Best Car Insurance in Delaware (2026 Picks)

Top Rated Car Insurance Companies in Delaware

The top-rated car insurance companies in Delaware are:

Best and Cheapest Overall: Travelers
Best Cheap for Young Drivers: GEICO
Best for Drivers with a DUI: State Farm

Why You Can Trust MoneyGeek

MoneyGeek's proprietary methodology identified Delaware's best car insurance by researching over 70 companies and analyzing actual quotes, verified customer reviews from trusted sources like J.D. Power, and coverage details. Our ratings prioritize what matters most: affordability (60%), customer experience (30%), and coverage options (10%).

Best Car Insurance Companies in Delaware

Travelers is the best car insurance company in Delaware, with a 4.9 out of 5 MoneyGeek score. It excels in affordability and customer service with perfect 5.0 scores in both categories.

Travelers offers competitive rates with full coverage at $74 monthly. Drivers with clean records pay rates that run 41% below state averages. The company leads Delaware insurers in both affordability and customer experience.

GEICO ranks fourth overall and offers strong affordability for young drivers seeking budget-friendly coverage. State Farm excels for drivers with DUI violations, combining competitive rates with an extensive local agent network.

Our recommendations provide a starting point, but your age, driving record and coverage needs determine which provider offers the best value. Compare these top companies to find the insurer that best fits your profile.

Data filtered by:


Travelers	4.90	$74	5.00	5.00	3.90
Progressive	4.50	$169	4.40	4.40	4.80
Farmers	4.40	$120	4.70	3.50	5.00
Geico	4.30	$121	4.70	4.00	3.00
State Farm	4.30	$144	4.60	4.20	3.00

*The rates above are based on a male driver insuring a 2012 Toyota Camry with good credit.

How much does car insurance in Delaware cost?

How much car insurance do I need in Delaware?

Best Overall Insurer in Delaware: Progressive

Progressive

Best and Cheapest Overall

MoneyGeek Rating

4.5/ 5

4.4/5Affordability

4.4/5Customer Experience

4.8/5Coverage Points

Average Monthly Full Coverage Cost
$78
Average Monthly Minimum Coverage Cost
$48
Agent Service Score
4.2/5
Most Unique Coverage Add-On
IntelliDrive Plus Program

pros
- Ranks first statewide for customer experience and satisfaction
- Best overall provider choice for Delaware drivers
- Strong financial stability with AM Best A++ rating
- Comprehensive digital claims processing and mobile app features
cons
- Fewer add-on coverage options than larger competitors
- May not suit drivers needing extensive policy customization
Travelers earns MoneyGeek's highest score (4.9 out of 5) among Delaware insurers. The company ranks first overall with perfect 5.0 scores in both affordability and customer experience.

Travelers offers competitive rates for both clean-record drivers and those with violations. Delaware drivers get comprehensive coverage at rates 41% below state averages, saving about $620 annually.
Travelers' monthly premiums range from $46 for minimum coverage to rates varying by driver profile for full coverage. Most drivers with clean records pay $65 to $85 monthly for full coverage. Young drivers pay $155 to $325 monthly.

These rates run 41% below Delaware averages, saving drivers about $620 annually.

The IntelliDrive Plus telematics program can reduce premiums by up to 30% for safe driving habits. Multi-policy bundling saves 5% to 25% on combined coverages. Additional discounts include safe driver rewards and vehicle safety feature discounts.
Customer experience scores a perfect 5.0, first among Delaware insurers. The mobile app receives positive reviews for claims filing, policy management and digital ID card access. Claims processing runs five to seven business days on average.

Customer service runs 24/7 with average wait times under five minutes during business hours. Local adjusters throughout Delaware respond quickly to weather-related claims. The company's digital platform streamlines routine insurance tasks.
Coverage options score 3.9 out of 5. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Delaware minimums (25/50/10 with PIP) to 250/500/100. Deductibles flex from $250 to $2,000.

Travelers' features:
- IntelliDrive Plus Program: Telematics-based discounts for safe driving
- New car replacement: Full cost for vehicles totaled in crashes
- Accident forgiveness: First at-fault crash won't spike rates after qualifying period
- Gap insurance: Pays difference between car's value and loan balance
- Rental reimbursement: Daily coverage when your car's in the shop
- Roadside assistance: 24/7 towing, battery jumps and lockout services

Best Cheap Company for Young Drivers in Delaware: GEICO

GEICO

Best Cheap for Young Drivers

MoneyGeek Rating

4.3/ 5

4.7/5Affordability

4/5Customer Experience

3/5Coverage Points

Average Monthly Full Coverage Cost
$124
Average Monthly Minimum Coverage Cost
$68
Agent Service Score
4.2/5
Most Unique Coverage Add-On
Mechanical Breakdown Insurance

pros
- Ranks second in Delaware for affordability among major insurers
- Mobile app offers instant claims filing and policy management
- Best option for young drivers seeking cheap coverage
- Strong financial stability with excellent AM Best rating
cons
- Limited local agent network throughout Delaware
- Fewer coverage customization options than full-service competitors
GEICO earns a 4.3 out of 5 MoneyGeek score and ranks fourth overall among Delaware insurers. The company offers strong affordability for young drivers seeking budget-friendly coverage with solid customer service.

GEICO's digital-first approach provides fast quotes, streamlined claims processing and efficient policy management. Coverage options stay simpler than competitors, but the straightforward approach keeps costs down for budget-conscious young drivers.
GEICO offers competitive rates for Delaware young drivers. Adult drivers pay $121 monthly for full coverage. State minimum coverage costs $68 monthly.

Young drivers pay competitive rates at $124 monthly for full coverage. Clean-record adults pay $110 to $135 monthly for full coverage.

Multi-policy bundles save up to 10%. Military discounts, good student discounts, federal employee discounts and vehicle safety features provide additional savings. GEICO's mechanical breakdown insurance offers extended coverage for newer vehicles.
Customer experience scores 4.0 out of 5. GEICO operates primarily through digital channels with phone support available 24/7 at 800-861-8380. Claims processing runs seven to 10 business days on average.

The mobile app provides instant claims filing and policy management. Digital tools reduce wait times for routine transactions. Phone support handles complex claims and policy questions, though automated systems may be less accommodating than traditional agent-based service during complicated situations.
Coverage options score 3.0 out of 5, reflecting GEICO's focus on essential protections rather than extensive add-ons. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Delaware minimums (25/50/10 with PIP) to 250/500/100. Deductibles range from $250 to $2,000.

Coverage options:
- Mechanical breakdown insurance: Extended coverage for newer vehicles beyond manufacturer warranty
- Rental reimbursement: Daily coverage while your car's repaired
- Roadside assistance: 24/7 towing, battery, fuel and lockout service
- Emergency roadside service: Additional assistance programs for breakdowns

Best Insurer for DUI: State Farm

State Farm

Best for Drivers with a DUI

MoneyGeek Rating

4.3/ 5

4.6/5Affordability

4.2/5Customer Experience

3/5Coverage Points

Average Monthly Full Coverage Cost
$140
Average Monthly Minimum Coverage Cost
$76
Agent Service Score
4.6/5
Most Unique Coverage Add-On
Roadside Assistance

pros
- Ranks third in Delaware for customer experience satisfaction
- Extensive local agent network throughout Delaware communities
- Best option for drivers with DUI violations
- Strong financial stability with AM Best A++ rating
cons
- Limited coverage innovation compared to digital-first competitors
- Ranks sixth for coverage options in Delaware market
State Farm earns a 4.3 out of 5 MoneyGeek score and ties for fourth overall among Delaware insurers. The company excels for drivers with DUI violations, combining competitive rates with an extensive local agent network and solid customer service.

State Farm's local agents provide personalized service throughout Delaware. The company offers competitive rates for drivers rebuilding after DUI convictions while maintaining strong customer experience scores.
State Farm offers competitive rates for Delaware drivers with DUI violations. Adult drivers pay $144 monthly for full coverage. State minimum coverage costs $76 monthly.

Drivers with DUI violations pay $140 monthly for full coverage, competitive compared to other major insurers. Clean-record adults pay $130 to $160 monthly for full coverage.

Drive Safe & Save cuts premiums up to 30% through driving habit monitoring. Multi-policy bundles save around 15%. Good student discounts and accident-free rewards provide additional savings.
Customer experience scores 4.2 out of 5, third among Delaware insurers. State Farm's extensive local agent network provides face-to-face interactions for drivers who prefer in-person service. Claims processing runs seven to 10 business days on average.

The mobile app includes ID cards, bill payments and claim tracking. Round-the-clock claims reporting works through the app, phone at 800-STATE-FARM or your local agent's office. Local agents handle complex claims and policy questions directly.
Coverage options score 3.0 out of 5, reflecting State Farm's focus on core protections rather than extensive add-ons. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Delaware minimums (25/50/10 with PIP) to 250/500/100.

Coverage options:
- Drive Safe & Save: Tracks mileage and driving through mobile app or beacon, discounts up to 30%
- Rental reimbursement: $25 to $100 daily
- Roadside assistance: Standard towing and emergency services
- Rideshare coverage: Protection for Uber and Lyft drivers

How to Find the Best Car Insurance in Delaware

Finding the best car insurance in Delaware requires more than just clicking the first online quote you see. Your ideal coverage balances cost, protection and service quality, and that mix varies for every driver based on driving history, vehicle and budget.

1
Understand Delaware's insurance requirements
Before comparing car insurance quotes in Delaware, know what the state requires: $25,000 bodily injury coverage per person, $50,000 per accident and $10,000 property damage coverage. Delaware also requires $15,000 in Personal Injury Protection (PIP) coverage or $10,000 with medical payments coverage, which pays medical expenses regardless of fault in the state's modified no-fault system.

Delaware requires uninsured motorist coverage at matching 25/50 levels. With 11.4% of drivers operating without insurance (roughly 76,000 uninsured motorists), this protection proves valuable.

Most drivers need more than these minimums. If you own substantial assets or finance your vehicle, your lender will require comprehensive and collision coverage.

Think about what you're protecting. A 12-year-old sedan with high mileage probably doesn't need collision coverage. Skipping comprehensive on a $30,000 vehicle could cost you thousands in one incident.
2
Research average costs
Full coverage car insurance in Delaware costs $1,500 to $2,200 per year. Your actual rate depends on your age, driving history, credit score, location and vehicle.

Use this range as a baseline. Quotes over $3,300 annually for basic coverage with a clean record indicate you're probably overpaying.

Your ZIP code affects your rate; Wilmington and Dover cost more than rural areas. So do your vehicle's safety ratings, annual mileage and even your education level with some insurers.
3
Find discounts you qualify for
Delaware drivers can tap into several car insurance discounts. Bundling multiple policies often saves up to 25%. Good student discounts reward young drivers who maintain B averages.

Usage-based insurance programs track your actual driving habits. Travelers' IntelliDrive Plus can save safe drivers up to 30% annually. State Farm's Drive Safe & Save offers similar savings. Ask about vehicle safety discounts if your car has anti-theft systems, airbags or electronic stability control.
4
Compare insurance companies, not just prices
Affordable car insurance means more than finding the lowest premium. A $68 monthly policy with minimal coverage and poor claims handling isn't cheaper than an $85 policy from an insurer known for fast, fair settlements.

Read customer reviews about claims experiences, especially for weather-related damage. Check financial stability ratings from AM Best. Look at coverage options. Travelers leads Delaware insurers with perfect scores in both affordability and customer experience. State Farm provides extensive local agent networks for personalized service.
5
Compare quotes through multiple means
Get car insurance quotes from at least three to five companies. Use direct insurer websites, independent agents and online comparison tools.

Independent agents often access regional insurers not available through comparison sites. Travelers and State Farm work through local agent networks throughout Delaware.

Provide the same information to every insurer. Otherwise, you're comparing different products instead of finding the best price for identical coverage.
6
Review your policy every year
Car insurance prices change constantly. Companies update rates and underwriting standards throughout the year. Set a calendar reminder to review your coverage and get new quotes annually. Last year's best deal might not be competitive today.

Life changes impact your rates, too. Buying a home, paying off your car loan, adding a young driver or moving all affect what you pay. Many drivers overpay by keeping coverage they no longer need or by failing to switch car insurance companies.

Best Car Insurance Coverage in Delaware

State minimums rarely cover the true costs when accidents happen. Delaware ranks poorly for traffic safety nationally, meaning crashes occur more frequently than drivers expect.

An emergency room visit costs $617 to $1,389 on average nationwide. A serious trauma case at a Wilmington or Dover hospital costs $35,000 or more. Even minor fender-benders now require $15,000 in repairs due to advanced vehicle technology.

Minimum coverage won't protect your assets if you cause a multi-car accident on I-95 or Route 1. Lawsuits will drain your savings and garnish your wages.

Delaware's 13.3 traffic deaths per 100,000 residents exceeds the national average. With 11.4% of drivers uninsured, roughly 76,000 vehicles operate without coverage. These statistics make robust liability coverage and uninsured motorist protection valuable for Delaware drivers.

MoneyGeek recommends these coverage levels for Delaware drivers:

Liability: 100/300/100 ($100,000 per person, $300,000 per accident, $100,000 property damage) costs $20 to $50 more monthly than Delaware's 25/50/10 minimums with PIP and covers most Delaware drivers adequately.

Drivers with substantial assets (homeowners, business owners or high earners) should choose 250/500/100 limits. This costs $25 to $45 more monthly than minimums but protects your assets if you cause a serious accident. Delaware's above-average traffic fatality rate makes higher liability limits essential for protecting your financial future.

Comprehensive and Collision: Add full coverage if your vehicle is worth more than $4,000 or carries a loan. Choose $500 or $1,000 deductibles based on your emergency savings—a $500 deductible costs $20 to $30 more monthly than $1,000 but lowers your out-of-pocket costs after incidents.

Comprehensive coverage matters in Delaware for animal collisions on rural roads. Vehicle theft rates in Wilmington and Dover make this protection worthwhile. Collision coverage becomes important in high-traffic areas around the University of Delaware and tourist destinations like Rehoboth Beach, where accident rates climb during peak summer months.

Uninsured/Underinsured Motorist: Delaware requires uninsured motorist coverage, but you should match these limits to your liability coverage. With roughly 76,000 uninsured drivers on Delaware roads (11.4% of all motorists), this protection becomes essential when at-fault drivers can't pay for your damages. Underinsured coverage fills gaps when responsible parties carry only minimum limits insufficient for your medical bills and repairs.

Personal Injury Protection (PIP): Delaware requires $15,000 in PIP coverage (or $10,000 with medical payments coverage), which pays medical expenses regardless of fault. This coverage pays quickly without liability determinations in Delaware's modified no-fault system.

Consider upgrading PIP coverage for comprehensive medical protection. This costs $5 to $20 more monthly but provides worthwhile security given Delaware's traffic risks.

Additional Coverage to Consider: Rental reimbursement ($30 to $50 daily) covers transportation costs while your car is in the shop. Roadside assistance provides towing, battery service and lockout help for $15 to $25 annually.

Gap insurance matters if you owe more on your vehicle loan than the car's current value. It protects you from paying thousands out of pocket if your financed vehicle gets totaled.

Finding the Best Car Insurance Rates in Delaware

Delaware's competitive insurance market keeps car insurance rates affordable for most drivers. State minimum premiums cost just $78 monthly, ranking Delaware first nationally for cheap basic coverage.

Full coverage costs $47 more per month than state minimum requirements. Average premiums hit $125 monthly for full coverage with a $1,000 deductible, 25% below the national average.

Compare your quotes with these averages using our Delaware car insurance calculator.

Data filtered by:


Not At Fault Accident ($1000-$1999 Prop Dmg)	$73	$130	2
Clean	$78	$125	1
Speeding 11-15 MPH over limit	$82	$160	4
Texting While Driving	$92	$176	3
At Fault Accident ($1000-$1999 Prop Dmg)	$106	$177	7
DUI - BAC >= .08	$141	$228	10

HOW VIOLATIONS AFFECT YOUR RATES IN DELAWARE

DUI convictions devastate Delaware car insurance rates most severely, driving premiums up 82% and requiring SR-22 certificates. Texting while driving raises rates 40%, while at-fault accidents spike premiums 51%. These violations add $41 to $52 monthly to full coverage policies in the First State.

Best Delaware Auto Insurance: Bottom Line

Travelers ranks first for most Delaware drivers with a 4.9 overall score, balancing competitive rates ($74 monthly full coverage), perfect customer service scores and comprehensive coverage options. Your priorities determine the best choice: GEICO offers strong affordability for young drivers seeking budget-friendly coverage, and State Farm excels for drivers with DUI violations through competitive rates and an extensive local agent network.

Compare quotes from at least three insurers. Your age, driving record and coverage needs determine which company offers the best value, as rates vary widely by driver profile.

Best Auto Insurance in Delaware: FAQ

Finding suitable car insurance depends on your unique circumstances. Answering common coverage questions helps identify the right policy for your needs.

What do I need to get car insurance in Delaware as a new resident?

New Delaware residents need a valid driver's license, vehicle registration and VIN for each vehicle. Most insurers require your Social Security number to check your credit score, which affects your rate.

You must get coverage within 30 days of establishing residency. You'll also need to provide your five-year driving history, including any accidents and violations.

Transferring from another state? Update your existing policy to meet Delaware's minimum requirements of 25/50/10 with $15,000 PIP (or $10,000 with medical payments coverage).

Can I drive in Delaware with out-of-state insurance?

You can drive temporarily with valid out-of-state insurance. If you establish residency (get a job, register to vote or stay more than six months), you must get Delaware insurance within 30 days. Newly registered vehicles need immediate Delaware coverage.

Your out-of-state policy must meet Delaware's minimum requirements of 25/50/10 with PIP. Military members stationed in Delaware can keep their home-state insurance but should verify that their policy meets state standards.

What happens if I get caught driving without insurance in Delaware?

Driving without insurance results in license suspension, vehicle registration revocation and a $1,500 fine for first-time offenders. Second offenses within three years jump to $3,000 fines. Delaware requires SR-22 certification for three years, significantly raising insurance premiums. If you cause an accident while uninsured, you're personally liable for all medical bills and property damage with no insurance protection.

How do I switch car insurance companies in Delaware?

Purchase your new policy before canceling coverage to avoid gaps that could suspend your license. Start your new policy the day your old one expires. Request cancellation in writing from your current insurer with your policy number and cancellation date. Most Delaware insurers don't charge cancellation fees for policies over six months old. You'll receive prorated refunds for any unused coverage paid in advance.

Does Delaware offer car insurance discounts for military members?

Most Delaware insurers offer military discounts ranging from 4% to 15% for active-duty members, veterans and military spouses. USAA, GEICO, Armed Forces Insurance and Navy Federal specialize in military coverage. Ask about storage discounts during deployment, emergency payment extensions, military defensive driving course discounts and waived deductibles for vehicles damaged during deployment.

How We Rated the Best Car Insurance in Delaware

We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Delaware. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.

Here's how we score each company:

Affordability (60%): We looked at quotes for different driver profiles and compared rates within Delaware. Our main rating is based on a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also checked other combinations to ensure you find the right fit.
Customer experience (30%): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Delaware-specific feedback to get an accurate score.
Coverage options (10%): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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