Cheapest Car Insurance in Delaware (June 2024)


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ByMark Fitzpatrick
Reviewed byMandy Sleight
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ByMark Fitzpatrick
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Reviewed byMandy Sleight
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Updated: June 12, 2024

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Travelers offers the cheapest car insurance for a minimum policy, as well as most driver profiles. But for other types of drivers, USAA and State Farm might offer better rates.

The best car insurance in Delaware will balance cost and quality customer service.

Why Trust MoneyGeek? We base our analysis on quotes and other information we gathered from the Delaware Department of Insurance and Quadrant Information Services.

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These rates reflect the cheapest car insurance quotes in Delaware as of June 2024.

7,184Quotes Analyzed
 
8Companies Compared
 
7ZIP Codes

Cheapest Minimum Liability Car Insurance in Delaware (June 2024)

The following companies offer the cheapest car insurance for a minimum coverage policy in Delaware:

  • Travelers: $464 per year
  • GEICO: $827 per year

Dairyland has the most expensive minimum coverage car insurance policy in Delaware, with an annual premium of $3,004.

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.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Minimum Coverage
TravelersAnnual Premium$464Monthly Premium$39
GEICOAnnual Premium$827Monthly Premium$69
State FarmAnnual Premium$838Monthly Premium$70
ProgressiveAnnual Premium$913Monthly Premium$76
American FamilyAnnual Premium$1,316Monthly Premium$110
AllstateAnnual Premium$1,364Monthly Premium$114
DairylandAnnual Premium$3,004Monthly Premium$250

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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Find the Best Car Insurance in Delaware for You

 

Your car insurance rates will depend on your preferences and insurance needs. The table above contains rates for car insurance with minimum coverage in Delaware.

Learn more about how much car insurance you need.

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MoneyGeek looked for the best car insurance in Delaware. We analyzed and ranked different companies based on the costs and quality of their services.

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Several factors can affect your policy’s cost. MoneyGeek found the average cost of car insurance in Delaware for different driver profiles.

Cheapest Full Coverage Car Insurance in Delaware (June 2024)

The cheapest full coverage car insurance companies in Delaware are:

  • Travelers: $865 per year
  • GEICO: $1,463 per year

Dairyland offers the most expensive full coverage policy at $4,607 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.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$865Monthly Premium$72
GEICOAnnual Premium$1,463Monthly Premium$122
State FarmAnnual Premium$1,478Monthly Premium$123
ProgressiveAnnual Premium$1,501Monthly Premium$125
AllstateAnnual Premium$2,082Monthly Premium$174
American FamilyAnnual Premium$2,343Monthly Premium$195
DairylandAnnual Premium$4,607Monthly Premium$384

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 (June 2024)

Car insurance rates in Delaware vary widely by your age. GEICO has the cheapest prices on average for teens, while Travelers offers the best rates for both young adults and seniors.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: GEICO
Cheapest for young adults: Travelers
Cheapest for seniors: Travelers

Cheapest Car Insurance in Delaware for Teens and Their Families (June 2024)

The cheapest car insurance companies in Delaware for teens are:

  • State Farm: $2,528 per year for female teens and GEICO: $2,930 per year for male teens
  • Travelers: $2,765 per year for female teens and State Farm: $3,207 per year for male 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.

Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
State FarmFamily Plan Annual Premium$2,528Individual Plan Annual Premium$3,323
TravelersFamily Plan Annual Premium$2,765Individual Plan Annual Premium$10,724
GEICOFamily Plan Annual Premium$2,819Individual Plan Annual Premium$6,932
AllstateFamily Plan Annual Premium$3,114Individual Plan Annual Premium$11,879
ProgressiveFamily Plan Annual Premium$3,435Individual Plan Annual Premium$12,953
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MONEYGEEK EXPERT TIP

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 (June 2024)

The cheapest car insurance companies in Delaware for drivers in their 20s are:

  • Travelers: $939 per year
  • GEICO: $1,657 per year

Young adults may find that Dairyland offers the most expensive car insurance policies, with an average annual premium of $5,641.

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 $430 less than younger drivers for a Travelers policy.

Data filtered by:Results filtered by:
Age:
Age:25
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$939Monthly Premium$78
GEICOAnnual Premium$1,657Monthly Premium$138
ProgressiveAnnual Premium$1,830Monthly Premium$152
State FarmAnnual Premium$1,867Monthly Premium$156
AllstateAnnual Premium$2,181Monthly Premium$182
American FamilyAnnual Premium$3,235Monthly Premium$270
DairylandAnnual Premium$5,641Monthly Premium$470

Cheapest Car Insurance in Delaware for Seniors (June 2024)

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

  • Travelers: $827 per year
  • State Farm: $1,371 per year

The most expensive company for seniors is Dairyland. The average annual premium for this policy is $4,284.

Depending on your insurer and personal circumstances, rates for senior drivers could be cheaper or more expensive than those for middle-aged drivers. A full coverage policy for middle-aged drivers is more expensive by $122 per year. However, the cost of car insurance could increase as drivers reach their 70s and 80s.

Data filtered by:Results filtered by:
Age:
Age:65
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$827Monthly Premium$69
State FarmAnnual Premium$1,371Monthly Premium$114
GEICOAnnual Premium$1,372Monthly Premium$114
ProgressiveAnnual Premium$1,487Monthly Premium$124
American FamilyAnnual Premium$2,008Monthly Premium$167
AllstateAnnual Premium$2,133Monthly Premium$178
DairylandAnnual Premium$4,284Monthly Premium$357

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 (June 2024)

Travelers is the cheapest car insurance company in Delaware after a ticket, an at-fault accident or a DUI. These violations indicate 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.

Travelers also offers the most economical prices for pople with bad credit and for sports car owners.

CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

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: $1,733 per year

Dairyland has the most expensive policy for drivers with speeding tickets, with an average premium of $5,615 per year. Drivers with a ticket pay an average of $382 more for car insurance yearly than those with a clean driving history.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$900Monthly Premium$75
State FarmAnnual Premium$1,733Monthly Premium$144
ProgressiveAnnual Premium$2,028Monthly Premium$169
GEICOAnnual Premium$2,083Monthly Premium$174
AllstateAnnual Premium$2,308Monthly Premium$192
American FamilyAnnual Premium$2,343Monthly Premium$195
DairylandAnnual Premium$5,615Monthly Premium$468

Cheapest Car Insurance in Delaware After an Accident

The cheapest car insurance companies in Delaware for drivers with an at-fault accident are:

  • Travelers: $865 per year
  • State Farm: $1,895 per year

Dairyland has the most expensive average premium, at $6,427 per year. Drivers with an at-fault accident on their record pay an average of $849 more than drivers with a clean record.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$865Monthly Premium$72
State FarmAnnual Premium$1,895Monthly Premium$158
ProgressiveAnnual Premium$2,263Monthly Premium$189
GEICOAnnual Premium$2,841Monthly Premium$237
American FamilyAnnual Premium$2,971Monthly Premium$248
AllstateAnnual Premium$3,023Monthly Premium$252
DairylandAnnual Premium$6,427Monthly Premium$536

Cheapest Car Insurance in Delaware After a DUI

The cheapest car insurance companies in Delaware for drivers with a DUI are:

  • Travelers: $1,523 per year
  • State Farm: $1,733 per year

The most expensive company for drivers with a DUI is Dairyland, with an average premium of $4,716 per year. After a DUI, your car insurance premium can increase by as much as $798 annually.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$1,523Monthly Premium$127
State FarmAnnual Premium$1,733Monthly Premium$144
ProgressiveAnnual Premium$2,070Monthly Premium$172
AllstateAnnual Premium$2,741Monthly Premium$228
GEICOAnnual Premium$3,438Monthly Premium$286
American FamilyAnnual Premium$3,706Monthly Premium$309
DairylandAnnual Premium$4,716Monthly Premium$393

Cheapest Car Insurance in Delaware for Drivers With Poor Credit (June 2024)

The cheapest car insurance companies in Delaware for drivers with poor credit (below 580) are:

  • Travelers: $1,476 per year
  • GEICO: $2,146 per year

Dairyland, with an average premium of $6,248, is the most expensive company for drivers with poor credit. A driver with poor credit pays an average of $1,452 more per year than a driver with good credit (above 750).

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$1,476Monthly Premium$123
GEICOAnnual Premium$2,146Monthly Premium$179
ProgressiveAnnual Premium$2,464Monthly Premium$205
AllstateAnnual Premium$2,965Monthly Premium$247
American FamilyAnnual Premium$4,374Monthly Premium$365
State FarmAnnual Premium$4,830Monthly Premium$402
DairylandAnnual Premium$6,248Monthly Premium$521

Insurers charge drivers with lower credit ratings higher rates since they are more likely to file claims. This practice is legal in Delaware, but some states don’t allow it.

You can get better rates by improving your credit score, but this can take time. Comparing rates can help you save money in the meantime. Insurers also provide discounts, like bundling and for having car safety features.

Cheapest Car Insurance in Delaware for Sports Cars (June 2024)

The cheapest car insurance companies for sports car drivers in Delaware are:

  • Travelers: $1,156 per year
  • GEICO: $1,551 per year

The most expensive car insurance for a sports car is from Dairyland, with an average premium of $4,635 per year. Insuring a sports car is typically more expensive. You might pay $156 more for your policy if you have a Mustang than if you have a Camry.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$1,156Monthly Premium$96
GEICOAnnual Premium$1,551Monthly Premium$129
State FarmAnnual Premium$1,709Monthly Premium$142
ProgressiveAnnual Premium$1,839Monthly Premium$153
AllstateAnnual Premium$2,002Monthly Premium$167
American FamilyAnnual Premium$2,536Monthly Premium$211
DairylandAnnual Premium$4,635Monthly Premium$386

MoneyGeek's sample sports car is a Ford Mustang. Your insurance rates may vary depending on your car model and your insurance company.

Luxury, electric, and sports cars tend to cost more to insure because they are more expensive to repair and replace. Nevertheless, rates are different in every state.

Cheapest Car Insurance in Delaware for Military Drivers (June 2024)

Delaware's cheapest car insurance company for active duty or military veterans is Travelers, with an average premium of $865 per year.

USAA tailors its insurance policies to members of the military, whether they’re on active duty or veterans. Its services can also extend to eligible family members. USAA's average yearly rate is also competitive at $946.

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MoneyGeek Top Pick
Travelers
  • $865 per year

Travelers does not offer a military discount but is still the cheapest insurer in Delaware.

Car Insurance in Delaware: What You Need to Know

Delaware drivers must meet the state minimum requirements for car insurance which often includes bodily injury liability and property damage liability. In addition, Delaware requires personal injury protection. Alternatively, you can issue a surety bond, set up securities or become a self-insurer.

Delaware Car Insurance Requirements

The minimum car insurance requirements in Delaware include bodily injury liability, property damage liability and personal injury protection.

Minimum coverage insurance is cheaper than full coverage but has limited protection in case of an accident. We recommend having as much liability coverage as you can afford. It provides added protection and security.

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    Bodily Injury Liability

    Bodily injury liability covers the medical costs for a person you’ve hurt due to an at-fault accident. It often includes medical expenses, loss of income, legal fees and other costs. This coverage does not include injuries you sustain.

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    Property Damage Liability

    Property damage liability pays to repair the vehicle or property of the other person in an at-fault accident. It covers damages to their car, home, building or other properties involved in the claim. It doesn’t pay to repair your vehicle.

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    Personal Injury Protection

    Personal injury protection covers the policyholder’s medical expenses in case of an accident, whether or not the policyholder is at fault.

We recommend a policy with coverage limits of $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage insurance per accident.

Car owners who’ve financed their car purchases may need to get comprehensive and collision insurance, depending on their lender. Comprehensive insurance covers damages to your vehicle not caused by a collision. Collision insurance pays for the damages incurred from hitting another vehicle or object.

Although comprehensive and collision insurance aren’t required in most cases, they can be beneficial if you have a high-value car.

Car Insurance Alternatives in Delaware

Instead of having a car insurance policy in Delaware, you can execute a surety bond, make a security deposit or register as a self-insurer. These alternatives prove your financial ability to comply with state laws on motor vehicles.

A surety bond is documentary proof that you have liability insurance. You need to secure two bonds — one from a surety company in Delaware and another with a couple of sureties. The latter needs to have a judicially approved real estate property attached to it, and the equities should be twice the bond amount.

A security deposit allows you to get a certificate from the State Treasurer. Before you can get this, you need a security of at least $40,000. Another requirement is the absence of any negative pending judgment concerning you in your country of residence.

To be a self-insurer, you must have 15 motor vehicles registered in Delaware under your name. You can get a certificate of self-insurance issued by the Secretary of Transportation. A self-insurer should prove their financial capacity to pay for obligations that a standard policy may otherwise cover. These obligations can include liabilities from negligence and basic reparation benefits.

Depending on your circumstances, purchasing a car insurance policy could be the safest option. Your policy can cover a wide range of damages and injuries with little financial risk to you.

FAQ About Car Insurance in Delaware

MoneyGeek answers common questions from drivers shopping for car insurance in Delaware.

Which company offers the cheapest car insurance in Delaware?
Should you buy the cheapest car insurance available in Delaware?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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