and a customer satisfaction score of 3.5.
Travelers provides accident forgiveness as part of its Travelers’ Responsible Driver PlanSM. 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.Read MoneyGeek's Travelers auto Insurance Review
Best Car Insurance in Delaware for Drivers on a Budget
If you are looking for a car insurance policy in Delaware that only meets the minimum requirements of the state, using MoneyGeek’s scores can help you secure the best rates.
The companies with the highest scores combine affordability with quality service.
The top car insurance companies in Delaware for drivers on a budget are:
- GEICO: 3.6 out of 5
- Travelers: 3.6 out of 5
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, including bundling, multiple car and safe driving discounts.
Additionally, GEICO drivers can take advantage of discounts for taking a defensive driving class as well as installing an anti-theft system in their cars. These safety and security measures are valued by GEICO, allowing for discount opportunities for policyholders.
Best Car Insurance in Delaware for Poor Driving Records
MoneyGeek also ranked the best car insurance companies in Delaware for drivers with an at-fault accident. Based on the analysis, the top companies are:
- Travelers: 4.0 out of 5
- State Farm: 3.8 out 5
The scores are for car insurance options that balance affordability and the best customer service after an accident.
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 a poor record. The policy costs $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
- 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 some isolated accident cases.
- New Car Replacement: Premier 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 5 out of 5 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.
Some of the coverages and discounts offered by USAA include:
- Accident forgiveness coverage: This is provided to policyholders who remain accident-free for at least five years. This means that if you get involved in your first at-fault accident within this period, you will not be charged an additional premium on your car insurance.
- Rideshare gap insurance: This is for individuals whose standard coverage does not include rideshare insurance.
- 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 Young Drivers and Students
The best provider in the state for young drivers are:
- GEICO: 4.6 out of 5
- Progressive: 3.7 out of 5
These scores balance affordability and customer service 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 great service when adding a young driver to your policy since filing a claim can be stressful and receiving great 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 course.
Best Car Insurance in Delaware for Those With New Cars
MoneyGeek’s analysis also includes scores for the best car insurance companies in Delaware for individuals looking for an option that has new car replacement coverage. New car replacement coverage pays for the cost of replacing your new car with a similar model and brand should it get damaged within the first years. 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.
The company with the highest rating for this category is Travelers, with a MoneyGeek score of 3.7 out of 5.
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 is a great fit for first-time drivers or new drivers because it offers new car replacement coverage. Since your vehicle loses value as soon as it’s driven off the lot, this coverage helps you get a new car again if you have an accident soon after buying a car.
Travelers’ Premier New Car Replacement insurance covers the replacement cost of your new car if you total it within the first five years. With this coverage, your car will be replaced with a new one of the same model and make.
Best Car Insurance in Delaware for Low-Mileage Drivers
Most insurance companies are introducing pay-per-mile coverage for drivers. That means you pay for car insurance depending on the number of miles you cover. In Delaware, Allstate Milewise is the top-ranking pay-per-mile program.
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 the 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.
How to Find the Best Car Insurance in Delaware in 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:
MoneyGeek obtained car insurance rates in Delaware in partnership with Quadrant Information Services. The sample driver used in this study is a 40-year-old male driver with a 2010 Toyota Camry LE. The driver has a comprehensive and collision policy with a limit of 100/300/100 and a deductible of $1,000.
Customer satisfaction, financial strength and claims satisfaction scores were derived from AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC). However, the list of discounts and coverages were obtained from each insurer’s website.
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