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Car Insurance in Delaware

The first of the original 13 U.S. states, the 96-mile-long state of Delaware had a population of 967,171 in 2018, according to the U.S. Census – and most residents there are driving cars.

In Delaware, there are more than 917,000 registered vehicles and more than 712,000 licensed drivers according to the Delaware Department of Motor Vehicles.

Compared to our driver profiles across the country, Delaware driver profiles generally pay lower average rates in our analysis across a number of insurance companies.

USAA is the cheapest car insurance in the nation in 2019 according to our data, with a national average representative rate of $895 for the driver profiles used in our study. In Delaware, the user profiles pay an average of $646 for USAA insurance in our study, making USAA the cheapest in the state according to our survey. 

Due to USAA’s limited membership for military affiliations, it is worth noting Travelers insurance is the second-cheapest in Delaware according to our study, with an average representative rate of $1,044 a year.

For Delaware’s most expensive car insurance company in our study, Allstate, average driver profiles in the study pay $2,333.

Other East Coast states Maine and New Hampshire are the two cheapest states for car insurance in our study, with our customer profiles paying average representative rates of $861 in Maine – the cheapest in the nation – and $897 in New Hampshire.

However, on average it costs $1,439 to insure a car in Delaware, according to our study – but some driver profiles can get insured for as low as $646 at USAA.

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Cheapest Car Insurance Companies in Delaware

  1. USAA: $645.86
  2. Travelers: $1,044.70
  3. Progressive: $1,208.86
  4. Geico: $1,254.75
  5. State Farm: $1,706.16
  6. Nationwide: $1,879.29
  7. Allstate: $2,333.04

The rates shown are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from the nine largest car insurance companies across the nation using certain driver profiles. Individual rates differ.

How We Found the Cheapest Car Insurance in Delaware

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. 

Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35 and 60 who drive 12,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from these average profile rates.

How Much Does Car Insurance Cost in Delaware?

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Delaware is quite affordable when it comes to car insurance costs in our analysis compared to other states, with our average driver profiles paying little more than half the national average. 

Our study found Delaware’s representative rates from the top seven insurance companies range from $577 to $4,826. Among the seven top providers, the average study rate in Delaware is $1,439, according to our study.

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The cheapest study rates in Delaware are from USAA. The lowest cost is $577 for a 60-year-old male driver profile, but it ranges up to $1,755 for a driver profile with poor credit. 

Travelers has the second-lowest study rates, costing $947 for a 60-year-old male profile, ranging up to $1,875 for the profile with a DUI, according to the representative rates in our analysis.

In Delaware, Allstate has the most expensive average car insurance rates in our study. The cheapest Allstate insurance study rate in Delaware is $2,094 for the 60-year-old female profile, but ranges up to $3,641 for the profile with a poor credit score. 

Bear in mind that the rates mentioned in this article are only representative averages, not the exact amount you should expect to pay. A wide range of factors contribute to the premiums charged by car insurance companies.

Delaware Car Insurance Rates by Age

To find out how much car insurance costs in Delaware are affected by age, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included drivers who are women and men with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The profile of a male 25-year-old driver in our study had an average car insurance representative rate in Delaware of $1,643. The study showed female driver profiles who are 25 years old pay an average of $1,576. 

By age 35, the study rates almost even out with the average male driver profile's rates reducing to $1,407, and the average 35-year-old female profile’s rates decreasing to $1,411. 

At age 60 it reverses: the male driver profile's annual representative premium was about $100 lower, at an average study rate of $1,317, and for 60-year-old female profile pays even less, at $1,281. 

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$2,575.93

$2,457.02

$2,312.76

$2,365.97

$2,192.49

$2,094.09

Geico

$1,270.04

$1,326.23

$1,322.07

$1,194.00

$1,289.11

$1,127.04

Nationwide

$2,296.07

$2,104.83

$1,814.47

$1,831.18

$1,611.22

$1,617.96

Progressive

$1,431.04

$1,465.52

$1,097.68

$1,184.64

$1,047.92

$1,026.36

State Farm

$1,943.83

$1,856.10

$1,665.10

$1,665.10

$1,553.41

$1,553.41

Travelers

$1,194.43

$1,097.30

$1,034.38

$1,028.67

$946.97

$966.42

USAA

$786.76

$723.76

$599.58

$609.04

$576.67

$579.37

Delaware Car Insurance Rates by Credit Score

We also wanted to discover the difference a good credit score can make compared to a poor credit score. We used driver profiles in three categories: good credit, fair credit, and poor credit. Men and women ages 25, 35, and 60 were profiled as drivers. Each profile had medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage, and for vehicle baselines we used the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

A driver profile with poor credit in Delaware had an average study rate of more than $2,770, or about $1,330 more than our driver profile with good credit. 

USAA is still the cheapest in Delaware overall. Driver profiles with good credit paid an average of $646 for USAA coverage according to our study, compared to those with poor credit who paid a representative rate of $1,755 on average.

Travelers insurance is the next most affordable in Delaware, with driver profiles with good credit paying a representative rate of $1,045 compared to those with poor credit paying an average of $1,845. 

The most expensive in Delaware is Allstate, with driver profiles with good credit paying an average of $2,333 compared to those with poor credit paying $3,641 on average.

Company

Good

Fair

Poor

Allstate

$2,333.04

$2,609.90

$3,641.23

Geico

$1,254.75

$1,812.58

$3,236.12

Nationwide

$1,879.29

$2,102.55

$2,615.17

Progressive

$1,208.86

$1,538.59

$2,162.77

State Farm

$1,706.16

$2,292.03

$4,142.78

Travelers

$1,044.70

$1,246.01

$1,844.70

USAA

$645.86

$874.62

$1,755.49

Delaware Car Insurance Rates by Driving Record

We analysed the effect a driving profile can have on car insurance rates in Delaware. We used driver profiles who are men and women aged 25, 35, and 60 with good credit, medium insurance coverage, and 12,000 miles of annual driving. The vehicles used were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

According to our study, the average representative rate for a driver profile with a clean record in Delaware is $1,439. A driver profile with one speeding ticket had an average rate in our study of $1,699, or about $260 more. With one accident added to the study profile, rates went up to $1,746. When one DUI was added, the average rate rose by another $615 to $2,361.

USAA is again the cheapest across the board, with its user profiles paying $734 with one speeding ticket; $646 with one accident; and $1,169 with one DUI, on average according to our study.

The second-most affordable is Travelers insurance, with driver profiles paying $1,098 with one speeding ticket; $1,055 with one accident; and $1,875 with one DUI on the record, according to our driver profiles.

In Delaware, the most expensive insurance by driving record according to our data is Allstate, with study rates of $2,590 with one speeding ticket; $3,086 with one accident; and $3,088 with one DUI.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,333.04

$2,589.87

$3,085.68

$3,088.44

Geico

$1,254.75

$1,453.32

$1,742.23

$2,164.25

Nationwide

$1,879.29

$2,516.05

$1,879.29

$4,825.63

Progressive

$1,208.86

$1,585.07

$1,764.41

$1,526.27

State Farm

$1,706.16

$1,877.18

$2,048.18

$1,877.18

Travelers

$1,044.70

$1,097.83

$1,055.36

$1,875.00

USAA

$645.86

$773.68

$645.86

$1,168.68

Delaware Car Insurance Rates by Coverage Type

Most major insurers offer car insurance coverage in three general tiers: low, medium, and high (even if they don’t necessarily advertise it as such). We created identical profiles in our study to represent drivers, then found out how study rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females with the ages of 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

In Delaware, our representative rates range from an average of $1,332 for low coverage to $1,531 for high coverage.

According to our analysis, the cheapest car insurance company in Delaware, USAA, clocks in at an average study cost of $599 for the driver profile with low coverage; $646 with medium coverage; and $704 with high coverage.

Next best is Travelers, costing our driver profiles $955 for low coverage; $1,045 for medium coverage; and $1,080 for high coverage, according to our survey.

The most expensive in Delaware is Allstate, with an average study rate of $2,126 for low coverage; $2,333 for medium coverage; and $2,469 for high coverage.

The about $200 increase per year on average from low to high is probably worth it considering how much more you could end up paying if you cause an accident and have minimum coverage.

Company

Low

Medium

High

Allstate

$2,125.89

$2,333.04

$2,468.81

Geico

$1,109.18

$1,254.75

$1,359.59

Nationwide

$1,883.72

$1,879.29

$1,963.51

Progressive

$1,076.61

$1,208.86

$1,306.81

State Farm

$1,577.10

$1,706.16

$1,834.48

Travelers

$954.92

$1,044.70

$1,080.18

USAA

$598.59

$645.86

$703.58

Delaware Car Insurance Rates by Annual Mileage

We created two driver profiles to compare how annual mileage can change car insurance representative rates in Delaware: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

As for mileage, driver profiles who drive about 6,000 miles a year pay a study rate of $1,398. Those who put about 12,000 miles on their car annually, pay around $1,439 on average, the study shows.

For our USAA driver profiles, those with 6,000 miles annually paid $618 compared to those with 12,000 miles who paid $646, according to our study.

Travelers is the second-most affordable insurer for these profiles, with both sets of commuter profiles paying $1,045.

Allstate is the most expensive, with both sets of commuter profiles paying an average of $2,333 in the study.  

Company

6,000 miles annually

12,000 miles annually

Allstate

$2,333.04

$2,333.04

Geico

$1,220.11

$1,254.75

Nationwide

$1,879.29

$1,879.29

Progressive

$1,208.86

$1,208.86

State Farm

$1,483.39

$1,706.16

Travelers

$1,044.70

$1,044.70

USAA

$618.28

$645.86

Delaware Car Insurance Rates by City

We checked our study's driver profiles in some of Delaware's largest cities to find out how city of residence can affect insurance study rates. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

Rates can also vary drastically by city, but possibly due to Delaware’s compact size, average insurance rates in our analysis only vary by up to about $450 in the cities we studied. Changes in average insurance rates can be caused by areas with high crime, high traffic, or high likelihood of accidents – generally found higher in denser areas.

Dover, the capital of Delaware, has a study rate for our driver profiles clocking in at $1,312, which is about average for the state.

Wilmington ranks most expensive with an average of $1,692, compared to Delaware’s most affordable city for car insurance, Laurel, at $1,252. 

Other cities in the $1,200-$1,300 range for average insurance representative fees include Milford, Seaford, Georgetown and Harrington. Car insurance in Smyrna and Newark cost around the $1,500-$1,550 mark. 

City

Average Rate

Wilmington

$1,691.92

Dover

$1,312.24

Newark

$1,565.59

Middletown

$1,483.93

Milford

$1,253.76

Smyrna

$1,502.83

Seaford

$1,263.38

Georgetown

$1,255.25

Laurel

$1,251.61

Harrington

$1,264.28

Delaware Auto Insurance Minimum Coverage Requirements

Most states, including Delaware, require minimum car insurance coverage. Delaware’s requirements include liability insurance – common in many states – for bodily injury and property damage liability, along with personal injury protection coverage. Delaware’s minimum requirements include: 

  • Bodily injury liability 
  • Property damage liability 
  • Personal injury protection coverage: $5,000 per person
  • Compensation for damage to property other than motor vehicles: $10,000 per accident

In Delaware, the insurer takes on costs of the insured to pay damages of bodily injury or property damage caused in a vehicle accident. According to the state’s motor vehicle safety Financial Responsibility Laws, insurance companies must insure drivers for $25,000 for bodily injury or death to one person in one accident and up to $50,000 for bodily injury or death to two or more people on one accident. Delaware laws also require insurance companies to insure $10,000 for injury or destruction of property of others in one accident.

Cheapest Car Insurance in Delaware

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Young Adult Drivers

Travelers

Married Adult Drivers

Travelers

Senior Drivers

Travelers

Drivers with Good Credit

Travelers

Drivers with Poor Credit

Travelers

Drivers with a Clean Record

Travelers

Drivers with One Speeding Violation

Travelers

Drivers with One Accident

Travelers

Drivers with One DUI

Travelers

Low-mileage Drivers

Travelers

High-mileage Drivers

Travelers

Drivers with Low Coverage

Travelers

Drivers with High Coverage

Travelers

Drivers with Used Cars

Travelers

Drivers with New Cars

Travelers

In our study, Travelers insurance is generally the cheapest in Delaware for most of our driver profiles aside from USAA, which limits its membership to drivers with military affiliations. Travelers is the most affordable insurance in Delaware for our driver profiles with good credit and poor credit; those who are married or single; those who drive low or high miles; those who have new or used cars; and those who are seniors. USAA is cheapest for those with military affiliations.

USAA driver profiles paid an average study rate of $646 a year and Travelers drivers paid an average of $1,045 in Delaware, compared to Allstate which charges an average of $2,333 for the profiles according to our study.

To find which car insurance company offers the lowest rates in Delaware, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included men and women ages 25, 35, and 60 driving the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Why Car Insurance Rates Vary in Delaware

Legal requirements, traffic congestion, economic conditions, weather, and competition are some of the top factors that lead to different rates. 

Drivers with the highest perceived risk pay the highest car insurance rates, regardless of state. Drivers with clean records have a lower risk and the lowest rates, but age, gender, annual mileage and credit scores are also considered, so rate are not consistent from person to person.

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Insurance companies in highly urbanized areas like much of Delaware – considered the sixth most densely populated state – and the East Coast charge higher rates because those dense areas are perceived to be higher risk for heavy traffic and higher chance of accidents.

However, rates could be generally low in Delaware – costing, on average, a few hundred dollars less than the national average, according to our study – because dense populations can lead to more licensed insurance carriers, keeping rates competitive. Other East Coast states Maine, New Hampshire, Virginia, and North Carolina are all in the top 10 states with the cheapest car insurance costs.

Delaware also has a state Department of Insurance regulating the industry by keeping tabs on carriers.

Our study shows in general, inexperienced drivers, those in high risk areas, or those who have a history of poor driving or financial irresponsibility pay the highest premiums. Older drivers with good credit history and good driving records pay lower rates because they are less likely to be involved in an accident.

How to Get the Cheapest Car Insurance in Delaware

In Delaware, some insurers offer discounts for having multiple cars on a policy, mature drivers, airbags and other safety equipment, good student drivers, and accident-free records.

Many major insurers offer discounts on car insurance for those who bundle policies such as home and auto. Having more than one car on your policy or combining your car insurance with your homeowners or renters insurance can lower rates.

You can also often get discounts for younger drivers on your policy if they maintain a B average and qualify for a good student discount. In Delaware, this is for full-time students between ages 16 and 24. Read more about the cheapest car insurance companies for teens and students to find even more ways to save when you add a young driver to your policy.

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In 2015, Delaware passed a senate bill outlining a defensive driving discount for drivers who complete an approved course at the DMV to receive a 10% discount for learning accident prevention. 

Be sure to shop around when you're looking for a new car insurance policy. The best way to know you're getting the cheapest rate for the best coverage is to compare quotes from different companies.

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The most common way to lower your rates and keep them low is to be a good driver with a clean record. Some insurance companies offer discounts if your driving record remains spotless for six months or more. Once you have an accident or a citation, though, rates usually go up significantly. 

Important Laws Around Auto Insurance in Delaware

Delaware is a fault state rather than a no-fault state, meaning if you caused an accident, your liability insurance will pay for damages and medical bills for the others involved. Your own injuries are covered by your state-required personal injury protection insurance. Unfortunately, there are always some people who don’t have insurance but drive anyway, but in Delaware uninsured motorist coverage is optional.

Delaware does allow digital insurance cards since 2014, so you don’t have to carry a physical card in your glove box or wallet anymore. If you’re pulled over, you can show proof of insurance on an app from your insurance company. 

Drivers without insurance can be fined a maximum of $1,500 on the first offense but $3,000 on the second – and driving privileges could be suspended for six months.

Delaware Driving Laws and Punishments

Delaware has had a hands-free cell phone law since 2011, banning driver from holding anything in their hands  –  including everything from smartphones and cell phones to tablets, laptops, games and other portable computers – while driving. Being caught for a first offense can result in a fine of $100, but subsequent offenses are charged up to $300.

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Driving under the influence of alcohol or drugs is prohibited in Delaware, resulting in a first offense fine of between $500 and $1,500 or up to 12 months in prison – but not both. The seventh offense and more can result in a class C felony, a fine of $15,000 and between five to 15 years in prison.

Uninsured motorist coverage is optional in Delaware. If you suffer losses or damage from a driver without insurance, or a hit-and-run accident, this coverage takes the place of the coverage the other driver should have had. It comes at an automatic $250 deductible for property damage in Delaware, regardless of the deductible you may have on your other coverage.

Delaware Car Insurance FAQs

Is car insurance required in Delaware?

Yes, bodily injury liability, property damage liability, and personal injury protection coverage are required by the Delaware Motorists Protection Act, along with compensation of damage to property other than motor vehicles.

Which cars are required to be insured in Delaware?

Like most states, Delaware requires every registered motor vehicle to be covered.

When should I get car insurance in Delaware?

Drivers in Delaware are required to register cars within 60 days of moving to the state, but you first have to have proof of insurance and pass a vehicle inspection.

What happens if my car is not properly insured in Delaware?

Driving without insurance in Delaware can result in a maximum fine of $1,500 on the first offense, $3,000 for the second offense, and driving privileges could be suspended for six months.

Is Delaware a no-fault state?

No, Delaware is a fault state, meaning blame will be assigned following an accident. The person at fault has to compensate anyone who suffered harm from the accident.

Do I need uninsured motorist coverage in Delaware?

No, in Delaware uninsured motorist coverage is optional.

Is liability insurance required in Delaware?

Yes, liability insurance is required in Delaware.

Does Delaware accept digital insurance cards?

Yes, Delaware allows drivers to show digital proof of insurance since 2014.