Best Cheap Auto Insurance Quotes in Delaware (2023)
Best Cheap Auto Insurance Quotes in Delaware (2023)
State Farm has the best cheap car insurance in Delaware, at only $51 per month on average for minimum coverage.
Best cheap car insurance in Delaware
To help drivers find the best cheap car insurance in Delaware, our editorial team collected quotes from top auto insurance companies across each ZIP code in the state. Quotes for minimum coverage meet Delaware's state minimum requirements of:
- $25,000 in bodily injury liability coverage per person/$50,000 per accident
- $15,000 in personal injury protection (PIP) per person/$30,000 per accident
- $10,000 in property damage liability insurance
Full coverage quotes include comprehensive and collision coverage, in addition to higher liability limits than the state minimums.
Additionally, we rated Delaware's best car insurance companies based on customer service, convenience, affordability for different drivers and coverage availability.
Cheapest car insurance quotes in Delaware: State Farm
State Farm has the most affordable quotes for minimum coverage auto insurance in Delaware. At $51 per month, State Farm's rate is 39% cheaper than the state average.
The average cost of car insurance in Delaware is $84 per month for minimum coverage.
Find Cheap Auto Insurance Quotes in Delaware
Active military members, veterans and their families can also get cheap rates from USAA. At $58 per month, USAA's average rate is only $7 more than State Farm's, with some military-specific coverage and perks.
Average rates in Delaware fluctuate by nearly $1,000 per year for a minimum coverage policy. The best way to get the cheapest quotes in Delaware is to shop around and get rates from multiple companies.
Cheapest Delaware car insurance companies
Company | Monthly rate | |
|---|---|---|
| State Farm | $51 |
| Travelers | $71 |
| Geico | $81 |
| Progressive | $91 |
| Nationwide | $100 |
USAA is only available to current and former military members and their families.
Purchasing 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 injuries or damage to the other driver's car or property after an accident. It does not include repairing damage to your car.
Waiving this protection makes minimum coverage insurance the cheapest type of auto insurance available, but it also means you have to pay for your own car repairs after an at-fault accident.
That's why we recommend that most drivers purchase a full coverage auto insurance policy rather than a minimum coverage policy.
Cheapest full coverage car insurance: State Farm
State Farm offers the cheapest quotes for full coverage policies, charging $94 per month, or $1,123 a year, which is around 45% cheaper than the Delaware state average. Unless you are affiliated with the military and qualify for coverage from USAA, State Farm is likely your best bet for affordable full coverage car insurance.
Full coverage auto insurance in Delaware costs $2,053 per year, or $171 per month, on average.
Company | Monthly rate |
|---|---|
| State Farm | $94 |
| Travelers | $148 |
| Progressive | $175 |
| Nationwide | $186 |
| Geico | $187 |
| Allstate | $271 |
| USAA | $137 |
USAA is only available to current and former military members and their families.
Cheap car insurance quotes for Delaware drivers with prior incidents
Insurance companies personalize your quotes based on a number of factors, including your driving history and your credit score. Incidents in your driving history, such as citations for traffic violations or DUIs, usually cause your rates to go up.
Find Cheap Auto Insurance Quotes in Delaware
Cheapest Delaware car insurance with a ticket: State Farm
State Farm has the cheapest rate for drivers with a speeding ticket — at $1,230 per year, it's less than half the state average of $2,519 annually. Full coverage insurance for Delaware drivers who have a speeding ticket on their record is 23% more expensive than full coverage insurance for drivers with a clean record.
Company | Monthly rate |
|---|---|
| State Farm | $103 |
| Geico | $217 |
| Travelers | $221 |
| Progressive | $225 |
| Nationwide | $226 |
USAA is only available to current and former military members and their families.
Cheapest car insurance after an accident: State Farm
State Farm offers the best rates for drivers who have an at-fault accident on their record. While the average cost of car insurance after an at-fault accident is $2,800 per year, State Farm offers Delaware drivers full coverage insurance for just $1,338 annually — 52% less than the average insurer.
Insurers raise auto insurance premiums after an at-fault accident because drivers with a recent accident pose a higher risk than drivers with a clean record. In Delaware, average rates increase by 36% after an at-fault accident.
Cheapest Delaware car insurance after accidents
Company | Monthly rate |
|---|---|
| State Farm | $111 |
| Travelers | $155 |
| Progressive | $229 |
| Nationwide | $277 |
| Geico | $297 |
USAA is only available to current and former military members and their families.
Cheapest car insurance quotes after a DUI: Progressive
Progressive has the cheapest full coverage quotes for Delaware drivers with a DUI on their record, with rates 33% cheaper than the state average.
Driving under the influence (DUI) causes average car insurance rates to increase more than any other offense. Auto rates in Delaware increase by 91% after a DUI.
Company | Monthly rate |
|---|---|
| Progressive | $221 |
| Travelers | $268 |
| Geico | $346 |
| Nationwide | $357 |
| Allstate | $361 |
USAA is only available to current and former military members and their families.
Cheapest Delaware insurance for drivers with poor credit: Nationwide
Nationwide offers the best rates for Delaware drivers with a low credit score. The state average is $3,575 annually, but Nationwide’s rate is $514 cheaper at $3,061 per year for full coverage.
Your credit score might not have anything to do with your ability to drive a car, but it can certainly impact your car insurance quotes in most states, including Delaware. Auto insurance for Delaware drivers with poor credit is 74% more expensive than insurance for drivers with good credit.
Cheapest Delaware car insurance for poor credit
Company | Monthly rate |
|---|---|
| Nationwide | $255 |
| Geico | $279 |
| State Farm | $292 |
| Progressive | $294 |
| Travelers | $313 |
USAA is only available to current and former military members and their families.
Cheapest Delaware car insurance quotes for young drivers: State Farm
If you're a teen driver shopping for affordable minimum coverage car insurance, start your search with State Farm. State Farm’s average rate is nearly half the cost of the state average, at only $177 per month.
Teen drivers in Delaware pay an average of $341 a month for minimum coverage auto insurance. That's $257 more per month than 30-year-old drivers pay for the same insurance.
Drivers who are 18 years old statistically get into more accidents than older drivers, making them riskier — and more expensive — to insure. The good news is that rates gradually decrease as you get older, if you maintain a clean driving record, until you reach about age 60.
Cheapest Delaware car insurance for teens
Company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $177 | $295 |
| Geico | $190 | $419 |
| Nationwide | $390 | $749 |
| Progressive | $436 | $960 |
| Allstate | $445 | $1,044 |
USAA is only available to current and former military members and their families.
Cheapest insurance for young drivers with a ticket: State Farm
Teen drivers in Delaware can expect their car insurance rates to go up by about 22% after a speeding ticket. State Farm offers the most affordable minimum coverage rate for 18-year-old drivers at $197 a month — 53% less than average.
Company | Monthly rate |
|---|---|
| State Farm | $197 |
| Geico | $213 |
| Nationwide | $415 |
| Progressive | $475 |
| Allstate | $507 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for teen drivers after an accident: State Farm
State Farm has the best minimum coverage rates for young drivers with an accident. At around $216 per month, its average rate is 47% cheaper than the state average.
The average car insurance rate goes up by 33% after an 18-year-old driver gets into an at-fault accident, from $341 per month to $452.
Company | Monthly rate |
|---|---|
| State Farm | $216 |
| Geico | $278 |
| Nationwide | $423 |
| Progressive | $543 |
| Allstate | $605 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for married drivers: State Farm
State Farm has the cheapest insurance for married drivers at around $94 per month on average for full coverage, around 44% cheaper than other car insurance companies.
Married drivers in Delaware save an average of 3% on car insurance because they're statistically less likely to make insurance claims.
Company | Monthly rate per car |
|---|---|
| State Farm | $94 |
| Travelers | $141 |
| Progressive | $148 |
| Nationwide | $170 |
| Geico | $218 |
USAA is only available to current and former military members and their families.
Best car insurance companies in Delaware
USAA, State Farm and Geico are the best auto insurance companies for most Delaware drivers.
When you're shopping for car insurance quotes, choosing a dependable insurer is as important as finding the lowest rate. Among Delaware insurance companies, USAA has the best customer service score and financial strength rating. However, USAA is only available to current and former members of the military and their families.
State Farm and Geico also maintain exemplary customer service scores, making both insurers excellent options for those not eligible for USAA. All three companies also offer some of the cheapest rates in Delaware for most drivers.
Best Delaware car insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ | |
| Travelers | 829 | A++ | |
| Allstate | 824 | A+ | |
| Progressive | 819 | A+ | |
| USAA | 881 | A++ |
USAA is only available to current and former military members and their families.
Car insurance costs in Delaware by city
Ocean View has the cheapest average rate for full coverage car insurance, at $140 monthly. Drivers in Yorklyn have the highest quotes, with an average of $251 per month.
Your location within Delaware impacts what you'll pay for auto insurance. If you live in a densely populated area, you're more likely to experience an accident or auto theft, and car insurance companies usually increase your rates to account for this risk.
City | Average monthly cost | Percentage difference from average |
|---|---|---|
| Arden | $182 | 6% |
| Bear | $195 | 14% |
| Bellefonte | $195 | 14% |
| Bethany Beach | $142 | -17% |
| Bethel | $149 | -13% |
Is car insurance higher in Delaware compared to the rest of the country?
Delaware is around 15% more expensive than the national average for car insurance, due to its high population density and the fact that personal injury protection (PIP) is required..
Minimum insurance requirements in Delaware
Minimum coverage in Delaware includes bodily injury liability coverage, which pays for the other driver's injuries; property damage liability coverage, which pays for the other driver's repairs; and personal injury protection, which covers your own injuries.
If you're a Delaware driver, your policy must have at least bodily injury coverage of $25,000 per person and $50,000 per accident, personal injury protection of $15,000 per person and $30,000 per accident and property damage coverage of $10,000.
Coverage type | Minimum coverage |
|---|---|
| Bodily injury (BI) | $25,000 per person/$50,000 per accident |
| Property damage (PD) | $10,000 per accident |
| Personal injury protection (PIP) | $15,000 per person/$30,000 per accident |
Recap of the cheapest car insurance quotes in Delaware
- Minimum coverage: State Farm
- Full coverage: State Farm
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: Progressive
- Poor credit history: Nationwide
- Young drivers: State Farm
- Young drivers after a ticket: State Farm
- Young drivers after an accident: State Farm
- Married drivers: State Farm
Frequently asked questions
What is the penalty for driving without insurance in Delaware?
Delaware drivers caught without insurance can expect to receive a $1,500 fine for their first offense, along with a six-month suspension of their driver's license. The fine increases to $3,000 for future offenses, and drivers may also have their vehicle registration suspended.
How much is car insurance in Delaware?
Minimum coverage insurance in Delaware costs $84 per month, while a full coverage policy costs $171 per month.
Is Delaware a no-fault state?
Delaware is not a no-fault state. That means that Delaware drivers who cause an accident will have to pay for any damage they cause.
Who has the cheapest car insurance in Delaware?
State Farm offers the cheapest auto insurance rates in Delaware — a minimum coverage policy costs $51 per month, and a full coverage policy costs $94 per month.
Methodology
We collected thousands of quotes from ZIP codes across Delaware for the state's largest insurers. Rates are based on a 30-year-old man driving a 2015 Honda Civic EX with good credit.
The base policy for the study was a full coverage policy with collision and comprehensive coverage and higher liability limits than the state minimum requirements.
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) | $15,000 per person/$30,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum coverage policy, we were quoted rates for a policy with the minimum required limits in Delaware.
For other rates analyses (credit score, accident history and marital status), the base policy listed above was changed to reflect the driver. Young driver quotes include state minimum coverage unless otherwise noted.
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.