Updated: November 18, 2025
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Quick summary of the cheapest car insurance companies in Delaware by age and driving history:
Cheapest by coverage type
Cheapest by driver age
Cheapest by driving record and credit score
Rates refreshed: November 2, 2025
Travelers offers the cheapest minimum coverage at $45 monthly, followed by GEICO at $63 and California Casualty at $70. You'll save between 4% and 38% compared to the average minimum liability-only rate in Delaware
| Travelers | $45 | $539 | 38% |
| Geico | $63 | $752 | 13% |
| California Causality | $70 | $832 | 4% |
Delaware requires $15,000 in bodily injury liability per person, $30,000 per accident, and $10,000 in property damage liability (15/30/10). The state also mandates $15,000 in personal injury protection (PIP) coverage. Delaware is a no-fault insurance system, so your insurance covers your medical expenses and lost wages after an accident regardless of fault. Property damage claims work differently and you file against the at-fault driver's insurance for vehicle repairs.
See our expert analysis of how much car insurance you need.
Travelers offers the cheapest full coverage at $73 monthly, with Farmers and GEICO charging $114 and $115 monthly respectively.
| Travelers | $73 | $867 | 40% |
| Farmers | $114 | $1,358 | 6% |
| Geico | $115 | $1,377 | 5% |
Full coverage combines comprehensive and collision protection with your liability policy. In Delaware, comprehensive covers damage from nor'easters, coastal storms, flooding and theft. These weather risks drive up rates in coastal areas, so understanding what comprehensive covers helps you decide if full coverage is worth the cost for your location.
Delaware’s cheapest minimum coverage cost ranges from $38 in Georgetown to $53 in Wilmington, while full coverage goes from $61 in Georgetown to $86 in Wilmington. Travelers offers the lowest prices across most of the major cities in the dataset. You'll save up to 63% in Delaware by choosing the lowest cost insurer in your city.
| Dover | Travelers | $41 | $66 | -62% |
| Georgetown | Travelers | $38 | $61 | -61% |
| Middletown | Travelers | $42 | $67 | -62% |
| Milford | Travelers | $39 | $62 | -61% |
| Newark | Travelers | $46 | $74 | -63% |
| New Castle | Travelers | $49 | $79 | -63% |
| Seaford | Travelers | $39 | $63 | -61% |
| Smyrna | Travelers | $39 | $63 | -63% |
| Wilmington | Travelers | $53 | $86 | -61% |
At age 16, State Farm is the cheapest for both minimum coverage ($346 monthly) and full coverage ($603 monthly). At age 20, GEICO offers the cheapest minimum coverage at $138 monthly, while GEICO also has the cheapest full coverage at $262 monthly.
By age 25, rates drop, and Travelers is the cheapest for minimum coverage at $48 monthly and full coverage at $85 monthly.
| 16 | State Farm | $603 | $7,232 | 52% |
| 17 | Geico | $458 | $5,493 | 52% |
| 18 | Geico | $390 | $4,678 | 51% |
| 19 | Geico | $285 | $3,414 | 54% |
| 20 | Geico | $262 | $3,141 | 54% |
| 25 | Travelers | $85 | $1,015 | 69% |
| 16 | State Farm | $346 | $4,150 | 55% |
| 17 | Geico | $237 | $2,838 | 60% |
| 18 | Geico | $205 | $2,455 | 58% |
| 19 | Geico | $148 | $1,772 | 60% |
| 20 | Geico | $138 | $1,652 | 59% |
| 25 | Travelers | $48 | $572 | 71% |
For seniors in Delaware, Travelers offers the most consistent savings on both minimum and full coverage across all ages, starting at $73 monthly for minimum coverage at age 65 and $115 for full coverage at age 65.
| 65 | Travelers | $73 | $865 | 43% |
| 70 | Travelers | $52 | $618 | 62% |
| 80 | Travelers | $67 | $802 | 58% |
| 90 | Geico | $74 | $885 | 57% |
| 65 | Travelers | $115 | $1,370 | 46% |
| 70 | Travelers | $83 | $989 | 63% |
| 80 | Travelers | $107 | $1,283 | 60% |
| 90 | Geico | $133 | $1,588 | 53% |
State Farm offers the cheapest DUI rates at $86 monthly for minimum coverage and $157 for full coverage, with Travelers as the second cheapest at $108 monthly for minimum coverage and $174 for full coverage. While rates are higher after a DUI, you can save up to 52% on your rates in Delaware by choosing the cheapest company.
| State Farm | $86 | $157 | 52% |
| Travelers | $108 | $174 | 44% |
| Geico | $146 | $272 | 17% |
| Progressive | $147 | $217 | 27% |
| California Causality | $182 | $339 | -4% |
Travelers offers the cheapest accident rates at $60 monthly for minimum coverage and $97 for full coverage, with State Farm as the second cheapest at $94 monthly for minimum coverage and $171 for full coverage. Travelers stands out for being 62% cheaper than the state average after an accident.
| Travelers | $60 | $97 | 62% |
| State Farm | $94 | $171 | 35% |
| Farmers | $105 | $159 | 36% |
| California Causality | $111 | $208 | 22% |
| Geico | $119 | $226 | 16% |
Travelers provides the cheapest minimum coverage after a speeding ticket at $47 monthly saving you up to 65% compared to the state average. California Casualty is the second cheapest at $85 monthly for minimum coverage and $163 for full coverage, saving you up to 29%.
| Travelers | $47 | $77 | 65% |
| California Causality | $85 | $163 | 29% |
| State Farm | $86 | $157 | 31% |
| Farmers | $95 | $136 | 35% |
| Geico | $98 | $190 | 18% |
GEICO offers the cheapest minimum coverage for bad credit at $94 monthly and the cheapest full coverage at $211, with Travelers as the second cheapest at $111 monthly for minimum coverage and $193 for full coverage. Rates for drivers with poor credit are about 2-4X higher than those with excellent credit, but you can save up to 40% with the cheapest providers.
| Geico | $94 | $211 | 40% |
| Travelers | $111 | $193 | 40% |
| California Causality | $121 | $281 | 21% |
| Nationwide | $124 | $228 | 31% |
| Dairyland | $145 | $385 | -5% |
We gathered auto insurance data from the Delaware Insurance Department and analyzed quotes from major insurers across all residential ZIP codes in Delaware. Our analysis included more than 29 million rate comparisons in Delaware to find the cheapest options for different driver profiles, coverage types, and demographics. For detailed information on our research methodology, see our complete methodology guide.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.
