Cheapest Car Insurance In Delaware (2024)
The cheapest car insurance in Delaware comes from Travelers at $44 per month on average.
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Because car insurance costs are increasing, it’s smart for drivers in Delaware to compare different policies in order to find the cheapest coverage available. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, satisfaction of customers, available coverage options, and average premiums of each provider.
In this review, we will show you the most effective methods to spend less on insurance and tell you where to find the least expensive car insurance in Delaware that matches your driving record.
Key Points
- Travelers is the cheapest car insurance company in Delaware overall, with an average rate of $44 per month for minimum coverage and $133 per month for full coverage.
- USAA and GEICO also offer affordable car insurance rates for many driver profiles.
- If you are under 25 years old or have previous traffic violations, your car insurance rates will be higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Cheap Car Insurance Delaware
Different car insurance companies have different ways of assessing driver profiles. This means that the insurance provider that is the cheapest for one driver may not be the cheapest for you. To give you an example, here is a summary of the cheapest auto insurance providers and their rates for various driver profiles in Delaware.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | Travelers | $44 | $531 |
| Full coverage | Travelers | $133 | $1,591 |
| 16-year-olds | GEICO | $250 | $3,000 |
| 45-year-olds | Travelers | $45 | $544 |
| High-risk drivers | Travelers | $56 | $670 |
| After a speeding ticket | Travelers | $45 | $544 |
| After an accident | Travelers | $45 | $544 |
| After a DUI | Travelers | $77 | $923 |
| Poor credit drivers | Travelers | $44 | $531 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Delaware?
In general, we discovered that Travelers provides the least expensive car insurance in Delaware for the majority of people who drive. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Delaware.
These rates apply to drivers in Delaware who are of various ages, living in different areas, and have different driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Delaware: Travelers
Drivers looking for the most affordable coverage that just meets Delaware state minimum requirements may find it at Travelers for about $44 per month or $531 per year on average.
| Cheapest Car Insurance in Delaware | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Travelers | $44 | $531 |
| USAA | $66 | $793 |
| GEICO | $80 | $956 |
| State Farm | $92 | $1,100 |
| California Casualty | $97 | $1,164 |
| Progressive | $120 | $1,439 |
| American Family | $136 | $1,630 |
| Donegal Mutual | $153 | $1,841 |
| Allstate | $169 | $2,033 |
| Sentry | $204 | $2,442 |
Cheapest Full Coverage In Delaware: Travelers
Travelers offers the best coverage at the best price. The provider offers full-coverage insurance for an average of $133 per month.
Full-coverage insurance policies in Delaware generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Delaware | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Travelers | $133 | $1,591 |
| USAA | $175 | $2,102 |
| GEICO | $196 | $2,357 |
| Progressive | $216 | $2,590 |
| State Farm | $231 | $2,766 |
| California Casualty | $265 | $3,175 |
| American Family | $275 | $3,296 |
| Donegal Mutual | $336 | $4,031 |
| Allstate | $382 | $4,590 |
| Sentry | $573 | $6,871 |
Cheapest Car Insurance In Delaware: Age
Below, you’ll find average insurance costs for Delaware drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. People aged 30 to 55 often receive the lowest car insurance rates because they have more driving experience. They are also less likely to be involved in car accidents compared to younger drivers, according to statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $534 | $1,240 |
| 25 | $125 | $301 |
| 35 | $107 | $255 |
| 45 | $104 | $245 |
| 55 | $96 | $221 |
Cheapest Delaware Car Insurance: Young Drivers
As mentioned, teenage drivers and early 20s typically pay the most expensive car insurance rates. That’s mostly because these drivers don’t have as much practice driving and are more likely to break the rules of the road and get into car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Delaware Car Insurance For 16-Year-Olds: GEICO
If you’re a teen driver or the parent of one, GEICO may be your best bet for finding the most affordable car insurance in Delaware.
The company’s cheapest average rates for 16-year-old drivers are $250 per month or $3,000 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $712 per month or $8,545 per year from GEICO.
| Cheapest Car Insurance in Delaware | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $250 | $712 |
| USAA | $302 | $771 |
| State Farm | $386 | $846 |
| Donegal Mutual | $417 | $879 |
| American Family | $437 | $1,053 |
| Sentry | $457 | $1,165 |
| California Casualty | $514 | $1,297 |
| Travelers | $738 | $1,635 |
| Progressive | $758 | $1,652 |
| Allstate | $1,084 | $2,394 |
Cheapest Delaware Car Insurance For 25-Year-Olds: Travelers
Car insurance rates for young adults in their 20s are much lower than what teenage drivers pay. However, the specific company you choose can still impact the amount you’ll have to pay for insurance in this age group.
Travelers provides the cheapest car insurance costs on average at $44 per month or $525 per year for minimum coverage. Travelers costs $138 per month or $1,658 per year for full coverage.
| Cheapest Car Insurance in Delaware | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $44 | $138 |
| USAA | $72 | $191 |
| GEICO | $85 | $208 |
| State Farm | $101 | $259 |
| California Casualty | $109 | $295 |
| Progressive | $125 | $228 |
| American Family | $158 | $317 |
| Allstate | $168 | $400 |
| Donegal Mutual | $171 | $374 |
| Sentry | $220 | $603 |
Cheapest Delaware Car Insurance: Adult Drivers
Auto insurance rates are typically the lowest for people in their 40s who are driving. You can compare typical car insurance expenses of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Delaware Car Insurance For 35-Year-Olds: Travelers
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from Travelers. The company offers average minimum-coverage costs of $45 per month or $537 per year. For full coverage, Travelers’s rates average $127 monthly or $1,523 annually.
| Cheapest Car Insurance in Delaware | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $45 | $127 |
| USAA | $60 | $159 |
| GEICO | $74 | $185 |
| State Farm | $82 | $202 |
| California Casualty | $85 | $234 |
| American Family | $114 | $232 |
| Progressive | $115 | $204 |
| Donegal Mutual | $136 | $298 |
| Allstate | $171 | $365 |
| Sentry | $187 | $543 |
Cheapest Delaware Car Insurance For 45-Year-Olds: Travelers
Forty-five-year-old drivers may find the most affordable minimum coverage from Travelers, with average rates of $45 per month or $544 per year. The cheapest full coverage comes from Travelers at $119 per month or $1,434 per year.
| Cheapest Car Insurance in Delaware | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $45 | $119 |
| USAA | $52 | $139 |
| GEICO | $73 | $180 |
| California Casualty | $82 | $223 |
| State Farm | $84 | $201 |
| Progressive | $114 | $197 |
| American Family | $114 | $232 |
| Donegal Mutual | $136 | $298 |
| Allstate | $171 | $365 |
| Sentry | $171 | $500 |
Cheapest Delaware Car Insurance For 55-Year-Olds: Travelers
Travelers usually offers the most affordable car insurance rates in Delaware for people who are in their 50s and drive. The insurer’s average premiums are $40 monthly or $477 annually for minimum coverage. The cheapest full coverage option is from Travelers, costing $119 monthly or $1,434 annually
| Cheapest Car Insurance in Delaware | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $40 | $101 |
| USAA | $50 | $133 |
| GEICO | $71 | $171 |
| California Casualty | $73 | $196 |
| State Farm | $80 | $191 |
| American Family | $92 | $190 |
| Progressive | $112 | $183 |
| Donegal Mutual | $114 | $253 |
| Sentry | $156 | $443 |
| Allstate | $172 | $351 |
Cheapest Car Insurance In Delaware: High-Risk Drivers
Besides the type of coverage you choose and your age, how well you drive has a significant impact on the cost of your car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding tickets, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are at a high risk of getting into accidents have to pay more for car insurance than the average driver because they have a history of breaking the rules of the road multiple times. On average, Delaware motorists who are deemed high-risk may find the most affordable rates from Travelers for minimum coverage or Travelers for full coverage.
| Cheapest Car Insurance in Delaware | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $56 | $167 |
| USAA | $93 | $243 |
| State Farm | $105 | $260 |
| Progressive | $148 | $286 |
| GEICO | $153 | $367 |
| California Casualty | $172 | $453 |
| Donegal Mutual | $196 | $410 |
| American Family | $203 | $420 |
| Allstate | $230 | $531 |
| Sentry | $291 | $818 |
Cheapest Delaware Car Insurance For Drivers With A Speeding Ticket: Travelers
Drivers with a speeding citation on their record can generally find the most affordable coverage from Travelers, with average rates of $45 per month or $544 per year for minimum coverage and $138 per month or $1,658 per year for full coverage.
| Cheapest Car Insurance in Delaware | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $45 | $138 |
| USAA | $86 | $228 |
| State Farm | $102 | $253 |
| GEICO | $113 | $284 |
| California Casualty | $114 | $312 |
| American Family | $136 | $275 |
| Progressive | $145 | $279 |
| Donegal Mutual | $153 | $336 |
| Allstate | $186 | $428 |
| Sentry | $298 | $844 |
Cheapest Delaware Car Insurance For Drivers With An At-Fault Accident: Travelers
Getting into a car accident in Delaware may lead to higher car insurance costs. Travelers tends to offer the most affordable rates on average at about $45 per month or $544 per year for minimum coverage and $138 per month or $138 per year for full coverage.
| Cheapest Car Insurance in Delaware | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $45 | $138 |
| USAA | $66 | $175 |
| State Farm | $112 | $275 |
| California Casualty | $151 | $398 |
| GEICO | $156 | $380 |
| Progressive | $157 | $305 |
| Donegal Mutual | $170 | $359 |
| American Family | $171 | $332 |
| Allstate | $287 | $649 |
| Sentry | $304 | $848 |
Cheapest Delaware Car Insurance For Drivers With A DUI: Travelers
If you’re a motorist with a drunk driving conviction, you may find the cheapest minimum car insurance in Delaware from Travelers for $77 per month or $923 per year on average. They also have rates of $224 monthly or $2,689 annually for full coverage.
| Cheapest Car Insurance in Delaware | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $77 | $224 |
| State Farm | $102 | $253 |
| USAA | $125 | $325 |
| Progressive | $142 | $274 |
| GEICO | $188 | $438 |
| Allstate | $217 | $517 |
| California Casualty | $251 | $649 |
| Donegal Mutual | $263 | $536 |
| Sentry | $270 | $763 |
| American Family | $301 | $655 |
Cheapest Delaware Car Insurance For Drivers With Poor Credit: Travelers
People who have bad credit are charged more money for their car insurance. Those who don’t have the best credit history may want to check out Travelers, which has an average minimum-coverage rate of $86 per month or $1,029 per year and an average full-coverage rate of $243 per month or $2,920 per year.
| Cheapest Car Insurance in Delaware | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $86 | $243 |
| GEICO | $115 | $295 |
| USAA | $117 | $303 |
| California Casualty | $160 | $436 |
| Progressive | $173 | $354 |
| Allstate | $248 | $609 |
| State Farm | $249 | $613 |
| American Family | $254 | $513 |
| Sentry | $264 | $736 |
| Donegal Mutual | $299 | $655 |
Average Cost Of Car Insurance In 10 Delaware Cities
The location you reside in Delaware also influences the amount you pay for car insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There are a greater number of cars driving on the road.
- More frequent car accidents
- More instances of breaking traffic rules
- More incidents of car theft and auto vandalism
- Extreme weather conditions
Certain factors that increase the chances of something bad happening are more common among people who own cars in big cities. That’s why the average cost of car insurance for minimal coverage is highest for drivers in busy cities. On the other hand, drivers in rural areas with less crime and fewer people are more likely to have lower insurance rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Newark | $110 | $271 |
| New Castle | $123 | $298 |
| Dover | $91 | $231 |
| Wilmington | $128 | $320 |
| Middletown | $96 | $247 |
| Millsboro | $84 | $224 |
| Seaford | $86 | $226 |
| Lewes | $80 | $210 |
| Brookside | $109 | $269 |
| Bear | $113 | $273 |
Top 5 Car Insurance Companies In Delaware
Besides the cost, we have evaluated more than 40 insurance companies in Delaware. We looked at the coverage, service, and reliability to identify the top five insurers. Based on our research, we found Travelers to be the best provider for most drivers in Delaware. Here are our ratings for the choices we recommend, overall.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #3 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #4 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #5 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Delaware
You can reduce how much you pay for car insurance in Delaware by trying out different methods. These include:
- Opting for minimum coverage: If you only get the least amount of coverage your state requires, you will have the least expensive car insurance possible.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from different companies can give you an idea of which provider will give you the best offer.
Many insurance companies also offer usage-based insurance programs. These programs are a good way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you may receive a significant discount. However, certain programs might increase your rates if you engage in risky driving behaviors.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Delaware Require For Car Insurance?
Drivers in Delaware must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $10,000 property damage liability per accident
- $15,000 personal injury protection per person also required, as well as $30,000 personal injury protection per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Delaware
When it comes to both minimum and full coverage, Travelers is the best and cheapest car insurance company for most drivers in Delaware. While the above costs can give you an idea of what you’d pay for car insurance in Delaware, getting a personalized quote will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and cost-free tools online that allow you to get price estimates. Alternatively, you can directly contact an insurance agent or representative at the company. Once you have gathered quotes from at least three providers, compare them to find your best option.
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Best Cheap Car Insurance In Delaware: FAQ
Here are some frequently asked questions about car insurance in Delaware:
How much is car insurance per month in Delaware?
Is Delaware Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.