Cheapest Low-Income Car Insurance in Delaware (2025 Rates)

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 claims the title of second most expensive state for car insurance, with minimum coverage averaging $110 monthly, a steep $57 premium over the $53 national baseline. GEICO captures most of Delaware's budget-conscious market, offering young drivers coverage at $70, adults at $65, seniors at $61, those with speeding tickets at $89, and bad credit holders at $92 per month. State Farm steps in as the most affordable provider for serious violations, charging $96 for DUI offenses and $106 following an accident.

Only New York exceeds Delaware's average costs, leaving residents paying considerably more than drivers in most other states. Even with GEICO's competitive positioning within Delaware, the state's elevated insurance costs create a financial burden for low-income drivers seeking basic liability protection.*


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.

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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

Here are a few ways to reduce your auto insurance costs in Delaware:

1
Choose minimum coverage
The most affordable coverage option for low-income drivers is holding the state minimum coverage, although it won't cover all of your costs in an at-fault accident.
2
Compare quotes
We recommend getting quotes from multiple providers to find the best deal for your specific car insurance needs. You can look to provider websites, independent brokers and online tools to get the best idea.
3
Look for discounts
Utilizing discounts is a good way for drivers to save on car insurance, including discounts for military members or being a good student. Customers can also take advantage of telematics programs to save money by practicing safe driving habits.
4
Increase your deductible
Opting for a higher deductible in your coverage can result in a lower monthly premium. Make sure that you can afford to pay if you need to file a claim however.
5
Consider pay-per-mile insurance
If you don't drive often, you can use pay-per-mile insurance, which combines a low base rate with a per-mile fee, meaning you won't pay more unless you drive a lot of miles.
6
Bundle your policies
Bundling home and auto insurance can lead to significant savings for Delaware drivers. Many providers offer a bundling discount, and we found on average bundling can save over $300 annually on insurance premiums for Delaware residents.
7
Get a cheaper car
A car's make, model and year impact insurance rates, as they impact repair and replacement expenses. Opting for a cheaper car to insure, like an older or more reliable vehicle, 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

We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Delaware:

40-year-old male
2012 Toyota Camry LE
Clean driving record
12,000 miles driven annually

To determine rates for specific driver profiles, we adjusted factors such as age, family status, driving history and credit standing.

Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 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

Our data shows rates for minimum coverage, which follows the requirements set by Delaware law, and offers affordable options for low-income drivers.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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