Travelers offers the cheapest car insurance for a minimum and a full coverage policy, young adults, seniors, drivers with poor credit and drivers with an accident or a ticket. But for other types of drivers, USAA and GEICO might offer better rates.
The best car insurance in Delaware will balance cost and quality customer service.
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Cheapest Minimum Liability Car Insurance in Delaware (September 2023)
The following companies offer the cheapest car insurance for a minimum coverage policy in Delaware:
- Travelers: $464 per year
- GEICO: $762 per year
Dairyland has the most expensive minimum coverage car insurance policy in Delaware, with an annual premium of $2,699.
A minimum coverage policy includes bodily injury liability, property damage liability and personal injury protection. These cover costs for vehicular damages, medical expenses and injury to other people in case of an accident. Note that coverage amounts vary by category.
A minimum coverage policy covers injuries to other people and damages to their cars. A full coverage policy is a better choice if you want car insurance that covers damages to your car. Full coverage policies often include comprehensive and collision insurance that protect your vehicle.
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Cheapest Full Coverage Car Insurance in Delaware (September 2023)
The cheapest full coverage car insurance companies in Delaware are:
- Travelers: $865 per year
- GEICO: $1,329 per year
Dairyland offers the most expensive full coverage policy at $4,345 per year.
You pay around $401 more per year when you add comprehensive and collision insurance to your Travelers policy. A full coverage policy might be more expensive, but it provides peace of mind.
A full coverage car insurance policy covers on-road and off-road incidents. Whether you incur damages from hitting a tree or through flooding, your insurance protects you.
The amount of car insurance you need will impact your rates. MoneyGeek’s sample full coverage policy has the following liability protections:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
Decreasing the liability limits, raising your deductible or removing comprehensive and collision insurance can make your policy more affordable. However, you may run the risk of having insufficient coverage.
How to Compare Cheap Delaware Car Insurance Quotes Online
Some insurers offer quotes through their online websites or mobile apps. This process can take up to 15 minutes and might require providing personal information. You’ll also want to compare quotes from different insurers to find the policy that best fits your budget.
MoneyGeek's car insurance calculator gives you a quick rate estimate without asking for specific personal information. You can use the information to help you find the cheapest car insurance.
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Cheapest Car Insurance in Delaware by Age (Septemberf 2023)
Car insurance rates in Delaware vary widely by your age. GEICO and Travelers have the cheapest prices on average for various age groups and family members.
Cheapest Car Insurance in Delaware for Teens and Their Families (September 2023)
The cheapest car insurance companies in Delaware for teens are:
- GEICO: $2,930 per year for male teens and State Farm: $2,528 per year for female teens
- State Farm: $3,207 per year for male teens and Travelers: $2,765 per year for female teens
The most expensive company is Progressive, charging $3,722 per year for male teens and $3,435 for female teens.
All around the U.S., including Delaware, teens enjoy a decreasing car insurance rate with age, with the cheapest rates given to the most senior teens. Delaware's most affordable provider for 19-year-old males is Travelers ($1,722 per year).
These costs are for adding a teen driver to a parent’s policy. The average individual premium for teens costs an average of $10,450 per year, whereas coverage under a parent’s policy costs around an average of $3,359 per year, showing a $7,091 difference.
On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.
Insurers enable young drivers to lower their rates through good student, driver education and safe driver discounts. For example, Progressive, Travelers, State Farm, GEICO and Allstate offer discounts for young drivers. Take advantage of these to save money on your car insurance.
Cheapest Car Insurance in Delaware for Young Adults (September 2023)
The cheapest car insurance companies in Delaware for drivers in their 20s are:
- Travelers: $939 per year
- GEICO: $1,503 per year
Young adults may find that Dairyland offers the most expensive car insurance policies, with an average annual premium of $5,325.
Drivers in their 20s usually pay more for car insurance than middle-aged drivers because the latter tend to be more experienced. A 40-year-old driver pays an average of $74 less than younger drivers for a Travelers policy.
Cheapest Car Insurance in Delaware for Seniors (September 2023)
The cheapest car insurance companies in Delaware for senior drivers are:
- Travelers: $827 per year
- GEICO: $1,249 per year
The most expensive company for seniors is Dairyland. The average annual premium for this policy is $4,018.
Depending on your insurer and personal circumstances, rates for senior drivers could be cheaper or more expensive than those for middle-aged drivers. A Travelers policy for middle-aged drivers is less expensive by $38 per year. However, the cost of car insurance may increase as drivers reach their 70s and 80s.
Some insurers offer senior driver discounts, allowing older drivers to save on their premiums. Insurers like Allstate, American Family and GEICO have these discounts. You can also compare rates across different insurers to find the one that best suits your needs and budget.
Cheapest Car Insurance for Higher Risk Drivers (September 2023)
Travelers is the cheapest car insurance company in Delaware after a ticket, an at-fault accident and a DUI.
A ticket, an at-fault accident or a DUI indicates to insurers that you are at a higher risk of getting into an accident. As a result, insurers will charge you a more expensive premium than those for drivers with clean records. You can save money by comparing rates across different insurers.
Travelers also offers the most economical prices for drivers with bad credit and for sports car owners.
Cheapest after a ticket: Travelers ($900 per year)
Cheapest after an accident: Travelers ($865 per year)
Cheapest after a DUI: Travelers ($1,523 per year)
Cheapest for poor credit: Travelers ($1,476 per year)
Cheapest for sports cars: Travelers ($1,156 per year)
Cheapest Car Insurance in Delaware After a Ticket
MoneyGeek found that the cheapest car insurance companies in Delaware for drivers with a speeding ticket are:
- Travelers: $900 per year
- State Farm: $1,601 per year
Dairyland has the most expensive policy for drivers with speeding tickets, with an average premium of $5,277 per year.
Drivers with a ticket pay an average of $357 more for car insurance yearly than those with a clean driving history.