Best Cheap Auto Insurance Quotes in Delaware (2022)
Best Cheap Auto Insurance Quotes in Delaware (2022)
State Farm has the best cheap car insurance in Delaware, at $738 per year and $62 per month for minimum liability coverage.
We found that average rates for our profiled drivers fluctuated by nearly $900 for a minimum coverage policy. The best way to get the cheapest quotes in Delaware is to get rates from multiple companies.
Cheapest car insurance quotes in Delaware: State Farm
State Farm has the most affordable quotes for minimum coverage auto insurance in Delaware. At $738 per year, State Farm's rate is 33% cheaper than the state average.
The average cost of car insurance in Delaware is $1,153 per year, or $96 per month, for minimum liability.
Find Cheap Auto Insurance Quotes in Delaware
Active service members, veterans and their families can lock in even cheaper rates from USAA. At $297, USAA's average annual rate is $441 less than State Farm's.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $738 | $62 |
| Geico | $1,090 | $91 |
| Nationwide | $1,347 | $112 |
| Progressive | $1,473 | $123 |
| Allstate | $1,623 | $135 |
| USAA* | $297 | $25 |
*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 on the roads. However, you get what you pay for: In Delaware, a minimum coverage policy only pays for injuries resulting from the accident or damage to the other driver's car or property. It does not include protection for damage to your vehicle. Waiving this protection makes minimum coverage insurance the cheapest type of auto insurance available.
For this reason, we recommend purchasing 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 as well, charging $1,312 a year, or $109 a month. That's 43% cheaper than the 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 $2,302 per year, or $192 per month, on average.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,312 | $109 |
| Geico | $2,303 | $192 |
| Nationwide | $2,445 | $204 |
| Progressive | $2,573 | $214 |
| Allstate | $3,435 | $286 |
| USAA* | $1,748 | $146 |
*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, can cause your rates to go up.
Find Cheap Auto Insurance Quotes in Delaware
Cheapest car insurance after a ticket: State Farm
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. State Farm has the cheapest rates for drivers with a speeding ticket — the company's premiums are 47% lower than the average, which is $2,747.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,442 | $120 |
| Geico | $2,671 | $223 |
| Nationwide | $2,944 | $245 |
| Progressive | $3,324 | $277 |
| Allstate | $3,838 | $320 |
| USAA* | $2,261 | $188 |
*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 $3,234 a year, State Farm offers Delaware drivers full coverage insurance for just $1,570 annually — 51% 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 44% after an at-fault accident.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,570 | $131 |
| Progressive | $3,381 | $282 |
| Nationwide | $3,583 | $299 |
| Geico | $3,697 | $308 |
| Allstate | $5,422 | $452 |
| USAA | $1,748 | $146 |
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. Not only are Progressive's rates 25% more affordable than the state average, but the company treats a DUI from a Delaware driver the same way it treats a speeding ticket, charging the same amount for both offenses.
Driving under the influence (DUI) causes average car insurance rates to increase more than any other offense. We found that auto rates in Delaware increase by 93% after a DUI.
Company | Annual rate | Monthly rate |
|---|---|---|
| Progressive | $3,253 | $271 |
| Geico | $4,317 | $360 |
| Nationwide | $4,583 | $382 |
| Allstate | $4,620 | $385 |
| State Farm | $6,003 | $500 |
| USAA* | $3,193 | $266 |
*USAA is only available to current and former military members and their families.
Cheapest insurance quotes for drivers with poor credit: Geico
Geico offers the best rates for Delaware drivers with a low credit score. The state average is $3,446 annually, but Geico's rate is $484 cheaper at $2,962 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. ValuePenguin's rate analysis found that auto insurance for Delaware drivers with poor credit is 54% more expensive than for drivers with average credit.
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $2,962 | $247 |
| Nationwide | $2,980 | $248 |
| State Farm | $3,405 | $284 |
| Progressive | $3,612 | $301 |
| Allstate | $4,856 | $405 |
| USAA | $2,864 | $239 |
USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for young drivers: State Farm
If you're a young driver shopping for affordable minimum coverage car insurance, we recommend starting your search with State Farm. The rate from State Farm is $2,541 annually, 34% cheaper than the average for young drivers.
Young drivers in Delaware pay an average of $3,820 a year — or $318 a month — for minimum coverage auto insurance. That's $2,667 more per year than older drivers pay.
Drivers who are 18 years old get into more accidents than older drivers do, making them riskier — and more costly — to insure. The good news is that rates gradually decrease as you get older, provided you maintain a clean driving record, until you reach about age 60.
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $2,541 | $4,218 |
| Geico | $2,566 | $5,208 |
| Allstate | $4,848 | $12,242 |
| Nationwide | $4,975 | $9,439 |
| Progressive | $6,233 | $11,486 |
| USAA | $1,758 | $3,494 |
USAA is only available to current and former military members and their families.
Cheapest insurance for young drivers with a ticket: State Farm
Young drivers in Delaware can expect their car insurance rates to go up by about 11% after a speeding ticket. State Farm offers the most affordable minimum coverage rate for these drivers at just $2,823 a year and $235 a month — 26% less than average.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $2,823 | $235 |
| Geico | $2,866 | $239 |
| Nationwide | $5,294 | $441 |
| Allstate | $5,519 | $460 |
| Progressive | $6,819 | $568 |
| USAA* | $2,028 | $169 |
*USAA is only available to current and former military members and their families.
Cheapest insurance for teen drivers after an accident: State Farm
State Farm has the best minimum coverage rates for young drivers with an accident. The average annual premium is $3,106, which is 34% lower than the state average.
Young Delaware drivers already pay expensive rates for auto insurance, but an accident will cause them to increase even more. The average rate goes up by 24% after an 18-year-old driver gets into an at-fault accident, from $3,820 to $4,730.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $3,106 | $259 |
| Geico | $3,759 | $313 |
| Nationwide | $5,401 | $450 |
| Allstate | $6,577 | $548 |
| Progressive | $7,780 | $648 |
| USAA* | $1,758 | $146 |
*USAA is only available to current and former military members and their families.
Best car insurance companies in Delaware
When you're shopping for car insurance quotes, choosing a dependable insurer is as important as finding the lowest rate. Among Delaware insurers, 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 coverage from USAA.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| State Farm | 852 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 823 | A+ | |
| Progressive | 834 | A+ | |
| Allstate | 830 | A+ | |
| USAA* | 896 | A++ |
*USAA is only available to current and former military members and their families.
Car insurance costs in Delaware by city
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 insurers usually increase your rates to account for this risk.
Frankford boasts the cheapest annual rate for full coverage, with residents paying $1,762 annually. Drivers in Wilmington Manor have the highest annual quotes, at $2,819 per year.
City | Average annual cost | Difference from average |
|---|---|---|
| Arden | $2,508 | 12% |
| Bear | $2,483 | 11% |
| Bellefonte | $2,653 | 18% |
| Bethany Beach | $1,927 | -14% |
| Bethel | $2,019 | -10% |
Is car insurance higher in Delaware compared to the rest of the country?
Delaware is one of the most expensive states for car insurance due to its high population density and the fact that personal injury protection (PIP) is required. Compared to other states in the country, Delaware has the fourth most expensive average rate for a minimum coverage policy, at $1,153 per year.
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 meet or exceed the following limits for these three coverages:
Liability | 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: Geico
- Married drivers: State Farm
- Young drivers: State Farm
- Young drivers after a speeding ticket: State Farm
- Young drivers after an accident: 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 subsequent offenses, and drivers may also have their vehicle registration suspended.
How much is car insurance in Delaware?
Minimum liability insurance in Delaware costs $96 per month, or $1,153 per year, on average. A full-coverage policy costs $192 per month, or $2,302 per year.
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 $738 per year, and a full-coverage policy costs $1,312 per year.
Methodology
We collected thousands of quotes from ZIP codes across Delaware for six of the state's largest insurers. Rates are based on a 30-year-old male driving a 2015 Honda Civic EX with average credit.
The base policy for the study was a full coverage policy with the following limits:
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) | $10,000 |
| 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 altered to reflect the driver. Young driver quotes were obtained using a minimum coverage policy.
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.