Best Car Insurance in Delaware for 2026

Travelers earns Delaware's highest MoneyGeek score at 4.9 out of 5, with 5/5 on both affordability and customer experience, starting at $48 per month. State Farm offers the cheapest DUI coverage at $84 per month. GEICO is the cheapest for young drivers at $153 per month.

Written by Mark Fitzpatrick

Updated: April 22, 2026

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Key Takeaways

Travelers earns Delaware's highest MoneyGeek score at 4.9 out of 5, with a 5 out of 5 on both affordability and customer experience, the only insurer in this analysis to achieve both.

State Farm offers the lowest rate after a DUI in Delaware at $84 per month. That is $28 per month less than Travelers’ $112 per month for the same profile, making it the right pick for DUI-affected Delaware drivers.

Rates in Delaware vary across the state’s small geography. Wilmington averages $70 per month while Georgetown averages $50 per month, a $20 gap driven by population density and I-95 corridor traffic risk.

HOW MONEYGEEK CHOSE THE BEST CAR INSURANCE IN DELAWARE

MoneyGeek analyzed quotes from six Delaware insurers across every ZIP code in the state. Delaware requires a $15,000 PIP minimum (waivable) on top of 25/50/10 liability. The state uses a hybrid system, where PIP covers injuries regardless of fault while liability applies to other claims. Proximity to the Philadelphia and Baltimore metros and heavy I-95 corridor traffic drive above-average rates relative to nearby states.

Licensed insurance producers evaluated Delaware's PIP requirement, the concentrated I-95 corridor traffic risk and the state's permitted use of credit scoring, all of which influence how different driver profiles are priced.

Affordability (60%) — Rate is the primary driver for most Delaware drivers given the state’s elevated baseline rates.
Customer experience (30%) — Based on J.D. Power scores, NAIC complaint ratios, AM Best ratings and independent agent Google Business ratings.
Coverage options (10%) — Measures the range of optional coverages offered in Delaware, from gap insurance to rideshare coverage.

Best Car Insurance in Delaware by Driver Profile

Travelers is the best choice for most Delaware drivers, but those managing a DUI or young drivers prioritizing rate should look at State Farm and GEICO.

Travelers earns Delaware's highest MoneyGeek score at 4.9 out of 5, with a 5 out of 5 on both affordability and customer experience. It's the only Delaware insurer in this analysis with top results on both rate and service. Travelers is also the cheapest for adults at $48 per month, for drivers with a speeding ticket at $49 per month, for drivers with an accident at $62 per month, for low-income drivers at $73 per month, for newer cars at $57 per month, for older cars at $48 per month and for seniors at $72 per month.

State Farm is the cheapest after a DUI at $84 per month, $28 below Travelers' $112. That gap adds up to more than $1,000 over a three-year surcharge period. Its local agent network helps with the SR-22 filing process, which Delaware requires after a DUI conviction.

GEICO is the cheapest for young drivers at $153 per month, $80 below Travelers' $233 for the same profile. That difference is roughly $960 in annual savings at minimum coverage, though GEICO doesn't include gap insurance or accident forgiveness that young drivers financing vehicles may need.

Check the cheapest car insurance options in Delaware for a full rate breakdown.


Adult drivers (26–64), clean record	Travelers	$48	$74
After a speeding ticket	Travelers	$49	$80
After an at-fault accident	Travelers	$62	$102
Senior drivers (65+)	Travelers	$72	$114
Low income	Travelers	$73	$132
After a DUI	State Farm	$84	$153
Bad credit	GEICO	$96	$215
Young drivers (16–25)	GEICO	$153	$294

Delaware allows credit scoring, and GEICO's $96 per month bad-credit minimum is the cheapest option in the state, while Travelers has the highest score for that profile at $114 per month.

Best and Cheapest Overall

Travelers

Travelers earns a near-perfect composite score in MoneyGeek's Delaware analysis, 4.89 out of 5, with a 5/5 on both affordability and customer experience. That combination is uncommon: Travelers is the only Delaware insurer in this analysis that leads the state on both rate and service.

At $48 per month for minimum coverage for a clean-record adult, Travelers undercuts every other top-five insurer in Delaware on price and maintains that position across nearly every profile MoneyGeek tested.

The 5/5 customer experience score reflects reliable independent agent network ratings, above-average J.D. Power claims satisfaction results and a NAIC complaint index that runs better than the industry baseline. Its six optional coverages, the extras drivers can add beyond basic liability, collision and comprehensive, include accident forgiveness, gap insurance, new car replacement and rideshare coverage.

That's the most useful set for a Delaware driver financing a vehicle or driving for a rideshare platform in the Wilmington metro.

Affordability (60%): 5/5
Customer Experience (30%): 5/5
Coverage Options (10%): 3.9/5

Don't choose Travelers if you need the widest possible set of optional coverages. Farmers offers ten of them in Delaware, including glass deductible buyback, and Progressive offers nine including a diminishing deductible. Both run higher on monthly rate (Farmers at $76 per month minimum and Progressive at $119), but make sense for drivers prioritizing coverage depth over the best composite score.

Best Cheap for Young Drivers

GEICO

GEICO is the cheapest for young drivers in MoneyGeek's Delaware analysis at $153 per month, $80 below Travelers' $233 for the same profile. For a Delaware household adding a teen driver to a policy, that gap represents roughly $960 in annual savings at minimum coverage. GEICO is also the cheapest for bad-credit drivers at $96 per month, $18 below Travelers' $114 for that profile.

In this analysis, GEICO ranks fifth for customer experience among Delaware insurers, behind Travelers, Progressive, State Farm and Farmers. Its primarily phone-and-online operation means most claims interactions happen without a local agent. GEICO's optional coverage lineup is also thinner, with only three add-ons: roadside assistance, a vehicle service contract and rental reimbursement.

For young drivers whose families prioritize premium cost over claims-service depth, the rate difference favors GEICO. For those who expect to file more claims, Travelers is the better fit despite the higher rate.

Affordability (60%): 4.7/5
Customer Experience (30%): 4/5
Coverage Options (10%): 3/5

Don't pick GEICO if you need gap insurance or accident forgiveness for a young driver. Neither is in its Delaware lineup. Travelers' $233 young-driver minimum is $80 higher but includes both, plus new car replacement, worthwhile protection for the profile most likely to file a first accident claim.

Best for Drivers with a DUI

State Farm

State Farm is the cheapest after a DUI in MoneyGeek's Delaware analysis at $84 per month, $28 below Travelers' $112 for the same profile. That pricing gap across the surcharge period is the core of State Farm's case in Delaware: it prices the SR-22 requirement and conviction surcharge more competitively than most large carriers.

State Farm ranks third on customer experience among the Delaware insurers in this analysis, behind Travelers and Progressive. Its local agent model is its service advantage: a named agent to handle SR-22 paperwork and ongoing compliance checkpoints is a practical benefit for a DUI-affected driver.

Its optional coverage lineup is limited to three add-ons: roadside assistance, rental reimbursement and rideshare coverage.

Affordability (60% of score): 4.6/5
Customer Experience (30% of score): 4.2/5
Coverage Options (10% of score): 3/5

Don't pick State Farm if you need gap insurance or broader optional coverage. Travelers' $112 per month DUI minimum is $28 higher but includes gap insurance, accident forgiveness and a 5/5 customer experience score, worth considering if the DUI is accompanied by other stressors where claims support matters.

MONEYGEEK VERDICT

Travelers is the clearest choice for most Delaware drivers: it's the only insurer in MoneyGeek's Delaware analysis with 5/5 scores on both affordability and customer experience, and that consistency holds across adult, senior, accident, speeding and low-income profiles.

State Farm is the targeted choice for DUI-affected drivers, where the $28 per month gap over a three-year surcharge period adds up to more than $1,000, and the local agent model provides practical support for SR-22 filing. GEICO is the right call for families adding a young driver when rate is the priority, though the absence of gap insurance and accident forgiveness is a real trade-off for drivers financing a vehicle.

Drivers who want the broadest optional coverage lineup should request quotes from Farmers (10 coverages) and Progressive (9 coverages), keeping in mind that Farmers ranks last for customer experience among the Delaware insurers in this analysis. Because rates vary by ZIP code and individual profile, comparing quotes directly remains the most reliable way to confirm the best fit.

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Best Car Insurance in Delaware by City

Travelers at 4.9 out of 5 leads all 10 of Delaware's most populous cities in this analysis, an outcome that's uncommon among states where city-level and state-level winners often diverge. Most Delaware drivers can start their search with confidence in the statewide finding.

Rates still vary across Delaware's compact geography: Wilmington averages $70 per month while Georgetown averages $50 per month, a $20 gap driven by population density and I-95 corridor traffic risk concentrated in northern New Castle County.


Claymont	Travelers	4.9	$63
Dover	Travelers	4.9	$54
Georgetown	Travelers	4.9	$50
Middletown	Travelers	4.9	$54
Milford	Travelers	4.9	$51
New Castle	Travelers	4.9	$64
Newark	Travelers	4.9	$60
Seaford	Travelers	4.9	$51
Smyrna	Travelers	4.9	$51
Wilmington	Travelers	4.9	$70

Rates vary by ZIP code within each city. Northern New Castle County neighborhoods with heavier I-95 traffic exposure can differ from the city average, so pulling quotes by ZIP code gives a more accurate picture than the city-level figures above.

Summary: Best Overall Car Insurance Providers in Delaware on Average

Travelers earns Delaware's highest MoneyGeek score at 4.9 out of 5, with 5/5 on both affordability and customer experience, well ahead of Progressive and Farmers, both at 4.4 out of 5. No other insurer in this analysis achieved a 5/5 on even one of the two primary categories. This table shows all five ranked insurers.


Travelers	4.89	$63	1	4
Progressive	4.41	$142	2	2
Farmers	4.38	$100	10	1
State Farm	4.34	$108	3	6
GEICO	4.32	$96	5	6

How to Find the Best Car Insurance in Delaware for Your Profile

The gap between Travelers at $48 per month and GEICO at $68 per month for minimum coverage in Delaware is $240 per year. Delaware's PIP requirement and high-density I-95 corridor make the right insurer for each profile matter more than the statewide rate gap alone suggests.

1
Understand Delaware's coverage requirements
Delaware requires 25/50/10 liability plus a $15,000 PIP minimum (waivable). Delaware is an at-fault state. Use this baseline to evaluate whether minimum or full coverage makes sense for your vehicle and financial situation. Explore the cheapest car insurance in Delaware for a full rate comparison.
2
Account for Delaware's rate drivers
Delaware rates are elevated by I-95 corridor traffic, proximity to the Philadelphia and Baltimore metros and the state's PIP requirements. Drivers in northern New Castle County, near Wilmington and Claymont, will usually see higher rates than those in southern Delaware cities like Georgetown or Seaford.
3
Compare DUI rates directly
DUI drivers should compare State Farm at $84 per month versus Travelers at $112 per month for minimum coverage. State Farm's $28 per month advantage adds up to more than $1,000 over a typical three-year surcharge period. The local agent model also provides practical support for SR-22 paperwork and ongoing compliance.
4
Weigh coverage depth against rate
Farmers ranks first for coverage depth with 10 optional coverages in Delaware and Progressive ranks second with nine, but Farmers ranks last for customer experience among the Delaware insurers in this analysis. Progressive ranks second for both coverage and customer experience, making it a better balanced alternative for coverage-focused drivers.
5
Check bundle savings
Bundling home and auto insurance can reduce total premium costs for homeowners. Review the best home and auto insurance in Delaware for a comparison of the best bundle options in the state.

Frequently Asked Questions About Car Insurance in Delaware

Who has the cheapest car insurance in Delaware?

Travelers offers the cheapest minimum coverage for most Delaware drivers at $48 per month for a clean-record adult. State Farm is the cheapest after a DUI at $84 per month. GEICO is the cheapest for bad-credit drivers at $96 per month and the cheapest for young drivers at $153 per month.

What is the average cost of car insurance in Delaware?

Delaware rates run above the national average due to I-95 corridor traffic concentration, proximity to the Philadelphia and Baltimore metros and the state's PIP requirement, which adds to baseline premiums across all profiles. See the average car insurance cost in Delaware for a breakdown by profile and coverage level.

What car insurance is required in Delaware?

Delaware requires 25/50/10 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. The state also requires a $15,000 PIP minimum, though drivers can waive PIP in writing. Delaware is an at-fault state for most claims.

Is Delaware a no-fault state?

Delaware has a hybrid system. PIP coverage pays for your own injuries regardless of who caused the accident, but Delaware is primarily an at-fault state for other claims, meaning the at-fault driver's liability coverage is responsible for damages to the other party.

Does Delaware allow credit scoring for car insurance?

Yes, Delaware permits insurers to use credit history as a rating factor. GEICO offers the lowest bad-credit rate in the state at $96 per month for minimum coverage, making it a practical option for drivers whose credit score affects their premium.

Which insurer has the best customer service in Delaware?

Travelers ranks first for customer experience with a 5/5 score, built on reliable independent agent network ratings, above-average J.D. Power claims satisfaction standing and a NAIC complaint index better than the industry baseline. State Farm ranks third at 4.2 out of 5, supported by its local agent model.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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