Personalized information like age, driving history and location can play a big role in determining car insurance premiums. MoneyGeek ranked the top car insurance companies in Delaware based on costs, customer service and other important factors to help you choose. Insurance providers weigh these factors differently, and that is why comparing quotes from multiple providers makes sense if you want the best car insurance in Delaware. MoneyGeek's ratings demonstrate a potential savings of $1,249 when comparing car insurance rates from top-rated companies in Delaware.
The Best Cheap Delaware Car Insurance Quotes for 2021
The Cheapest and Best Car Insurance in Delaware
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:
- USAA: $355 per year (only available to veterans and current military members)
- State Farm: $791 per year
The costliest car insurance for minimum coverage is Allstate, with an average rate of $1,069 per year.
Average Cost for Minimun Liability Coverage
Please keep in mind these prices are only averages and should serve as a guide to compare costs between insurers.
These prices are only estimates based on rates for an average Delaware driver and should not be used to compare insurance prices.
A minimum policy in Delaware only offers bodily injury and property damage liability insurance, along with personal injury protection. Drivers looking to protect against the cost of damages to their own car or who want to enhance the amount of liability coverage should consider buying a full coverage policy.
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 car insurance companies in Delaware for full coverage are:
- USAA: $641 per year (only available for military members, veterans and their families)
- State Farm: $1,229 per year
Allstate is the most expensive provider of full coverage, charging $1,890 per year on average.
Average Comprehensive and Collision Rates 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.
The Best Car Insurance Companies in Delaware for 2021
Based on MoneyGeek’s research, the best car insurance companies in Delaware for most drivers are:
- Best Overall: GEICO
- Runner-up: The Hartford
USAA received the highest score in Delaware by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
For this ranking of the best car insurance in Delaware, MoneyGeek considered several factors, including costs, financial strength, the ability to pay claims and customer support quality.
These stem from two industry-standard studies — J.D. Power’s U.S. Auto Insurance Study and AM Best’s financial strength ratings — along with other factors, like affordability. MoneyGeek ranked each criterion equally to come up with a comprehensive rating out of 100.
USAA only serves current and former military members and their families. It is MoneyGeek’s top pick in Delaware due to its high scores for the criteria of customer satisfaction, affordability, claims processing and financial stability.
USAA gets consistent rankings as one of the best and cheapest insurance companies in most states, including Delaware. It offers discounts for safe drivers, defensive driving, good students, new vehicles, multi-vehicle, annual mileage, vehicle storage, family and military installation.Read MoneyGeek's USAA auto Insurance Review
MoneyGeek ranks GEICO as the second-best car insurance company in Delaware. This provider gets high marks for affordability, user satisfaction and financial stability.
GEICO offers many good car insurance features to its policyholders. You can use its mobile app to track your plan and submit claims conveniently. The online quote tool makes it easy to get a price and adjust your coverages.Read MoneyGeek's GEICO auto Insurance Review
While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.
List of the Largest Insurance Companies in Delaware
The three largest insurance providers in Delaware by market share are State Farm (23.5%), GEICO (18.6%) and Nationwide (12.4%). Market share is the number of policies sold by an insurance company divided by the total number of policies sold in the state.
You may prefer to buy your car insurance package from a large company, as it is more likely to have financially sound operations. This often means you can get reimbursement for your claim without hassle, compared to the process with smaller insurers.
- CompanyMarket Share
How to Compare Cheap Delaware Car Insurance Quotes Online
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.
Enter your ZIP code below to compare quotes or use MoneyGeek’s pricing data as a guide to select ideal company websites to shop on. 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.
What Is the Average Cost of Car Insurance in Delaware?
Many unique factors play a role in determining car insurance premiums. For the sake of this research, MoneyGeek calculated the average rates for a 40-year-old male driving a Toyota Camry with a clean driving record. The rates are for 100/300/100 comprehensive and collision insurance. You might pay higher or lower rates depending on your age, driving history, location and coverage level.
- Average Driver: $1,483
- DUI: $2,591
- Speeding Ticket: $1,749
- Poor Credit Score: $2,742
- Seniors: $1,558
- Students: $3,224
Drivers in Delaware with a severe driving violation in their history, like a DUI, are riskier for insurers to cover and therefore 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:
- USAA: $1,110 per year (only available for military members, veterans and their families)
- State Farm: $1,351 per year
These two insurers also present the cheapest full coverage options for drivers with a clean record.
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 of getting a DUI, improving your driving record can help you save money and stay safe in the long run.
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:
- USAA: $812 per year (only available for military members, veterans and their families)
- State Farm: $1,351 per year
Meanwhile, Travelers checks into third place, with an average rate of $1,401 per year.
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 license. 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:
- USAA: $1,124 per year (only available for military members, veterans and their families)
- Nationwide: $1,797 per year
While State Farm’s full coverage rates are cheaper for drivers with strong credit scores, Nationwide offers lower rates for those with a bad credit score.
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 companies 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:
- USAA: $711 per year (only available for military members, veterans and their families)
- State Farm: $1,201 per year
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 student drivers in Delaware tend to pay far more than adult drivers because of their relative inexperience. The average annual cost of car insurance for student drivers in Delaware is $3,224, compared to $1,483 for the average driver.
The most affordable auto insurance carriers in Delaware for student drivers with full coverage are:
- GEICO: $2,656 per year
- Progressive: $3,018 per year
State Farm’s full coverage premiums are lower for the average driver, while GEICO’s costs are cheaper for student drivers.
Average Car Insurance Rates for Students
Parents and guardians of high school and college students typically pay higher premiums due to their lack of experience driving. 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. The table below looks at rates of cheap car insurance for young drivers in Delaware.
Insurance Rate Information for Military Drivers and Veterans
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 a Delaware. The packet contains a safety inspection checklist and a list of emission test requirements.
Average Rates for Delaware service members
Car Insurance in Delaware: What You Need to Know
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.
Average Insurance Rate by City in Delaware
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FAQs About Car Insurance in Delaware
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
- Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving State Fact Sheets." Accessed December 16, 2020.
- Defense Manpower Data Center. "Military and Civilian Personnel by Service/Agency by State/Country." Accessed March 2, 2020.
- Delaware Division of Motor Vehicles. "Delaware Driver Manual." Accessed March 2, 2020.
- Delaware Division of Motor Vehicles. "Senior Driving." Accessed March 2, 2020.
- Delaware State Police. "Delaware’s Annual Traffic Statistical Report, 2018." Accessed March 2, 2020.
- Experian. "2019 Consumer Credit Review." Accessed March 2, 2020.
- Insurance Commissioner of the State of Delaware. "The Instant Insurance Guide: Auto." Accessed March 2, 2020.
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed March 2, 2020.
- National Association of Insurance Commissioners. "2018 Market Share Reports." Accessed March 2, 2020.
- National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed March 2, 2020.
- State of Delaware. "Title 2 Transportation." Accessed March 2, 2020.