Delaware Car Insurance Calculator: Estimate Your Car Insurance Costs

In Delaware, insurers require you to enter various personal information to provide you with an accurate car insurance price quote. You can use MoneyGeek’s car insurance calculator to get a rough estimate for the cost of a policy in the state.

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Last Updated: 11/21/2022
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Before buying a policy, it’s best to have an idea of how much car insurance costs. MoneyGeek’s car insurance calculator will help you get a ballpark figure for the cost of coverage in Delaware. We also analyzed how car insurance premiums are calculated in the state so you can understand the factors that have a significant impact on the cost of a policy.

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Delaware Car Insurance Calculator: Get an Instant, Free Estimate

MoneyGeek found that insurance companies in Delaware ask a variety of personal questions before providing you with a finalized quote estimate. The whole process usually takes around 10–15 minutes. You can use the MoneyGeek Delaware car insurance calculator to get an estimate of your monthly or yearly car insurance costs based on your age, driving record, vehicle type and coverage levels.

MoneyGeek’s research shows that adding a teen driver to a policy, credit scores and the age of the driver have the most impact on your car insurance rates. However, the most significant factor for you may be different depending on your profile.

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In Delaware, the most affordable company for you may depend on various factors. You can use our calculator to get a rough estimate. MoneyGeek’s calculator shows that State Farm offers the cheapest widely available policy for our sample driver at an average annual cost of $784.

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FACTORS TO CONSIDER WHEN GETTING A CAR INSURANCE ESTIMATE IN DELAWARE

You can use MoneyGeek’s car insurance calculator to get estimates or browse our collection of sample drivers to find the cheapest car insurance in Delaware.

If you want to understand the difference in car insurance costs in Delaware compared to other states, MoneyGeek analyzed the average cost of car insurance in Delaware.

For drivers who want the best type of policy and are not solely concerned with the cost, MoneyGeek ranked the best car insurance companies in Delaware that balance affordability and service quality.

How Car Insurance Premiums are Calculated in Delaware

MoneyGeek’s research shows that insurance companies in Delaware consider various factors while determining the cost of your car insurance policy. We found that adding a teen driver to a policy, credit scores and the age of the driver have the most effect on car insurance rates.

If you add a teen driver to your policy, you would have to pay about 2.7x more for car insurance in Delaware.

How Much Adding a Teen Driver Matters in Calculating Car Insurance in Delaware

Insurance companies in Delaware usually consider teen drivers high-risk individuals because they are more likely to get into an accident. Hence, they charge you much more if you add a teen driver to your policy. MoneyGeek found out that adding a teen driver to a policy can multiply your insurance rates by around 2.7x.

How Much Credit Scores Matters in Calculating Car Insurance in Delaware

In Delaware, your credit score also plays an important role in determining your car insurance rates. Since individuals with a low credit score are more likely to file a claim, they are given expensive car insurance quotes by Delaware insurance companies.

If you have a low credit score, insurance companies in Delaware will charge you roughly 2.3x more for a car insurance policy.

How Much Age of Driver Matters in Calculating Car Insurance in Delaware

Younger drivers have less experience on the road than older adults and they are also more likely to engage in risky behavior and cause accidents. Therefore, insurance companies in Delaware charge them higher rates for car insurance.

MoneyGeek’s research shows that being a young driver can multiply your car insurance rates by about 2.2x.

How Much Car Model Matters in Calculating Car Insurance in Delaware

Certain car models have a higher chance of getting into an accident, being stolen or having high repair costs. That’s why insurance companies charge higher rates to insure them.

If you own a car model that’s considered riskier to insure by insurance companies, you can expect to pay around 2x more for a car insurance policy in Delaware.

How Much Coverage Level Matters in Calculating Car Insurance in Delaware

In Delaware, the cost of a policy also depends on how much coverage you buy. If you buy a full coverage policy that includes various additional coverages, you would have to pay higher rates. MoneyGeek found that having a full coverage policy with additional coverages can multiply your car insurance costs by around 2x in Delaware.

How to Calculate How Much Car Insurance You Need in Delaware

The extent of your coverage has a significant impact on the cost of a car insurance policy in Delaware. It’s best to calculate how much coverage you need to find the right balance of cost and protection.

MoneyGeek found that Delaware law requires every driver to have an auto insurance policy with bodily injury liability, property damage liability and personal injury protection insurance.

1

Understand Delaware car insurance requirements

MoneyGeek analyzed the Delaware minimum car insurance requirements to help you get an idea of how much coverage you need in the state. Delaware law requires you to have $25,000 of bodily injury liability per person up to a total of $50,000 per accident.

You will also need $10,000 of property damage liability per accident and $15,000 of personal injury protection per person, up to a total of $30,000 PIP per accident. You are not required to have comprehensive and collision insurance, which provides you with more protection in case of an accident.

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Consider Purchasing Additional Liability Insurance

Drivers who want protection against the cost of damages in case of a major accident may need higher liability limits above Delaware’s minimum coverage requirement. We found that a policy with $300,000 in bodily injury liability limits per accident costs an average of $1,145 per year, while minimum liability insurance has an average annual cost of $823.

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Decide whether or not to buy comprehensive and collision insurance

You’ll have to decide if you need a full coverage policy that includes comprehensive and collision insurance, as Delaware law doesn’t require it. However, if you are leasing or financing a car, the lender may require you to have full coverage. MoneyGeek’s research shows that the cost of adding comprehensive and collision insurance with a $1,000 deductible is an average of $372 annually.

If you have an older car that’s only worth a few thousand dollars, it may be best not to opt for a full coverage policy — it might not be suitable to pay hundreds of dollars in additional insurance costs for a low-value car.

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Consider buying additional protection besides these core coverages

In Delaware, about 8.5% of drivers are uninsured. If you want to have protection against the cost of damages in case you get into an accident with such drivers, it’s best to buy uninsured/underinsured motorist coverage. Drivers in the state are covered up to $30,000 in medical costs and lost wages with PIP/medical payments coverage.

Frequently Asked Questions About How Car Insurance is Calculated in Delaware

MoneyGeek researched the answers to some frequently asked questions for drivers who are wondering how to calculate insurance premiums in Delaware.

Methodology

MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Delaware. Our data science team analyzed how personal factors impacted costs and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.