Cheapest Car Insurance in Delaware for 2026

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Updated: July 14, 2026

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Travelers is the cheapest car insurance in Delaware for full coverage ($84 a month), minimum coverage ($51 a month), seniors ($90 a month) and across all 18 Delaware cities. For teen and young adult drivers, rates start at $562 a month at age 16 and drop to $93 a month by age 25, with Travelers cheapest for most of those years.

Drivers with a DUI or texting while driving violation will find State Farm the cheapest option at $147 a month. Rates, scores and coverage details are at the best car insurance in Delaware.

Minimum Coverage
Travelers
$51/mo
4.89/5
Full Coverage
Travelers
$84/mo
4.89/5
16-Year-Old Male
State Farm
$586/mo
4.34/5
16-Year-Old Female
Nationwide
$562/mo
4.19/5
Young Adults
Travelers
$93/mo
4.89/5
Seniors (70+)
Travelers
$90/mo
4.89/5
Speeding ticket
Travelers
$86/mo
4.89/5
At-fault accident
Travelers
$109/mo
4.89/5
DUI
State Farm
$147/mo
4.34/5
Bad Credit
GEICO
$193/mo
4.32/5
Travelers

Travelers

Best Cheap Car Insurance for Minimum & Full Coverage in Delaware

Travelers is the best cheap car insurance in Delaware for minimum ($51 a month) and full coverage ($84 a month). Drivers who want full coverage have the option to add new car replacement, gap coverage and rental reimbursement, which are particularly useful when the vehicle is financed or was recently purchased. With an A++ financial strength rating from AM Best, Travelers is expected to cover claims without financial issues. Drivers on minimum coverage can lower their rates through safe driving and multi-policy discounts. IntelliDrive takes it further by tracking mileage and driving behavior through the Travelers app, reducing the premium at renewal for drivers with consistent habits. Rates, scores and coverage details are at the Travelers car insurance review.

Cheapest Car Insurance in Delaware by Coverage Type

Travelers
$51
$84
4.89/5
GEICO
$61
$111
4.32/5
Farmers
$82
$131
4.38/5
State Farm
$72
$134
4.34/5
Nationwide
$99
$146
4.19/5

Cheapest minimum coverage in Delaware

Travelers is the cheapest option for minimum coverage in Delaware at $51 a month, $10 less than GEICO's $61. Drivers who want the lowest legal rate in Delaware should quote Travelers first. Nationwide charges $99 for minimum coverage, the highest in the table, so the carrier you pick matters as much as the coverage level for minimum coverage shoppers.

Cheapest full coverage in Delaware

Travelers is the cheapest option for full coverage in Delaware at $84 a month and also carries the highest overall score at 4.89/5, so drivers get the lowest rate and the strongest overall rating in the same policy. GEICO is second at $111, $27 more a month. Farmers scores 4.38/5 and charges $131, which gives it the highest coverage score in the state at 4.75/5. Drivers who need a wider range of add-ons should quote Farmers as a second option.

How to choose between minimum and full coverage in Delaware

Full coverage costs $33 more a month than minimum coverage in Delaware, comparing Travelers' $84 full coverage rate to its $51 minimum rate. Delaware is an at-fault state with mandatory PIP, which means minimum coverage pays your own medical bills up to $15,000 per person, but pays nothing toward vehicle repairs if you cause a crash. Drivers whose car isn't worth the extra $396 a year in full coverage premiums and who aren't making loan or lease payments can weigh that cost against their car's value. Drivers with a loan don't have that choice. Lenders require full coverage. For guidance on how much coverage you need, see how much car insurance do you need.

Cheapest Car Insurance for Teens and Young Adults in Delaware

The cheapest car insurance for teen drivers in Delaware starts at $562 a month for a 16-year-old female through Nationwide and $586 a month for a male through State Farm. Rates drop significantly as teens age, reaching $93 a month for males and $94 for females by age 25 through Travelers.

At 17, both genders move to GEICO, which holds the lowest rate through age 20. At 21, Travelers takes over at $141 a month for males and $143 for females, staying cheapest through 25 at $93 for males and $94 for females. Getting new quotes at those two ages is where the biggest savings are. See how to switch car insurance companies for the steps to make each change.

16
Nationwide
$562
State Farm
$586
3.60/5 (F) / 3.80/5 (M)
17
GEICO
$456
Geico
$416
3.65/5
18
GEICO
$388
Geico
$354
3.65/5
19
GEICO
$283
Geico
$259
3.65/5
20
GEICO
$261
Geico
$238
3.65/5
21
Travelers
$143
Travelers
$141
4.28/5
22
Travelers
$125
Travelers
$123
4.28/5
23
Travelers
$116
Travelers
$114
4.28/5
24
Travelers
$111
Travelers
$109
4.28/5
25
Travelers
$94
Travelers
$93
4.28/5
Travelers

Travelers

Best Cheap Car Insurance for Teens & Young Drivers in Delaware

For young adult drivers in Delaware, Travelers is the strongest option from age 21 ($141/month) through 25($93/month). The lowest rate in this age group comes with Travelers' highest overall MoneyGeek score at 4.89/5, which reflects strong performance on both price and service quality. Young drivers who have their first violation won't see their rate go up at renewal. Travelers' Rate Lock program holds the premium steady after a first incident. Students maintaining a B average can lower the rate further through the good student discount. A full overview of Travelers' coverage and ratings is at its Travelers car insurance review.

Cheapest Car Insurance for Seniors in Delaware

Travelers is the cheapest senior option in Delaware at $90 a month for full coverage, just $6 more than what a standard adult driver pays with a clean record. GEICO is second at $114 a month.

Travelers offers seniors two ways to lower the $90 rate. Completing a defensive driving course qualifies for a discount, and accident forgiveness is available as an add-on so a first at-fault accident won't raise the rate. Low-mileage seniors can also enroll in Travelers' IntelliDrive program, which tracks mileage and driving behavior and adjusts the rate at renewal. Check your score before the monitoring period ends, since poor driving results can raise the rate instead.

Travelers
$90
4.28/5
GEICO
$114
3.65/5
Nationwide
$134
3.60/5
Farmers
$138
3.40/5
State Farm
$139
3.80/5

Cheapest Car Insurance in Delaware by City

Travelers is the cheapest option across all 18 Delaware cities. Wilmington drivers pay $53 a month, the highest rate in the state. Lewes and Milton, two small coastal towns in Sussex County, come in at $36 a month, the lowest in the state. That $17 gap has a clear driver. Wilmington has one of the highest motor vehicle theft rates in the nation. Residents face a 1-in-142 chance of having a vehicle stolen, and denser traffic adds to the accident frequency.

Lewes and Milton carry far lower claim exposure with smaller populations and limited congestion. Always quote for your specific address rather than the statewide average. Rates can shift by ZIP code even within the same city.

Lewes
Travelers
$36
Milton
Travelers
$36
Middletown
Travelers
$38
Bear
Travelers
$40
Smyrna
Travelers
$40
Newark
Travelers
$41
Dover
Travelers
$42
Georgetown
Travelers
$43
Milford
Travelers
$43
Harrington
Travelers
$44
Seaford
Travelers
$44
Elsmere
Travelers
$46
New Castle
Travelers
$47
Claymont
Travelers
$47
Edgemoor
Travelers
$48
Brookhaven
Travelers
$49
Pike Creek Valley
Travelers
$50
Wilmington
Travelers
$53

Cheapest Car Insurance for High Risk Drivers in Delaware

Travelers is cheapest after a speeding ticket at $86 a month, just $2 above its clean-record rate, and after an at-fault accident at $109 a month. For DUI and texting while driving violations, State Farm is cheapest at $147 a month for both. For poor credit, GEICO is cheapest at $193 a month. Delaware prohibits companies from using credit at renewal to raise your rate. The $82 difference between GEICO's poor-credit rate and its good-credit rate of $111 applies only when shopping for a new policy, not at renewal.

Speeding Ticket
Travelers
$86
4.28/5
At-Fault Accident
Travelers
$109
4.28/5
DUI
State Farm
$147
3.80/5
Texting While Driving
State Farm
$147
3.80/5

How to Get Cheaper Car Insurance in Delaware

Which carrier you pick matters more than which coverage level you choose in Delaware. Switching from Nationwide to Travelers for full coverage saves $62 a month. Dropping from full to minimum coverage saves $33 a month. Both are worth looking at, and the six steps below walk through each.

  1. 1
    Compare at least three Delaware insurers and save $62 a month

    Travelers charges $84 a month for full coverage. Nationwide charges $146. Getting quotes from at least three carriers before renewing costs nothing and captures that full range. Rates shift at every renewal, so don't assume last year's cheapest carrier is still cheapest today.

  2. 2
    Match your coverage level to your vehicle's value and save $33 a month

    The extra cost of full coverage over minimum in Delaware is $33 a month, or $396 a year. If your car is worth less than $4,000, that $396 annual cost exceeds 10% of the car's value, the standard threshold at which full coverage stops making financial sense. Use the Delaware car insurance calculator to check your own numbers.

  3. 3
    Bundle home and auto and lower your combined premium

    Most carriers apply a discount when you combine home and auto coverage under one policy. Ask your insurer for a combined quote before renewing either policy on its own.

  4. 4
    Get new quotes when your violation ages off and recover up to $25 a month

    Travelers is cheapest after an at-fault accident at $109 a month, $25 above its clean-record rate. When the surcharge window closes, get new quotes rather than waiting for your insurer to adjust the rate automatically. Delaware's surcharge window for at-fault accidents varies by carrier, so check your renewal paperwork to confirm when your carrier's surcharge period ends.

  5. 5
    Improve your credit score before applying for a new policy and recover $82 a month

    GEICO charges $193 a month for poor credit and $111 for good credit, an $82 difference for the same driver. Delaware prohibits carriers from using credit at renewal to raise your rate unless you request it, so that saving applies when you switch to a new policy after your score improves. Once your credit score moves into the good range, get new quotes at GEICO or Travelers.

  6. 6
    Use a telematics discount if you drive safely

    Two of Delaware's cheapest carriers offer telematics programs that track your driving and can lower your rate at renewal. Both can also raise your rate if your driving scores poorly during the monitoring period.

    • Travelers: IntelliDrive tracks driving behavior for 90 days. Safe drivers get a lower rate at renewal. Poor driving during the monitoring period can raise the rate.
    • GEICO: DriveEasy tracks driving behavior continuously. Safe driving lowers your rate at renewal. Poor driving can raise it.

MoneyGeek analyzed car insurance rates for Delaware using data from Quadrant Information Services, collected from state insurance filing records across all residential ZIP codes in Delaware. Carriers are required to file rates with the Delaware Department of Insurance before charging them. These are filed rates, not estimates or online quote approximations.

The baseline driver profile is a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit and 12,000 annual miles. Full coverage is 100/300/100 liability with a $1,000 deductible. Minimum coverage is Delaware's required 25/50/10 liability plus mandatory personal injury protection of $15,000 per person and $30,000 per accident. Profile variations include young drivers ages 16 to 25 on individual policies, a senior driver at age 70, violation profiles (one variable changed at a time) and a poor-credit profile. USAA is excluded from all tables. It is available only to military members, veterans and immediate family. Eligible drivers should include USAA in any quote comparison.

Gender is a permitted rating factor in Delaware. Teen and young adult rate data on this page reflect gender-based ratings. Delaware permits credit scoring for new policies but prohibits carriers from using credit at renewal to raise rates unless the consumer specifically requests it. Delaware requires SR-22 filings after DUI convictions, maintained for three years from the date of license reinstatement. USAA is excluded from all tables.

MoneyGeek scores carriers on three factors: affordability (60% of score, normalized rates across all carriers within each driver profile), customer experience (30%, based on J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings) and coverage options (10%, based on the breadth of available add-ons and included benefits).

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

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 produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

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

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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