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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. 

Rates for car insurance vary depending on several factors. Read on to see what those factors are and which auto insurance company may be the best fit for you.

Cheapest Car Insurance Companies in Delaware

How We Found the Cheapest Car Insurance Companies

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 rankings 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 nine 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 study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and 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 the rates shown here. 

How Much Does Car Insurance Cost in Delaware?

See the Cheapest Car Insurance Companies

According to our analysis, Delaware is reasonable when it comes to car insurance costs compared to other states. Our average Delaware driver profiles pay only about 2.5% more than the national average. 

Our study found that Delaware’s representative rates from the state’s top seven insurance companies range from $721 to $2,631. Among the seven providers, the average study rate in Delaware is $1,452, according to our study.

In Delaware, Allstate has the most expensive average car insurance rates in our study, charging the average driver profile about 81% more than the state average.

Aside from USAA, which is exclusively for those with military affiliations, Travelers is the most affordable car insurance company in our Delaware survey, charging about 26% less than the state average.

Delaware Car Insurance Rates by Age

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

$2,886.42

$2,767.37

$2,612.11

$2,680.12

$2,471.18

$2,369.51

Geico

$1,191.16

$1,491.48

$1,230.24

$1,343.60

$1,171.54

$1,234.38

Nationwide

$2,175.40

$2,033.07

$1,708.43

$1,707.23

$1,584.44

$1,495.26

Progressive

$1,567.37

$1,622.51

$1,224.97

$1,329.00

$1,178.50

$1,146.28

State Farm

$1,511.79

$1,444.20

$1,297.51

$1,297.51

$1,211.20

$1,211.20

Travelers

$1,219.82

$1,120.10

$1,087.53

$1,081.98

$976.48

$997.04

USAA

$926.65

$899.46

$637.62

$648.38

$602.08

$613.77

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As it is in most states, younger drivers in Delaware usually pay the highest car insurance premiums. Our 25-year-old male driver profile from Delaware had an average representative rate of $1,640, while our 25-year-old female profile paid an average of $1,625.

Rates tend to go down as you age. For our 35-year-old male driver profile, rates dropped to $1,400, and the average 35-year-old female profile dipped to $1,441. At age 60, the male driver profile's annual representative premium was $1,314, while the 60-year-old female profile paid even less, at $1,295.

USAA offers the most affordable rates across all ages in our profiles. Travelers is the next least expensive, charging both the 25- and 60-year-old male driver profiles about 25% less than the state average.

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Delaware Car Insurance Rates by Mileage

Company

6,000 miles annually

12,000 miles annually

Allstate

$2,631.12

$2,631.12

Geico

$1,241.09

$1,277.07

Nationwide

$1,783.97

$1,783.97

Progressive

$1,344.77

$1,344.77

State Farm

$1,156.56

$1,328.90

Travelers

$1,080.49

$1,080.49

USAA

$691.91

$721.33

You might expect to pay more if you put more miles on your car each year, but that’s not necessarily the case. Four of the seven insurance companies in our study - Travelers, Progressive, Nationwide, and Allstate - charged the same representative rate for driver profiles that drove 6,000 miles per year and for those that drove 12,000 miles a year. On average, driver profiles with 6,000 miles a year paid a study rate of $1,419. For the 12,000-mile profile, the study rate only went up by about $34, to $1,453 on average.

Riddhish Chakraborty / Getty Images

Driver profiles with 6,000 miles annually paid $690 with USAA, while those with 12,000 miles paid $720, according to our study. These rates are about 50% below the state averages in both categories.

Travelers is the second-most affordable insurer for these profiles, with both sets of commuter profiles paying $1,080, or about 24% below the state average.

Allstate has the most expensive representative rates, with both sets of commuter profiles paying an average of $2,631 in the study. That’s roughly 83% above the state average.

We created two driver profiles to compare how annual mileage can change car insurance rates: 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.

Delaware Car Insurance Rates by Coverage Type

Company

Low

Medium

High

Allstate

$2,399.72

$2,631.12

$2,781.88

Geico

$1,133.72

$1,277.07

$1,403.96

Nationwide

$1,865.96

$1,783.97

$1,774.63

Progressive

$1,209.67

$1,344.77

$1,449.54

State Farm

$1,224.57

$1,328.90

$1,436.05

Travelers

$1,019.55

$1,080.49

$1,105.59

USAA

$659.58

$721.33

$791.69

In Delaware, our representative rates range from an average of $1,359 for low coverage to $1,535 for high coverage. That $176 difference might be worth it when you consider how much more you could pay if you cause an accident and have only minimum coverage.

According to our analysis, USAA was the cheapest car insurance company in Delaware, clocking in with an average representative rate of $660 for the driver profile with low coverage and $792 for those with high coverage. Those rates are below the state average by about 51% and 48% respectively.

Travelers was the next most affordable company, costing our average driver profiles $1,020 for low coverage and $1,106 for high coverage, according to our survey.

The most expensive rates belonged to Allstate, with a representative rate of $2,400 for low coverage and $2,782 for high coverage. The latter is about 81% more than the state average.

We created identical profiles in our study to represent drivers, then found out how 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 aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Delaware Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$2,631.12

$2,888.71

$3,934.98

Geico

$1,277.07

$1,588.91

$1,900.65

Nationwide

$1,783.97

$2,009.96

$2,359.69

Progressive

$1,344.77

$1,686.81

$2,249.22

State Farm

$1,328.90

$1,902.86

$3,869.22

Travelers

$1,080.49

$1,403.74

$1,984.13

USAA

$721.33

$823.39

$1,266.22

Your credit score can have a big effect on your car insurance rates. Driver profiles with poor credit in Delaware had an average representative rate of about $2,509, about 73% more than our driver profile with good credit, which was $1,453 on average.

USAA was the cheapest insurance company in our survey across all three of these driver profiles. Driver profiles with good credit paid an average of $721 for USAA coverage, while those with poor credit paid a representative rate of $1,266 on average. Both of those rates are about 50% below the state average.

Travelers was the next most affordable, with good credit driver profile rates of $1,080 and poor-credit rates of $1,984. These rates are about 26% and 21% below the state average, respectively.

Allstate had the most expensive representative rates. Driver profiles with good credit paid an average of $2,631, while those with poor credit paid $3,935 on average. That’s about 81% and 57% above the state averages, respectively.

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis.

Delaware Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,631.12

$2,922.07

$3,800.53

$3,486.80

Geico

$1,277.07

$1,886.40

$2,282.47

$2,856.20

Nationwide

$1,783.97

$2,083.63

$2,524.13

$3,087.55

Progressive

$1,344.77

$1,764.11

$2,071.35

$1,799.05

State Farm

$1,328.90

$1,460.30

$1,591.76

$1,460.30

Travelers

$1,080.49

$1,140.89

$1,096.56

$1,928.03

USAA

$721.33

$921.95

$721.33

$1,274.73

According to our study, the average representative rate for a driver profile with a clean record in Delaware is $1,453. A driver profile with one speeding ticket had an average study rate of $1,740. Driver profiles with one accident saw rates go up to $2,013, and for those with one DUI, the average rate rose to $2,270.

Pattanaphong Khuankaew / EyeEm / Getty Images

Once again, USAA had the cheapest rates across the board. Driver profiles with clean records paid 50% below the state average, and those with one DUI paid 44% below the state average.

The second-most affordable company for driver profiles with a clean record was Travelers, with representative rates of $1,080. For driver profiles with one DUI, the second-cheapest option was State Farm, with average representative rates of $1,460, or 36% below the state average.

On the other end of the spectrum, Allstate had the most expensive representative rates in our study. Driver profiles with clean records paid 81% above the state average, while driver profiles with one DUI paid 54% more than the state average. 

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Delaware Car Insurance Rates by City

City

Average Rate

Dover

$1,332.77

Georgetown

$1,272.08

Harrington

$1,274.53

Laurel

$1,269.26

Middletown

$1,518.72

Milford

$1,275.47

Newark

$1,587.61

Seaford

$1,277.68

Smyrna

$1,527.67

Wilmington

$1,697.10

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 $425 in the cities we studied. Rates tend to be higher in denser areas where accidents are more likely to occur and that often have more crime or traffic.

Dover, the capital of Delaware, has an average study rate of $1,330, while Wilmington ranks as the most expensive city in our survey, with a representative rate of $1,698. Delaware’s most affordable city in our survey is Laurel, at $1,269. 

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Delaware’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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Delaware Auto Insurance Minimum Coverage Requirements

Most states, including Delaware, require drivers to carry minimum car insurance coverage, including liability insurance. Delaware’s minimum requirements include: 

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

In Delaware, the insurer takes on the costs of the insured to pay damages for bodily injury or property damage resulting from 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 in one accident. Delaware laws also require insurance companies to insure $10,000 for injury or destruction of property from one accident.

Cheapest Car Insurance in Delaware

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

Category

Cheapest Company

Male Young Adult Drivers

Geico

Female Young Adult Drivers

Travelers

Married Adult Drivers

Travelers

Senior Drivers

Travelers

Drivers with Good Credit

Travelers

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Travelers

Drivers with One Speeding Violation

Travelers

Drivers with One Accident

Travelers

Drivers with One DUI

State Farm

Low-mileage Drivers

Travelers

High-mileage Drivers

Travelers

Drivers with Low Coverage

Travelers

Drivers with High Coverage

Travelers

Drivers with Used Cars

Travelers

According to our study, USAA is the cheapest car insurance company in Delaware. However, USAA limits its membership to drivers with military affiliations. After USAA, Travelers is generally the cheapest in Delaware for most driver profiles, including profiles with good credit and poor credit, those with low and high mileage, those with new or used cars, and those who are seniors.

State Farm is the cheapest option for drivers with one DUI on their record, and if you have poor credit, Geico may be the most affordable car insurance company for you.

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, and a clean driving record. Our profiles included males and females aged 25, 35, and 60 who drove 12,000 miles per year. The vehicles used in our study were 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 pay the lowest rates, but age, gender, annual mileage, and credit scores are also considered, so rates are not consistent from person to person.

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

Compared with other states, however, Delaware’s rates are comparable. According to our study, Delaware residents pay about $36 more than the national average rate. Because dense populations can lead to more licensed insurance carriers, rates are competitive.

Delaware also has a state Department of Insurance that regulates the industry and keeps tabs on carriers.

Our study shows that, in general, inexperienced drivers, those in high-risk areas, and those who have a poor driving record or a bad credit history pay the highest premiums. Older drivers with good credit 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

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.

In 2015, Delaware passed a senate bill outlining a defensive driving discount for drivers who complete an approved accident prevention course at the DMV. You can receive a 10% discount for completing one of these courses.

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.

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, which means if you cause 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 drive without insurance. In Delaware, uninsured motorist coverage is optional.

Delaware has allowed 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 for the first offense and $3,000 for the second. Driving privileges could be suspended for six months.

Texting While Driving and Distracted Driver Laws in Delaware

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

DUI Laws in Delaware

Driving under the influence of alcohol or drugs is prohibited in Delaware. First-time offenders will face a fine of between $500 and $1,500 or spend up to 12 months in prison. Fines jump to between $750 and $2,500 for a second offense and up to $5,000 for a third offense. A third offense can also result in a felony and up to two years in prison. DUI convictions can also result in the suspension of your driver’s license for three months for a first offense and 18 months for the third or subsequent offense.

Uninsured Motorist Laws in Delaware

Uninsured motorist coverage is optional in Delaware. If you suffer losses or damages from a driver without insurance or a hit-and-run accident, this policy takes the place of the coverage the other driver should have had. It comes with an automatic $250 deductible for property damage, 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, 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 for the first offense and $3,000 for the second offense. 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 must compensate anyone who suffered harm from the accident.

Do I Need Uninsured Motorist Coverage in Delaware?

No, uninsured motorist coverage is optional in Delaware.

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.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

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