Cheapest Low-Income Car Insurance in Delaware

In Delaware, the cheapest car insurance for drivers with low incomes is Travelers at $44 monthly.

Find out if you're overpaying for car insurance below.

Updated: May 22, 2026

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Key Takeaways

While Delaware doesn't have a low-income car insurance program, customers can still find affordable coverage plans to stay legal on the road.

The most affordable car insurance in Delaware for low-income drivers is offered by Travelers, GEICO, Progressive and State Farm.

Low-income drivers can save on car insurance premiums by choosing a higher deductible, utilizing discounts and comparing rates from multiple providers.

Cheapest Car Insurance Companies for Low-Income Drivers in Delaware

Delaware ranks second in the country for car insurance costs, with minimum coverage averaging $110 a month, or $57 more than the $53 national average. GEICO is the top pick for budget-conscious drivers, with monthly rates of $70 for young drivers, $65 for adults, $61 for seniors, $89 for those with a speeding ticket and $92 for bad credit. For serious violations, State Farm has the lowest rates, at $96 for a DUI and $106 after an accident.

Only New York has higher average car insurance costs. Low-income Delaware drivers pay considerably more for basic liability protection than most Americans do.*


GEICO	Young Drivers	$70
GEICO	Adults	$65
GEICO	Seniors	$61
GEICO	Drivers With a Speeding Ticket	$89
State Farm	Drivers With a DUI	$96
State Farm	Drivers With an Accident	$106
GEICO	Bad Credit	$92

*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.

Cheapest Car Insurance for Families With Low Income in Delaware

Delaware's family insurance rates start with Travelers and GEICO competing closely for the lowest premiums, though costs vary significantly by household composition. Married couples without teens find the best value through Progressive at $59 or GEICO at $60 monthly, while couples with teens get better rates from Travelers at $86 compared to GEICO's $91. Single parents with teens face Delaware's highest costs, with State Farm offering the most affordable option at $169 monthly and GEICO following at $176, though rates can climb to $313 through Allstate.

The teen driver premium in Delaware adds roughly $27 for married couples using Travelers (from $62 without teens to $86 with), while single parents pay an additional $93 over married couples with teens. Delaware ranks among the nation's more expensive states for family coverage, with provider choice creating substantial savings opportunities, as married couples without teens can save $185 monthly by choosing Progressive at $59 over State Farm at $244.*

Data filtered by:


Travelers	$1,030	$86
GEICO	$1,097	$91
State Farm	$1,319	$110
Progressive	$1,399	$117
Allstate	$1,419	$118

*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.

Tips to Save On Car Insurance for Low-Income Drivers in Delaware

Low-income drivers in Delaware can lower their auto insurance costs in several ways.

1
Choose minimum coverage
State minimum coverage is the most affordable option for low-income drivers, though it won't cover all your costs in an at-fault accident.
2
Compare quotes
Get quotes from multiple providers to find the best deal for your coverage needs. Check provider websites, independent brokers and online comparison tools.
3
Look for discounts
Many insurers offer discounts for military members, good students and drivers who complete a telematics program. Ask your insurer which discounts you qualify for.
4
Increase your deductible
A higher deductible lowers your monthly premium. Make sure you can afford to pay it before filing a claim.
5
Consider pay-per-mile insurance
If you don't drive often, pay-per-mile insurance combines a low base rate with a per-mile fee, so you only pay more when you drive more.
6
Bundle your policies
Bundling home and auto insurance can save Delaware drivers over $300 a year on average. Most providers offer a discount for bundling.
7
Get a cheaper car
A car's make, model and year affect insurance rates because they affect repair and replacement costs. Choosing a cheaper car to insure, like an older or more reliable model, can lower your premiums.

Minimum Car Insurance Requirements in Delaware

Delaware drivers must meet these minimum car insurance requirements:

$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$10,000 in property damage liability per accident

If you're leasing or financing your vehicle, you must have a split of 100/300/100 liability coverage and comprehensive and collision protection.

WHY MINIMUM COVERAGE MAY NOT BE RIGHT FOR YOU

Minimum car insurance has limits — it covers the other driver’s costs if you cause a crash, but it won’t cover your car repairs or legal fees. If you drive often and can afford it, consider getting more than the minimum. This gives you better financial protection after an at-fault accident.

Cheap Low-Income Car Insurance in Delaware: Bottom Line

Travelers offers the lowest car insurance rates for most low-income drivers in Delaware. It's also the best choice for those with speeding tickets and accidents, while State Farm is ideal for drivers with DUIs. To find the best rates depending on your driving profile, compare different providers and coverage options.

Low-Income Auto Insurance in Delaware: FAQ

Low-income drivers in Delaware face challenges finding affordable car insurance. Here are common questions answered to help you save.

What is the cheapest car insurance for low-income drivers in Delaware?

Minimum coverage is typically the least expensive car insurance for low-income drivers, but it may not suffice for financed or leased vehicles. Travelers offers the cheapest monthly rates in Delaware: $46 for minimum coverage and $88 for full coverage.

Does Delaware have a state-supported low-income car insurance program?

Delaware doesn't offer a state-supported program assisting low-income drivers with car insurance.

Does your income affect the cost of car insurance in Delaware?

In Delaware, income doesn't directly determine car insurance rates. Other factors, such as driving history and credit score, can affect premiums.

How We Chose the Cheapest Car Insurance for Low-Income Drivers

Study Overview

MoneyGeek analyzed Delaware auto insurance rates using data from the Delaware Department of Insurance and Quadrant Information Services.

Data Acquisition, Depth and Analysis

MoneyGeek analyzed 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in Delaware.

Sample Driver Profile

The rates in this study are based on a sample driver profile: a 40-year-old male driving a 2012 Toyota Camry LE with a clean driving record and 12,000 miles driven annually. Rates for other profiles were calculated by adjusting factors such as age, family status, driving history and credit standing.

Seniors are 60 or older, young drivers are 22 to 29 and adults are 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.

Coverage Levels and Deductibles

Rates reflect minimum coverage as required by Delaware law, which is the most affordable option for low-income drivers.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!

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