Cheapest Auto Insurance Quotes in Delaware (2024)
State Farm has the cheapest full coverage car insurance in Delaware at $137 per month.
Find Cheap Auto Insurance Quotes in Delaware
Best cheap car insurance companies in Delaware
How we chose the top companies
Best and cheapest car insurance in Delaware
- Cheapest full coverage: State Farm, $137/mo
- Cheapest minimum liability: Travelers, $72/mo
- Cheapest for young drivers: State Farm, $248/mo
- Cheapest after a ticket: State Farm, $150/mo
- Cheapest after an accident: Travelers, $157/mo
- Cheapest for teens a after ticket: State Farm, $275/mo
- Cheapest after a DUI: Progressive, $263/mo
- Cheapest for poor credit: Nationwide, $280/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm and Travelers both have cheaper rates than average. However, State Farm has much better customer service. That means State Farm will probably get your life back to normal faster after a crash.
Cheapest car insurance in Delaware: State Farm
The average cost of car insurance in Delaware is $207 per month for full coverage, which is 25% more expensive than the national average.
State Farm offers the cheapest full coverage quotes in Delaware at $137 per month, on average.
That's 34% cheaper than average and 9% less than the second-cheapest company, Travelers.
Find Cheap Auto Insurance Quotes in Delaware
Best cheap full coverage quotes in Delaware
Company | Monthly rate | |
|---|---|---|
| State Farm | $137 |
| Travelers | $150 |
| Nationwide | $210 |
| Progressive | $212 |
| Geico | $248 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Delaware: Travelers and State Farm
Travelers and State Farm have the cheapest Delaware car insurance rates for liability only auto insurance.
At $72 per month, minimum coverage from Travelers is 33% cheaper than the state average. A policy from State Farm costs just $6 more per year.
However, State Farm has much better reviews for customer service. So, it may be worthwhile to spend less than $1 more per month for coverage from State Farm.
Cheapest Delaware car insurance companies for minimum coverage
Company | Monthly rate |
|---|---|
| Travelers | $72 |
| State Farm | $72 |
| Geico | $112 |
| Nationwide | $116 |
| Progressive | $123 |
*USAA is only available to current and former military members and their families.
Military members, veterans and their families can get even cheaper rates from USAA. At $63 per month, USAA's average rate is $9 per month less than Travelers, and it includes some military-specific coverage and perks.
Find Cheap Auto Insurance Quotes in Delaware
Cheapest Delaware car insurance quotes for teens: State Farm
State Farm has the most affordable minimum and full coverage quotes for teen drivers in Delaware.
Minimum coverage from State Farm costs $248 per month for an 18-year-old in Delaware, which is 40% cheaper than average.
In addition, State Farm charges Delaware teens around $436 per month for full coverage. That's only half as much as most teens pay for full coverage across the state.
Best insurance companies in Delaware for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $248 | $436 |
| Geico | $273 | $563 |
| Nationwide | $462 | $862 |
| Progressive | $489 | $1,080 |
| Travelers | $631 | $1,404 |
Teen drivers in Delaware pay an average of $413 per month for minimum coverage auto insurance. That's $306 more per month than 30-year-old drivers pay for the same insurance.
Young drivers have less experience behind the wheel, so they tend to get into more accidents than older drivers. That makes them more expensive to insure.
The best way for teen drivers to get more affordable car insurance quotes is by sharing a policy with their parents.
Cheapest Delaware car insurance after a ticket: State Farm
State Farm has the cheapest rates for Delaware drivers with a speeding ticket. At $150 per month, full coverage from State Farm is 40% less than the state average.
Cheap car insurance in Delaware after speeding
Company | Monthly rate |
|---|---|
| State Farm | $150 |
| Travelers | $209 |
| Nationwide | $257 |
| Progressive | $268 |
| Geico | $289 |
Full coverage rates in Delaware go up by an average of 20% after a single speeding ticket.
Cheap quotes after an accident in DE: Travelers
Travelers offers the best rates for Delaware drivers with an at-fault accident on their record. Full coverage from Travelers costs just $157 per month after an accident, which is 46% less than average.
Delaware drivers should also compare quotes from State Farm after an accident. At $163 per month, full coverage from State Farm is slightly more expensive than Travelers.
Cheapest Delaware automobile insurance after accidents
Company | Monthly rate |
|---|---|
| Travelers | $157 |
| State Farm | $163 |
| Progressive | $272 |
| Nationwide | $316 |
| Geico | $396 |
In Delaware, average rates increase by 40% after you cause an accident. Insurance companies raise auto insurance rates after an at-fault accident because drivers who cause a crash are more likely to be in another accident in the future.
Cheapest for teens with a ticket or accident: State Farm
State Farm has the most affordable quotes for young drivers in Delaware with a speeding ticket or accident on their record.
Minimum coverage from State Farm costs around $275 per month for 18-year-olds with a recent speeding ticket. That's 45% cheaper than the Delaware average. Teens who have recently caused an accident can expect to pay around $303 per month for minimum coverage from State Farm, 40% less than the state average.
Cheap minimum coverage quotes for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| State Farm | $275 | $303 |
| Geico | $306 | $402 |
| Nationwide | $493 | $503 |
| Progressive | $531 | $603 |
| Allstate | $743 | $955 |
Average car insurance rates for Delaware teens go up by 20% after a speeding ticket and 23% after an accident. Insurance companies believe these drivers are more likely to cause an accident in the future, which makes them more expensive to insure.
Affordable quotes after a DUI in Delaware: Progressive
Progressive has the cheapest quotes for Delaware drivers with a DUI on their record. At $263 per month, a full coverage policy from Progressive is 31% cheaper than average after a DUI.
Travelers is another good option for people with a DUI on their record. Full coverage from Travelers costs around $264 per month for these drivers, only slightly more expensive than Progressive.
Most affordable Delaware DUI car insurance
Company | Monthly rate |
|---|---|
| Progressive | $263 |
| Travelers | $264 |
| Nationwide | $409 |
| Allstate | $447 |
| Geico | $465 |
Driving under the influence (DUI) causes average car insurance rates to increase more than any other offense. Auto insurance rates in Delaware increase by 83% after a DUI.
Cheapest quotes for drivers with poor credit: Nationwide
Nationwide has the best rates for Delaware drivers with a low credit score. A full coverage policy from Nationwide costs $280 per month for Delaware drivers with bad credit. That's 21% cheaper than the state average, which is $352 per month.
Best Delaware car insurance for poor credit
Company | Monthly rate |
|---|---|
| Nationwide | $280 |
| Travelers | $303 |
| Progressive | $345 |
| State Farm | $359 |
| Geico | $374 |
Your credit score doesn't have anything to do with your ability to drive a car, but it can affect your car insurance quotes in most states, including Delaware. That's because insurance companies believe drivers with poor credit are more likely to make a claim in the future.
Auto insurance for Delaware drivers with poor credit is 70% more expensive than insurance for drivers with good credit.
Best auto insurance companies in Delaware
USAA and State Farm are the best insurance companies for most Delaware drivers.
Among Delaware insurance companies, USAA has the best customer service reviews. However, USAA is only available to current and former members of the military and their families.
State Farm also has excellent customer service scores and the cheapest rates for many Delaware drivers. That makes it the best option for those who aren’t eligible for USAA.
Best car insurance in Delaware
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ | |
| Travelers | 829 | A++ |
When you're shopping for car insurance quotes, choosing a dependable company is as important as finding the lowest rate.
Great customer service can make your life much easier after an accident by paying your claim quickly so you can get back on the road. On the other hand, poor customer service can lead to higher repair bills and more work on your end.
Car insurance costs in Delaware by city
Ocean View has the cheapest average rate for full coverage car insurance, at $169 per month.
Meanwhile, drivers in Elsmere, a Wilmington suburb, have the highest quotes, at $256 per month.
Average cost of car insurance in Delaware by city
City | Monthly Rate | % from average |
|---|---|---|
| Arden | $220 | 6% |
| Bear | $237 | 15% |
| Bellefonte | $233 | 13% |
| Bethany Beach | $170 | -18% |
| Bethel | $180 | -13% |
Your location within Delaware will affect what you'll pay for car insurance. For example, if you live in a densely populated area, you're more likely to have an accident or auto theft. Car insurance companies usually increase your rates to account for this risk.
Minimum insurance requirements in Delaware
Minimum coverage in Delaware includes three types of coverage. Bodily injury and property damage liability coverage will pay for injuries and damage you cause in an accident. Personal injury protection (PIP) pays for your own injuries and lost wages while you recover after a crash.
If you're a Delaware driver, your policy must have a minimum amount of each of these coverage types.
- Bodily injury (BI): $25,000 per person and $50,000 per accident
- Property damage (PD): $10,000 per accident
- Personal injury protection (PIP): $15,000 per person and $30,000 per accident
What's the best car insurance coverage for Delaware drivers?
Buying minimum coverage is the cheapest way to make sure you're covered. However, you get what you pay for.
In Delaware, a minimum coverage policy only pays for other people's injuries or damage you cause to other cars or property.
It doesn't include damage to your car, which means you have to pay for your own car repairs if you cause an accident. In addition, the liability limits that come with minimum coverage insurance may not be enough to cover the cost of a serious accident.
Full coverage car insurance in Delaware costs an average of $100 more per month than minimum coverage.
Unlike minimum coverage, full coverage insurance will pay to repair or replace your car if it's stolen or damaged in an accident you cause. It also includes higher liability limits, which can help you avoid an expensive bill if you cause a major accident.
For those reasons, the extra cost of full coverage insurance is worth it for many Delaware drivers. This is especially true if your car is less than five years old or worth more than $5,000.
That's why most drivers should get a full coverage auto insurance policy rather than a minimum coverage policy.
Frequently asked questions
Who has the cheapest car insurance in Delaware?
State Farm offers the cheapest full coverage auto insurance rates in Delaware at $137 per month. The cheapest minimum coverage comes from Travelers, where a policy costs $72 per month.
How much is car insurance in Delaware?
Minimum coverage insurance in Delaware costs $107 per month, while a full coverage policy costs $207 per month.
Is car insurance cheaper in Delaware?
Delaware is 25% more expensive than the national average for full coverage car insurance. This is likely because of its high population density and the fact that personal injury protection (PIP) coverage is required by state law.
Methodology
We collected thousands of quotes from ZIP codes across Delaware for the state's largest insurance companies. Rates are for a 30-year-old man driving a 2015 Honda Civic EX with good credit.
Quotes are for full coverage with collision and comprehensive coverage and higher liability limits than the state minimum requirements.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection: $15,000 per person and $30,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.