Updated: November 14, 2024
Advertising & Editorial Disclosure
In Delaware, drivers who choose full coverage car insurance can expect to pay an average annual premium of $2,137. Those opting for minimum coverage pay less, averaging around $1,309 annually.
Insurers consider various factors when determining your car insurance premium. Your age, chosen coverage level, location, driving record, and credit history considerably impact your rates.
Why Trust MoneyGeek? We analyzed data and quotes from Quadrant Information Services and the Delaware Department of Insurance to get the most precise average costs for various Delaware drivers.
These rates reflect the average cost of car insurance in Delaware as of November 2024.
Delaware's average full coverage car insurance cost is $2,137 annually or $178 monthly. Knowing your state's average car insurance cost helps you assess if a quote is affordable or high. Compare car insurance quotes to find the best deal.
Here's what you might pay for auto insurance in Delaware. These numbers show your potential budget, whether you want only minimum coverage or more comprehensive protection.
| 100/300/100 Full Cov. w/$1,000 Ded. | $2,137 | $178 |
| 100/300/100 Liability Only | $1,584 | $132 |
| State Minimum Liability Only | $1,309 | $109 |
Car insurance in Delaware is more expensive than the national average cost of car insurance. For minimum coverage, the average annual premium in Delaware is about $1,309, or $109 monthly, which is significantly higher than the national average of $628 annually, or approximately $52 monthly.
Several factors contribute to Delaware's higher rates, including its dense population, higher-than-average health care costs, and the state's high rate of PIP (Personal Injury Protection) claims.
Car insurance premiums can differ significantly, even within a state. In Delaware, for example, the provider offering the cheapest full coverage is Travelers at $1,060 annually, while Dairyland has the most expensive average premium at $4,933.
Compare car insurance quotes from various providers to find the cheapest car insurance in Delaware and maximize your savings.
| Travelers | $1,060 | $88 |
| GEICO | $1,357 | $113 |
| State Farm | $1,477 | $123 |
| Progressive | $1,504 | $125 |
| Allstate | $2,283 | $190 |
| American Family | $2,343 | $195 |
| Dairyland | $4,933 | $411 |
The cost of car insurance in Delaware also depends on the level of coverage you select. Minimum coverage averages at $109 monthly, while full coverage with a $1,000 deductible is typically around $178 monthly. Despite being pricier, it's advisable to opt for full coverage insurance because it provides a more comprehensive safety net in the event of accidents, theft, or other damages to your vehicle.
When you enhance your policy with comprehensive and collision coverage, your premium generally increases. However, you can mitigate this rise in cost by electing for higher deductibles. The deductible is the amount you pay out of pocket for repairs under the comprehensive and collision coverages, with each type of coverage requiring a separate deductible.
| State Minimum Liability Only | $1,309 | $109 |
| 100/300/100 Liability Only | $1,584 | $132 |
| 300/500/300 Liability Only | $1,699 | $142 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $1,830 | $153 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $1,860 | $155 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $2,020 | $168 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $2,107 | $176 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $2,137 | $178 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $2,222 | $185 |
| 300/500/300 Full Cov. w/$1,000 Ded | $2,251 | $188 |
| 100/300/1000,000 - 500 comp_coll | $2,297 | $191 |
| 300/500/300 Full Cov. w/$500 Ded. | $2,412 | $201 |
Delaware's minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 per accident, $10,000 for property damage, along with personal injury protection of $15,000 per person and $30,000 per accident.
$25,000 for bodily injury liability per person
Delaware requires a minimum of $25,000 in bodily injury liability coverage for each person injured in an accident.
$50,000 for bodily injury liability per accident
For all persons injured in a single accident, Delaware's state minimum is $50,000 in bodily injury liability.
$10,000 for property damage liability per accident
Delaware mandates at least $10,000 in property damage liability coverage to pay for damages to another's property.
$15,000 personal injury protection (PIP) per person
Delaware requires $15,000 in PIP coverage per person to cover medical expenses and other related costs.
$30,000 personal injury protection (PIP) per accident
For each accident, Delaware law stipulates a minimum of $30,000 in PIP coverage.
In Delaware, drivers aged 22 to 29 usually face the highest premiums averaging $2,579, while those over 60 benefit from the most affordable rates at $2,012 per year. Generally, premiums decrease as drivers age, with those aged 30 to 59 seeing an average of $2,137, reflecting the industry's view of risk and experience.
| 22-29 | $2,579 | $215 |
| 30-59 | $2,137 | $178 |
| 60 + | $2,012 | $168 |
Age and gender significantly influence car insurance rates in Delaware. For example, 16-year-old male drivers added to a family policy can expect an average annual cost of $3,358, with the highest premiums for this age group.
Teen drivers under 18 usually cannot purchase car insurance independently without a parent or guardian co-signing. Going solo on a policy comes with a steeper average premium of $10,368 for a 16-year-old driver in Delaware.
The average annual cost of full coverage car insurance is $1,708 for a 2012 model and $2,034 for a 2022 model. The higher premiums for newer cars reflect their increased actual cash value, higher repair costs and greater theft risk.
Newer vehicle owners should consider comprehensive and collision coverages to protect against various types of damage and save on unexpected repairs or theft.
| 2012 Vehicle | $1,708 | $142 |
| 2022 Vehicle | $2,034 | $170 |
The actual cash value (ACV) of your vehicle is the amount your insurance company will typically pay if your car is damaged or totaled in a covered incident. It reflects your car's market value at the time of the claim after depreciation. Your ACV directly influences the reimbursement you receive from your comprehensive or collision insurance, ensuring you're compensated fairly for losses sustained.
Drivers in Delaware can expect their car insurance rates to vary depending on their driving record. Annual and monthly averages based on driving violations are:
The severity of a violation can raise your insurance premiums. As long as the violation is on your record, it can affect your rates. The more serious the violation on your driving record in Delaware, the higher the premium you're likely to pay. This effect persists as long as the offense remains on your record.
While a DUI typically results in the highest insurance rates due to its higher risk, there are exceptions where other infractions might be more heavily penalized by insurance companies in certain states.
Our table, sorted by coverage and age group, shows the average cost of car insurance in Delaware for different records.
| Clean | $2,137 | $178 |
| Ticket | $2,525 | $210 |
| DUI | $2,944 | $245 |
| At-fault Accident | $3,002 | $250 |
In Delaware, car insurance costs vary greatly based on credit scores. Drivers with excellent credit (740 and above) pay an average of $845 annually, while those with poor credit (below 580) face premiums averaging $1,847. This difference highlights the importance of maintaining a good credit score to secure affordable insurance rates. A good credit score ranges from 670 to 739, and fair credit is between 580 and 669.
| Excellent | $845 | $70 |
| Good | $1,030 | $86 |
| Fair | $1,251 | $104 |
| Below Fair | $1,494 | $125 |
| Poor | $1,847 | $154 |
For Delaware drivers, understanding factors impacting your car insurance rates can help you find the most affordable plan. Here's what affects your premiums:
Compare car insurance quotes to find a policy that meets your driving needs and budget. By not exploring your options, you could miss out on potential savings.
To find cheap car insurance in Delaware, shop around for competitive rates, increase your deductible and claim all available discounts for immediate savings.
Shop around
Comparing quotes from multiple insurers can lead to finding the cheapest car insurance in Delaware, potentially saving you hundreds of dollars annually.
Maintain a clean driving record
Drivers with no accidents or traffic violations are likelier to receive lower rates because they're considered lower risk for insurers.
Bundle policies
Combining auto insurance with other policies, such as homeowners or renters insurance, can result in discounts, making overall insurance costs more affordable.
Increase your deductible
Opting for a higher deductible can lower your premium but ensure you can afford the out-of-pocket costs if you need to file a claim.
Look for discounts
Ask your insurer about discounts for things like safe driving, good grades for students or having a car with safety features.
Choose a cheap-to-insure vehicle
Driving a car that's less expensive to repair or replace may lead to lower insurance rates because it poses less financial risk to the insurer.
Review your coverage
Ensure you're not overpaying for coverage you don't need. Adjusting your policy to better suit your situation can lead to more affordable rates.
Get answers about what impacts the average cost of car insurance in Delaware and how to find affordable rates.
The minimum car insurance requirements in Delaware are $25,000 for bodily injury per person, $50,000 per accident and $10,000 for property damage, along with personal injury protection of $15,000 per person and $30,000 per accident.
The average cost for full coverage car insurance in Delaware is around $2,137 annually or $178 monthly. Minimum coverage costs about $1,309 annually or $109 monthly.
In Delaware, the average cost of car insurance for a 22-year-old is $1,495 annually, or $125 monthly, for minimum coverage. A 100/300/100 liability-only policy costs $1,830 annually or about $153 monthly. Full coverage with a $1,000 deductible costs $2,579 annually or $215 monthly.
Travelers and GEICO are the cheapest car insurance companies in Delaware. They offer minimum coverage at annual costs of $548 and $782, respectively.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
