Cheap Car Insurance in Delaware (2024)
- State Farm has the cheapest full-coverage car insurance
- Travelers has the lowest rates for minimum auto insurance
- Progressive has the cheapest rates for drivers with a DUI
Cheapest full-coverage car insurance in Delaware: State Farm
State Farm has the cheapest full-coverage car insurance for Delaware drivers, at an average of $1,640 a year, or about $137 a month.
Travelers is the next cheapest option at $1,805 a year.
Cheapest companies for full-coverage car insurance
| Company | Average annual rate |
|---|---|
| State Farm | $1,640 |
| Travelers | $1,805 |
| Nationwide | $2,525 |
| Progressive | $2,543 |
| Geico | $2,976 |
| Allstate | $4,063 |
| USAA* | $1,823 |
*USAA only available to active duty and veteran military, and their families.
Full-coverage car insurance usually is a mix of liability car insurance, collision and comprehensive coverage.
Collision coverage takes care of damages to your own car after a covered accident. Comprehensive coverage handles non-collision damage, such as ice falling on your windshield. It also covers car theft and vandalism. (See our guide to car insurance types for more info.)
Delaware law doesn’t require drivers to carry full-coverage car insurance. But if you financed or leased your car, your lender will probably require full coverage for the duration of your loan or lease agreement.
Full-coverage car insurance costs more than a standard liability car insurance policy, but it can be worth it, especially if you own a new car. Liability car insurance does nothing to cover your own damages after an accident.
Cheapest liability car insurance in Delaware: Travelers
Travelers has the cheapest average rates for most drivers in Delaware who need liability car insurance, with an average rate of $858 a year, or close to $72 a month.
State Farm is not far behind, at $864 a year.
USAA has the overall lowest rate for liability car insurance in Delaware, at $760 a year. However, USAA insurance only provides car insurance for military personnel and their families.
Cheapest companies for liability car insurance
| Company | Average annual rate |
|---|---|
| Travelers | $858 |
| State Farm | $864 |
| Geico | $1,338 |
| Nationwide | $1,396 |
| Progressive | $1,473 |
| Allstate | $2,289 |
| USAA* | $760 |
Liability car insurance covers repairs, legal costs and medical expenses of others involved in an accident you’re found responsible for.
Best rates for young drivers in Delaware: State Farm
State Farm has the lowest average cheapest car insurance for teens in Delaware, at $2,972 a year. Geico is the next cheapest choice at $3,276 a year.
Cheapest liability car insurance companies for teen drivers
| Company | Average annual rate |
|---|---|
| State Farm | $2,972 |
| Geico | $3,276 |
| Nationwide | $5,547 |
| Progressive | $5,867 |
| Travelers | $7,577 |
| Allstate | $7,813 |
| USAA* | $1,623 |
Due to their inexperience behind the wheel, teen drivers are considered high risk and pay higher car insurance rates than any other age group.
A good way to lower the cost of auto insurance for a teen driver is to add them to a parent’s current policy. While doing this will raise the parent’s rates, it’s usually still cheaper than paying for two separate policies.
Cheapest rates after a speeding ticket in Delaware: State Farm
State Farm has the cheapest average auto insurance rates for Delaware drivers with a speeding ticket or other similar traffic violation on their record, at $1,799 a year.
Travelers has the next least expensive rate, at $2,509 a year.
Cheapest car insurance companies after a ticket
| Company | Average annual rate |
|---|---|
| State Farm | $1,799 |
| Travelers | $2,509 |
| Nationwide | $3,081 |
| Progressive | $3,211 |
| Geico | $3,470 |
| Allstate | $4,505 |
| USAA* | $2,355 |
Delaware does not have a set time limit for how long a speeding ticket stays on your driving record. Many states have a three- to five-year limit. While the ticket is on your record, you’ll probably pay higher car insurance rates.
Cheapest rates after an accident in Delaware: Travelers
Travelers has the lowest average rates for full-coverage auto insurance after an at-fault accident, at $1,885 a year.
State Farm is the next cheapest, at $1,959 a year.
Cheapest car insurance companies after an accident
| Company | Average annual rate |
|---|---|
| Travelers | $1,885 |
| State Farm | $1,959 |
| Progressive | $3,262 |
| Nationwide | $3,793 |
| Geico | $4,756 |
| Allstate | $6,875 |
| USAA* | $1,823 |
Best rates after a DUI in Delaware: Progressive
Progressive is the cheapest choice for Delaware drivers looking for cheap car insurance with a DUI (driving under the influence) conviction, at an average rate of $3,150 a year.
Travelers is the next cheapest at $3,162 a year.
Cheapest car insurance companies after an DUI
| Company | Average annual rate |
|---|---|
| Progressive | $3,150 |
| Travelers | $3,162 |
| Nationwide | $4,907 |
| Allstate | $5,363 |
| Geico | $5,579 |
| State Farm | $6,387 |
| USAA* | $3,315 |
A DUI in Delaware stays on your driving record for five years. During that time, you will almost definitely see higher car insurance rates.
Car insurance companies consider drivers with a DUI very high risk, and some may deny or cancel your coverage completely if you get one.
Best rates in Delaware for bad credit: Nationwide
Nationwide has the most affordable average rates for Delaware drivers with bad credit, at $3,357 a year. Travelers is close behind, at $3,364 a year.
Cheapest car insurance companies with poor credit
| Company | Average annual rate |
|---|---|
| Nationwide | $3,357 |
| Travelers | $3,634 |
| Progressive | $4,134 |
| State Farm | $4,304 |
| Geico | $4,484 |
| Allstate | $6,424 |
| USAA* | $3,251 |
Bad credit car insurance rates are in place because many auto insurers see a connection between a driver’s credit score and a higher risk of filing a claim. However, some states limit credit-based insurance quotes or even prohibit them completely.
Insurance rates by city in Delaware
Of Delaware’s 25 largest cities, Millsboro pays the cheapest full-coverage car insurance rates at $2,111 a year. Elsemere has the most expensive car insurance quotes in Delaware, at $3,077 a year.
Car insurance rates by city
| City | Average annual rate |
|---|---|
| Bear | $2,845 |
| Brookside | $2,665 |
| Camden | $2,210 |
| Claymont | $2,714 |
| Clayton | $2,345 |
| Dover | $2,261 |
| Edgemoor | $3,033 |
| Elsmere | $3,077 |
| Georgetown | $2,132 |
| Glasgow | $2,806 |
| Hockessin | $2,620 |
| Laurel | $2,157 |
| Middletown | $2,486 |
| Milford | $2,165 |
| Millsboro | $2,111 |
| New Castle | $2,996 |
| Newark | $2,697 |
| North Star | $2,627 |
| Pike Creek | $2,585 |
| Pike Creek Valley | $2,598 |
| Rising Sun-Lebanon | $2,171 |
| Seaford | $2,161 |
| Smyrna | $2,324 |
| Wilmington | $2,943 |
| Wilmington Manor | $3,007 |
Where you live is only one of the factors that affect your car insurance quotes. Other factors include:
- Car’s make and model
- Annual mileage
- Driving record
- Claim history
- Age
Minimum coverage for car insurance in Delaware
Drivers in Delaware must have at least these liability car insurance coverage limits:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $10,000 property damage coverage
- $15,000 personal injury protection (PIP)
While these limits cover Delaware’s legal driving requirements, an accident that results in high hospital bills and court fees can easily exceed them.
Any claim-related costs that exceed your policy limits will need to be paid out of your own pocket. To prevent this, consider raising your policy’s liability limits to what your budget can afford.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver in Delaware. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident if required in that state
- Personal injury protection: Minimum limits if required in that state
- Collision: $500 deductible
- Comprehensive: $500 deductible