The Cheapest Car Insurance in Delaware for 2021

cheapestauto insuranceDelaware2021

The Cheapest Car Insurance in Delaware

Cheapest for minimum liability - State Farm

Cheapest for full coverage - State Farm

Cheapest for drivers with a DUI - State Farm

Cheapest for drivers with a ticket - State Farm

Cheapest for drivers with bad credit - Nationwide

Cheapest for senior drivers - State Farm

Cheapest for student drivers - GEICO

In Delaware, minimum liability only coverage pays for the other party’s medical and vehicle repair costs if you cause an accident. To also cover your own expenses, you would need to get comprehensive and collision coverage.

The most affordable car insurance companies in Delaware for minimum coverage are:

• State Farm: $791 per year
• GEICO: $811 per year

USAA is the most affordable car insurance for minimum coverage in the state at an average of $355 per year. However, it is only available to veterans and current military members and their families. The costliest car insurance for minimum coverage is Allstate, with an average rate of $1,069 per year.

Cheapest Minimum Car Insurance in Delaware

These prices are only estimates based on rates for an average Delaware driver and should not be used to compare insurance prices.

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A full coverage package with higher liability limits and comprehensive and collision insurance can protect you against most road and off-road incidents in Delaware. Its cost is higher than minimum coverage, but it can pay for the cost of damages to your car as well as the other party’s in an at-fault accident. You can compare car insurance quotes to reduce your premiums.

The cheapest full coverage car insurance companies in Delaware are:

• State Farm: $1,229 per year
• GEICO: $1,331

USAA, available exclusively to military members and their families, is the most affordable full coverage car insurance in Delaware at an average cost of $641 per year. Allstate is the most expensive provider of full coverage, charging $1,890 per year on average.

Cheapest Full Coverage Car Insurance in Delaware

Please note that your individual premiums will vary from these examples. Prices are for a policy with comprehensive and collision insurance providing $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.

Leading car insurance providers offer online quote tools for your convenience. While comparing quotes, you should use consistent limits. For example, if you get a quote for comprehensive and collision insurance with a $500 deductible from one insurer, you should use the same deductible while obtaining rates from other carriers.

Get a quote estimate without specific personal information using MoneyGeek’s car insurance calculator. Enter more details on the tool for a personalized quote. In Delaware, the three cheapest insurers for liability coverage are USAA, State Farm and GEICO. Therefore, it’s often advisable to start your search for a suitable policy by getting prices from these providers.

Auto Insurance Calculator

State

Delaware

Age

40

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Add Student Driver

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$368

Drivers in Delaware with a severe driving violation in their history, like a DUI, are riskier for insurers to cover and will pay higher rates. The average cost of car insurance for drivers with a DUI in Delaware is $2,591 per year, compared to $1,483 for the average driver with a clean record.

The cheapest car insurance companies in Delaware for a driver with a DUI and full coverage are:

• State Farm: $1,351 per year
• Progressive: $1,940 per year

At an average of $1,110 per year, USAA is the cheapest option in the state; however, it’s only available for military members, veterans and their families. MetLife is the most costly option in Delaware for drivers with a DUI at an average of $4,979 per year.

Average Car Insurance Rates With a DUI

In a study conducted by the Centers for Disease Control and Prevention (CDC), 1.7% of Delaware drivers admitted to drinking too much before getting behind the wheel at least once during the previous 30 days. Delaware takes driving under the influence seriously. Individuals convicted of a DUI face jail time, fines and license suspension, along with increased auto insurance rates. While it may cost more to get insurance after a DUI, comparing car insurance companies can help you find the best rates for your situation.

State-level laws mandate how long a DUI impacts auto insurance rates. In Delaware, expect a DUI to stay on your record for five years. Convicted individuals must also participate in a 16-hour DUI education program that highlights the dangers of drugs and alcohol. Although there may be significant costs associated with getting a DUI, improving your driving record can help you save money and stay safe in the long run.

Having an at-fault accident can cause a significant increase in car insurance premiums in Delaware. The average cost to insure a driver with an at-fault accident is $1,870 per year.

On average, the cheapest car insurance policy providers in Delaware for drivers with at-fault accidents are:

• Travelers: $1,353 per year
• State Farm: $1,473 per year

USAA is one of the cheapest options in the state for drivers with an at-fault accident. Eligible drivers pay an average of $640 per year, but it’s only available to military members and their families.

Cheapest Car Insurance With an At-Fault Accident

Delaware drivers with even a minor driving violation will pay higher rates for insurance coverage. In this state, a driver with a speeding ticket needs to pay $1,749 per year on average for their car insurance coverage, $266 more than a driver with a clean record typically pays.

The most affordable car insurance providers in Delaware for a driver with a speeding ticket and full coverage are:

• State Farm: $1,351 per year
• Travelers: $1,401 per year

USAA offers drivers with tickets the most affordable insurance option at an average of $812 per year; however, it is only available for military members, veterans and their families. Conversely, Allstate is the most expensive in Delaware for drivers with tickets at an average cost of $2,028 annually.

Average Car Insurance Rates With a Ticket

Distracted driving accounted for 104 deaths in Delaware during 2018. Whether you receive a ticket for distracted driving or speeding, these offenses can impact your auto insurance quotes. The Delaware DMV does not add points to a license for first-time offenders speeding between 1 and 14 miles per hour over the stated limit, provided they pay their ticket. All other offenders receive points on their licenses. How Delaware car insurance companies handle these points is up to each, as observed in the table above.

How long a ticket will impact your auto insurance depends on the severity of the incident. Someone receiving a ticket for speeding will see their rates lower more quickly than a distracted driver who caused an accident. The high toll of distracted driving can do far more than raise your insurance premiums, so always be careful when you’re behind the wheel.

Drivers with poor credit scores in Delaware will pay higher premiums than those with healthy credit scores. A driver with a bad credit score in this state needs to shell out an average of $2,742 per year for their auto insurance, nearly double the rate for a driver with good credit.

The least expensive car insurance carriers in Delaware for full coverage with poor credit are:

• Nationwide: $1,797 per year
• GEICO: $1,962 per year

USAA offers drivers with bad credit a cheap average rate of $1,124 per year. This is only available for military members, veterans and their families. MetLife is the most expensive option for drivers with poor credit in Delaware at an average cost of $4,367 annually.

Average Car Insurance Rates for Drivers With Bad Credit

A bad credit score doesn’t necessarily mean someone is at a higher risk for not paying their premiums, but it can mean they will struggle to do so against other debts. Because of this factor, individuals with lower credit scores tend to pay higher premiums. Delaware residents had average FICO scores of 701 in 2019, a number considered “good” by most creditors and insurers. Review the table below to get a sense of what the average driver with poor credit pays.

Delaware auto insurance companies use different risk factors to develop a quote, so check with several of the top 10 auto insurance companies in the USA to see which one will work best for you. Improving your credit score doesn’t happen overnight, but dedication and focus can pay off in ways that go far beyond car insurance.

Senior drivers in Delaware tend to pay slightly more than young adults and middle-aged drivers. In this state, a senior driver pays roughly $1,558 per year on average, an increase of about $75.

The cheapest car insurance companies in Delaware for senior drivers with full coverage are:

• State Farm: $1,201 per year
• GEICO: $1,363 per year

USAA offers Delaware senior drivers the cheapest car insurance at an average of $711 per year. This is exclusive, however, to military members and their families. The most expensive option for a Delaware senior is Allstate, with an average annual rate of $1,935.

Average Car Insurance Rates for Seniors

Finding cheap car insurance for seniors in Delaware may take some extra time, but it can be done provided the driver has a clean record. Seniors over the age of 65 accounted for 12.6% of fatal Delaware wrecks in 2017, creating legitimate concern for some insurance agencies about how to best protect this population. The Delaware DMV allows seniors to renew licenses for five-year periods if they can pass an eye exam. Written and road tests can also be required but are typically waived.

Car insurance for seniors can vary based on the type of car they drive, the amount of time spent on the road and whether they have previous driving offenses on their record. Factors such as hearing and/or vision impairments can also affect insurance rates.

Young drivers, who are seen as riskier to insure due to inexperience behind the wheel, tend to have more expensive car insurance premiums than other adult drivers. For instance, the average cost of insurance for a 16-year-old driver in Delaware is $3,349 per year. For a 25-year-old, the average rate is $1,459 per year.

GEICO is most commonly the cheapest company for young drivers in the 16-25 age range in Delaware.

Annual Car Insurance In Delaware for Young Drivers

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• Age
  Average Cost
  Cheapest Company
  Company Cost
• 16
  $3,349
  GEICO
  $3,050
• 17
  $3,093
  GEICO
  $2,608
• 18
  $2,753
  GEICO
  $2,311
• 19
  $3,109
  GEICO
  $2,671
• 20
  $3,024
  State Farm
  $2,407
• 21
  $2,160
  GEICO
  $1,938
• 22
  $1,974
  GEICO
  $1,768
• 23
  $1,733
  GEICO
  $1,362
• 24
  $1,593
  GEICO
  $1,306
• 25
  $1,459
  GEICO
  $1,287

Show more

Of the 49,073 wrecks that occurred in Delaware during 2018, drivers under the age of 25 accounted for 9,538 of them. The good news is that insurance rates tend to decrease as young drivers age, so make sure to get a personalized quote. Discounts may also be available, including good student, driver’s education and driving a midsize vehicle. The table above looks at rates of cheap car insurance for young drivers in Delaware.

Delaware is home to nearly 10,000 active and veteran military members as of December 2019. The Delaware Insurance Commissioner urges these residents to ask questions about their auto insurance before buying a policy, including how coverage works during deployment. Auto insurance discounts exist for this demographic, but providers also consider factors such as credit history and driving record when setting rates.

While paying your auto insurance premiums during deployment, don't forget to renew your vehicle registration. The Delaware DMV will mail an Out-of-State Inspection Packet to any active-duty enlisted person outside of a 250-mile radius of Delaware. The packet contains a safety inspection checklist and a list of emission test requirements.

Average Rates for Delaware service members

25 years$1,551
50 years$1,136

25 years$1,452
50 years$1,157

All Delaware motor vehicle owners must buy the state-mandated minimum auto insurance coverage or post a cash bond. The state DMV will not register a vehicle or issue license plates until you provide proof of insurance or the cash bond. Vehicles that are inoperable or in storage do not need to be insured unless registered for road use.

Minimum Liability Insurance Requirements in Delaware

Delaware state law requires all registered vehicles to have the minimum state liability auto insurance coverage:

• $25,000 for death or injury of one person
• $50,000 for deaths or injuries per accident
• $10,000 for property damage

Alternatives to Insurance in Delaware

Delaware auto owners can post a $40,000 bond for each registered vehicle as an alternative to buying insurance. Drivers should carry a photocopy of the bond in the vehicle while driving as proof of financial responsibility.

How Much Coverage Do You Need in Delaware?

Most drivers need more than the minimum coverage required by the state to stay fully protected. Liability insurance doesn't cover damage to your car, so you may want to get collision and comprehensive coverage.

As for protecting yourself, insurance industry organizations recommend liability coverage of 100/300, meaning $100,000 coverage for injuries to one person and $300,000 per accident. You may also want to look into uninsured motorist coverage, which can help protect you if you’re injured by a hit-and-run driver or someone without car insurance.

Cheapest Car Insurance in Delaware by City

The cost of auto insurance can vary greatly depending on your place of residence. Auto insurance costs an average of $1,483 per year in Wilmington, Delaware.

If you want to know more about auto insurance policies and prices in your area, click on your city.

Average Insurance Rate by City in Delaware

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• City
  Annually
  Monthly
• 1.
  Wilmington
  $1,483
  $124

To help you make the right choice, here are the answers to some frequently asked questions about car insurance policies and prices in Delaware.

About the Author

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Katy McWhirter is a professional writer and owner of Heritage Creatives, a boutique historical branding agency. She has experience in nonprofit management, marketing, personal finance, government relations and education from her decade-plus writing career. Katy’s work has been featured in both the United States and abroad, highlighting the need for research-driven, accessible information on financial topics.

Katy earned her bachelor’s degree in social entrepreneurship from Belmont University in Nashville, Tennessee, and her master’s degree in modern history from the University of York in England. She spends her free time with her husband and two cats, restoring their 1901 home in Louisville and reading up on all things personal finance.

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