The Cheapest Car Insurance in Delaware for 2022
The cheapest car insurance in Delaware is from State Farm, charging drivers an average of $795 per year for liability-only insurance.
MoneyGeek analyzed rates in Delaware to help drivers find the cheapest option. Seniors and drivers with violations usually get the cheapest quotes from State Farm, whereas teens might find more affordable options with GEICO. Comparing quotes helps you find the best option and saves you up to $1,255 annually.
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The Cheapest Car Insurance in Delaware
MoneyGeek looked at the most affordable auto insurers in Delaware by city for drivers who want to see the average costs in their area. For drivers who value both rates and customer service, MoneyGeek also researched the top auto insurance providers in Delaware.
Why Trust MoneyGeek? Delaware car insurance rates in this study are based on our analysis of data and information from the Delaware Department of Insurance and Quadrant Information Services.
These rates were updated in September 2022 to reflect how car insurance rates in Delaware have changed up to this month.
Cheapest Minimum Liability Car Insurance in Delaware
In Delaware, minimum liability coverage pays for the other party’s medical and vehicle repair costs if you cause an accident. To cover your expenses, you need comprehensive and collision coverage.
On average, the most affordable car insurance companies in Delaware for minimum coverage are:
- State Farm: $795 per year
- GEICO: $815 per year
USAA is the most affordable car insurance for minimum coverage in the state at an average of $357 per year. However, it is only available to veterans, current military members and their families. The most expensive car insurance provider for minimum coverage is Allstate, with an annual average rate of $1,074.
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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Cheapest Full Coverage Car Insurance in Delaware
A full coverage policy with higher liability limits and comprehensive and collision insurance can protect you against most road and off-road incidents in Delaware. It costs more than the 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. Comparing rates can help you get the lowest premiums.
The cheapest full coverage car insurance companies in Delaware are, on average:
- State Farm: $1,235 per year
- GEICO: $1,337 per year
USAA, available exclusively to military members and their families, is the most affordable full coverage car insurance in Delaware at an average cost of $644 per year. Allstate is the most expensive provider of full coverage, charging approximately $1,899 per year.
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.
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.
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.
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Cheapest Car Insurance in Delaware for Young Drivers
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 auto insurance for a 16-year-old driver in Delaware is $3,366 per year. For a 25-year-old, the average rate is $1,466 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
Auto insurance for teens is expensive at first but tends to go down as a driver ages. When comparing the most affordable companies, the average cost for a 25-year-old driver in Delaware is roughly $1,772 cheaper than that of a 16-year-old.
In order to save on premiums, young drivers can qualify for a number of discounts, such as good student or driver’s education. Additionally, shopping around is the key to finding cheap auto insurance providers in Delaware.
Cheapest Car Insurance in Delaware for Seniors
Senior drivers in Delaware tend to pay slightly more than young adults and middle-aged drivers. In this state, a senior driver pays roughly $1,566 per year on average.
The cheapest car insurance companies in Delaware, on average, for senior drivers with full coverage are:
- State Farm: $1,206 per year
- GEICO: $1,370 per year
USAA offers Delaware senior drivers the cheapest car insurance at an average of $715 per year. This is exclusive to military members and their families. The most expensive option for a Delaware senior is Allstate, with an average annual rate of $1,944.
CHEAPEST 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.
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.
Generally, seniors should shop around to find the most affordable rates. By comparing offers, seniors in Delaware can save up to $738 per year.
Cheapest Car Insurance for Drivers With Tickets in Delaware
Delaware drivers with even a minor driving violation will pay higher insurance rates. A driver with a speeding ticket pays $1,758 per year on average for coverage, which is roughly $268 more than a driver with a clean record.
On average, the most affordable car insurance providers in Delaware for a driver with a speeding ticket are:
- State Farm: $1,358 per year
- Travelers: $1,408 per year
USAA offers drivers with tickets the most affordable insurance option at an average of $816 per year. However, it is only available for military families. Allstate is the most expensive in Delaware for drivers with tickets, at an average cost of $2,088 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.
Cheapest Car Insurance for Drivers With a DUI in Delaware
The average cost of car insurance for drivers with a DUI in Delaware is $2,604 per year vs. $1,490 for the average driver with a clean record.
The cheapest car insurance companies in Delaware for a driver with a DUI are, on average:
- State Farm: $1,358 per year
- Progressive: $1,950 per year
At approximately $1,116 per year, USAA is the cheapest option in the state. However, it’s only available for military families. GEICO is the most costly option, at an average cost of $2,964 per year.
AVERAGE CAR INSURANCE RATES WITH A DUI
Driving under the influence in Delaware stays on your record for five years. Aside from facing jail time, fines and license suspension, you may also pay increased auto insurance rates.
Comparing car insurance companies can help you find the best rates and could save you up to $1,336 annually. You can also improve your driving record to help you save money and stay safe.
Cheapest in Delaware for Drivers With an At-Fault Accident
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 $2,055 per year.
On average, the cheapest car insurance policy providers in Delaware for drivers with at-fault accidents are:
- Travelers: $1,359 per year
- State Farm: $1,480 per year
USAA is the cheapest option in the state for drivers with an at-fault accident. Eligible drivers pay an average of $644 per year, but it’s only available to military members and their families. The most expensive option is Allstate at approximately $2,668 annually.
CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT
Cheapest Car Insurance in Delaware for Drivers With Bad Credit
Drivers with poor credit scores in Delaware will pay higher premiums than those with good credit scores. A driver with a bad credit score in the state could shell out an average of $2,974 per year for their auto insurance, nearly double the rate for a driver with good credit.
On average, the least expensive car insurance carriers in Delaware for full coverage with poor credit are:
- Nationwide: $1,806 per year
- GEICO: $1,972 per year
USAA offers drivers with bad credit a cheap average rate of $1,130 per year. This is only available for military members, veterans and their families. State Farm is the most expensive option for drivers with poor credit in Delaware at an average cost of $3,541 annually.
CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT
Drivers with bad credit pay an average of $1,484 more than drivers with good credit in Delaware. 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.
Shopping around for rates could save you up to $1,735 annually, but improving your credit score could have the biggest payoff on your rates. While improving your credit score doesn’t happen overnight, dedication and focus can pay off in ways that go far beyond car insurance.
Cheapest Car Insurance in Delaware for Military Drivers
In Delaware, USAA offers the cheapest car insurance for drivers with a military background. USAA is significantly cheaper than other insurers and costs up to $438 less per year compared to the second cheapest option, State Farm. However, only veterans and active members of the military are eligible for USAA car insurance.
- Average rate: $357 per year
- Ranks 1st out of seven insurers
When buying car insurance, discounts can help you save even more on your premiums. USAA is the most affordable option in Delaware, but you can save more money by taking advantage of discounts. USAA offers discounts for buying multiple policies as well as for insuring more than one car. You may also qualify for loyalty, defensive driving, safe driving and good student discounts depending on your profile.
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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Car Insurance in Delaware: What You Need to Know
Drivers in Delaware are legally required to have auto insurance, with the state imposing a number of restrictions if a driver does not have it.
Delaware Insurance Requirements
In Delaware, drivers are required to always have proof of insurance in their vehicles. Without it, the state DMV will not register a vehicle or issue license plates.
The minimum auto insurance requirements for drivers in Delaware include $25,000 in bodily injury liability and $10,000 in property damage. Alternatively, the state of Delaware also allows drivers to post a $40,000 cash bond instead of having insurance as long as the driver carries a photocopy of the bond in the vehicle at all times.
While getting the minimum required auto insurance in Delaware is cheap, it may not be enough in the event of an actual accident. Liability coverage does not pay for your injuries or any damages to your car, which is why getting comprehensive and collision insurance is a good idea.
Insurance industry organizations also 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.
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
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- 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.
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- 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 Highway Traffic Safety Administration (NHTSA). "Traffic Safety Facts." Accessed March 2, 2020.
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