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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.

MoneyGeek Logo IconBestCar InsuranceDelaware
2023

Best Car Insurance in Delaware

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.


1
TravelersBest Overall
Score:93

4.4/5

Customer Satisfaction

4.8/5

Affordability

2.5/5

Claims Experience

3.8/5

Coverages

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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

4.4/5

Customer Satisfaction

4.8/5

Affordability

2.5/5

Claims Experience

3.8/5

Coverages

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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

4.1/5

Customer Satisfaction

4.9/5

Affordability

2.1/5

Claims Experience

2.5/5

Coverages

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

4
State Farm
Score:91

4.1/5

Customer Satisfaction

4.9/5

Affordability

2.1/5

Claims Experience

2.5/5

Coverages

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

Company
MoneyGeek Score (out of 100)
Annual Premium
Satisfaction Score (out of 5)
Affordability Score (out of 5)
Claims Score (out of 5)
Coverages Score (out of 5)
Stability Score (out of 5)

USAA

94

$792

5.00

5.00

2.50

2.50

5.00

Travelers

93

$904

4.37

4.84

2.50

3.75

5.00

State Farm

91

$881

4.10

4.87

2.10

2.50

5.00

GEICO

89

$993

3.59

4.71

2.20

2.50

5.00

Progressive

88

$1,246

3.34

4.34

2.40

3.75

4.00

American Family

88

$2,034

3.67

3.21

2.70

5.00

3.00

Allstate

86

$1,673

3.53

3.73

1.90

3.75

4.00

Dairyland

No Score

$4,257

4.46

0.00

No Score

3.75

4.00

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.

Travelers

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.

Read MoneyGeek's Travelers Auto Insurance Review

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.

Travelers

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.

Read MoneyGeek's Travelers Auto Insurance Review

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.

Travelers

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.

Read MoneyGeek's Travelers Auto Insurance Review

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.

Travelers

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.

Read MoneyGeek's Travelers Auto Insurance Review

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.

Travelers

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.

Read MoneyGeek's Travelers Auto Insurance Review

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.

Travelers

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.

Read MoneyGeek's Travelers Auto Insurance Review

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.

USAA

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.

Read MoneyGeek's USAA Auto Insurance Review

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.

1

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.