In Delaware, full coverage car insurance averages $2,137 yearly, while minimum coverage is $1,309. These rates are $841 and $714 more expensive, respectively, than the national average.
Average Cost of Car Insurance in Delaware
Updated: December 26, 2024
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Key Takeaways
Drivers in Delaware pay about 65% more for full coverage car insurance compared to the national average.
The average cost of full coverage in this state is $2,137 annually, while minimum coverage runs about $1,309.
Delaware ranks among the pricier states for car insurance.
How Much Is Car Insurance in Delaware?
| Full Coverage | $2,137 | $1,296 | 65% |
| State Minimum Liability Only | $1,309 | $595 | 120% |
Read More: Average Cost of Car Insurance
Delaware Car Insurance Rates by Coverage Level
Your choice of coverage level directly affects your car insurance rate in the First State. Opting for higher liability limits and full coverage can raise your rate, but choosing a higher deductible might reduce your premium. Below you'll find the average costs for state minimum and full coverage policies in Delaware, reflecting different deductibles and liability limits.
| 300/500/300 | Full Coverage | $2,412 | $500 |
| 100/300/100 | Full Coverage | $2,297 | $0 |
| 300/500/300 | Full Coverage | $2,251 | $1,000 |
| 300/500/300 | Full Coverage | $2,222 | $1,500 |
| 100/300/100 | Full Coverage | $2,137 | $1,000 |
| 100/300/100 | Full Coverage | $2,107 | $1,500 |
| State Minimum | Full Coverage | $2,020 | $500 |
| State Minimum | Full Coverage | $1,860 | $1,000 |
| State Minimum | Full Coverage | $1,830 | $1,500 |
| 300/500/300 | Liability Only | $1,699 | $0 |
| 100/300/100 | Liability Only | $1,584 | $0 |
| State Minimum | Liability Only | $1,309 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Delaware Car Insurance Cost by Age
In Delaware, your age can make a big difference in car insurance costs. Younger drivers, seen as higher risk, often pay more. On average, 25-year-olds pay 35% more for full coverage and 36% more for state minimum coverage than 40-year-olds. They also pay 5% and 14% more, respectively, than 65-year-olds.
| 25 | $2,579 | $1,495 |
| 40 | $2,137 | $1,309 |
| 65 | $2,012 | $1,247 |
In most places, your age can change your car insurance cost. But in California, Massachusetts and Hawaii, your age won't affect the price of your insurance.
Car Insurance Costs in Delaware for Young Drivers by Gender
In Delaware, young drivers face higher car insurance costs due to increased accident rates. Drivers aged 18 to 25 pay an average of $1,803 per year when added to a family policy, which is 46% less than purchasing an individual policy at $2,639.
Gender also influences car insurance rates; female drivers in this age group pay an average of $2,475 annually, which is $329 less than male drivers. Below, you'll find the average car insurance costs for individual and family policies for young Delaware drivers, broken down by gender.
Car Insurance Costs in Delaware for Young Females
An 18-year-old female in Delaware typically pays $1,701 when added to a family car insurance plan. Choosing an individual policy instead can raise the rate to $5,086.
| 18 | $5,086 | $1,701 | -67% |
| 19 | $3,167 | $2,161 | -32% |
| 20 | $2,850 | $1,932 | -32% |
| 21 | $2,053 | $1,468 | -29% |
| 22 | $1,911 | $1,948 | 2% |
| 23 | $1,698 | $1,729 | 2% |
| 24 | $1,580 | $1,610 | 2% |
| 25 | $1,451 | $1,476 | 2% |
Car Insurance Costs in Delaware for Young Males
An 18-year-old male in Delaware typically pays around $6,158 for full coverage car insurance on his own. By joining a family policy, the cost drops to about $2,030, saving 67% annually.
| 18 | $6,158 | $2,030 | -67% |
| 19 | $3,752 | $2,358 | -37% |
| 20 | $3,353 | $2,107 | -37% |
| 21 | $2,287 | $1,558 | -32% |
| 22 | $2,039 | $2,010 | -1% |
| 23 | $1,786 | $1,756 | -2% |
| 24 | $1,630 | $1,602 | -2% |
| 25 | $1,430 | $1,406 | -2% |
Average Delaware Car Insurance Cost by Driving Record
In Delaware, driving offenses can hike your car insurance by 32% to 66%, depending on the violation. Below we compare rates for drivers with at-fault accidents, DUIs and tickets against those with a clean slate.
| At-Fault Accident | $3,002 | 57% | $1,822 | 66% |
| DUI | $2,944 | 54% | $1,767 | 61% |
| Ticket | $2,525 | 32% | $1,522 | 39% |
Read More: High-Risk Car Insurance in Delaware
Average Delaware Car Insurance Cost by Credit Score
Your credit-based insurance score plays a big part in your car insurance rates in The First State. On average, drivers with excellent credit pay about $1,044 a year for full coverage, while those with poor credit might pay as much as $2,297.
| Excellent | $1,044 | -45% | $463 | -58% |
| Good | $1,270 | -33% | $567 | -48% |
| Fair | $1,554 | -19% | $686 | -37% |
| Below Fair | $1,853 | -3% | $828 | -24% |
| Poor | $2,297 | 20% | $1,015 | -7% |
CREDIT SCORES AND YOUR PREMIUM
A credit score between 670 and 739 indicates financial reliability, potentially lowering insurance rates for Delaware drivers. Insurers can't use credit scores for pricing in Hawaii, Massachusetts, Maryland, California and Michigan. In North Carolina, Oregon, Washington, Utah and Nevada, credit scores are considered only in specific situations.
Average Delaware Car Insurance Cost by Company
Car insurance costs can differ a lot from one company to another, even in the same state. For drivers in Delaware seeking full coverage, Travelers offers the most affordable average annual premium at $1,060. On the other end, Dairyland's premium soars to $4,933, way above the state norm.
| Travelers | $1,060 | $548 |
| GEICO | $1,357 | $782 |
| State Farm | $1,477 | $831 |
| Progressive | $1,504 | $921 |
| Allstate | $2,283 | $1,574 |
| American Family | $2,343 | $1,316 |
| Dairyland | $4,933 | $3,193 |
Read More: Cheapest Car Insurance Companies in Delaware
Average Delaware Car Insurance Cost by Vehicle Age
In Delaware, new cars have higher insurance premiums, often due to their value and the cost to repair or replace them. On average, full coverage for a new model is $2,034 annually, while a 10-year-old car averages $1,708, reflecting the difference in associated risks.
| 10-Year-Old Vehicle | $1,708 | $1,017 |
| New Model Vehicle | $2,034 | $1,003 |
ACTUAL CASH VALUE
The actual cash value (ACV) of your vehicle is the worth assessed by your insurer right before any damage. For comprehensive or collision claims, this value helps determine the maximum payout for repairs or replacement, after deducting any applicable deductible. This process ensures your claim aligns with the car's fair market value.
Read More: Used Car Insurance
Delaware Car Insurance Rates Explained
In Delaware, car insurance rates may be higher or lower than the national average. We'll show you why and what factors like your credit-based insurance score influence the price for full coverage and state minimum plans.
Is Car Insurance Expensive in Delaware?
Car insurance in Delaware is on the pricier side, with the average full coverage policy costing around $178 per month. It's about 65% higher than the national average for full coverage.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Delaware vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Delaware Average Cost
Full Coverage Car Insurance
$178DE Car Insurance Is Expensive:$70 more
This is 65% more expensive.
Why Are Car Insurance Rates Expensive in Delaware?
Delaware's car insurance is pricey due to dense cities and the chance of storms and severe weather. These factors lead to more accidents and higher claims, raising costs for everyone. Look for affordable plans that protect you on the road.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Delaware
While Delaware's average car insurance rates reflect broad factors, your cost depends on personal details. Consider your driving record, car model, and credit score when looking for affordable coverage.
Driving Record
A clean driving record can lead to lower insurance rates by demonstrating safe driving habits. Avoid traffic violations and accidents to qualify for good driver discounts.
Age and Gender
Younger drivers typically face higher rates due to inexperience. Males may also pay more. Age and gender discounts may apply as you gain experience and reach certain milestones.
Credit History
A higher credit score can result in lower insurance premiums. Pay bills on time, reduce debt and check your credit report regularly to improve your credit standing.
Vehicle Type
The type of vehicle affects insurance costs. Choose cars with good safety ratings, lower repair costs and that are less likely to be stolen to enjoy lower rates.
Location
Living in areas with lower crime rates or less traffic can lead to reduced insurance premiums. Inform your insurer if you move to a safer location within Delaware.
Coverage Level
Balancing your coverage needs with your budget can help save on premiums. Opt for higher deductibles if you can afford them and don't over-insure your vehicle.
Marital Status
Married couples often receive lower insurance rates. If you get married, inform your insurance company to potentially benefit from a reduced rate.
State Law
Delaware requires certain minimum coverages. Understanding these can help you make informed decisions on any additional coverage and avoid unnecessary costs.
Read More: Delaware Car Insurance Calculator
Minimum Car Insurance in Delaware
In Delaware, the average cost for state minimum car insurance is $1,309, which is over twice the national average of $595. This minimum coverage is more affordable than full coverage but still costly compared to other states. Below is a table showing Delaware's minimum insurance requirements.
Delaware Car Insurance Requirements
In Delaware, drivers must have minimum coverage auto insurance. This includes $25,000 for bodily injury liability per person, $50,000 per accident and $10,000 for property damage liability per accident. Personal injury protection (PIP) is also required, with $15,000 per person and $30,000 per accident.
Liability Limits | What It Covers |
|---|---|
$25,000 for bodily injury liability per person | Medical expenses if you're at fault in an accident |
$50,000 for bodily injury liability per accident | Multiple injured parties in a single incident |
$10,000 for property damage liability per accident | Cost of repair costs for damaged property. |
$15,000 personal injury protection (PIP) per person | Medical expenses regardless of fault |
$30,000 personal injury protection (PIP) per accident | Medical expenses for all injured parties in an accident |
How to Lower Car Insurance Costs in Delaware
- 1
Compare Multiple Quotes
Researching multiple insurance providers can help you find the cheapest car insurance in your area, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
A better credit score or clean driving record without at-fault accidents or moving violations can significantly lower insurance premiums because insurers view you as a lower risk.
- 3
Adjust Your Coverage
Reviewing coverage needs can help ensure you're paying only for the coverage you need. For example, drivers who can afford it can lower costs with increased deductibles, and low-mileage drivers can decrease costs with usage-based policies.
- 4
Ask for Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, completing a state-approved defensive driving course and bundling policies, as these can lead to drastically lower premiums.
- 5
Consider the Car You Drive
Driving a car that's less expensive to insure, such as one with good safety ratings, can lead to lower insurance costs in your region.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Delaware: Bottom Line
In Delaware, the average yearly cost for full coverage car insurance is $2,137, which is higher than the national average. Rates depend on things like your driving record, where you live, and the car you drive. Compared to other states, Delaware is on the pricier side for car insurance.
Delaware Car Insurance Rates: FAQ
Discover what affects car insurance costs in the First State. Learn how to find affordable rates easily.
What are the minimum car insurance requirements in Delaware?
The minimum car insurance requirements in Delaware include bodily injury liability of $25,000 per person and $50,000 per accident, along with property damage liability of $10,000 per accident. Personal injury protection (PIP) is also required with minimums of $15,000 per person and $30,000 per accident. Uninsured and underinsured motorist coverages are not mandated by the state.
What is the average cost of full coverage and minimum coverage auto insurance in Delaware?
The average cost for minimum coverage auto insurance in Delaware is $1,309, while full coverage averages $2,137 annually. These rates exceed the national averages for comparable coverage levels.
What is the average cost of car insurance for a 25-year-old in Delaware?
The average cost for full coverage car insurance for a 25-year-old in Delaware is $2,579, slightly above the state average. For minimum coverage, the average is $1,495, also above the state average.
What are the cheapest car insurance companies in Delaware?
Travelers offers the most affordable car insurance in Delaware, with full coverage at an annual premium of $1060 and minimum coverage at $548. While opting for the cheapest option is tempting, it's crucial to choose a plan that provides adequate financial protection against significant losses.
Delaware Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in Delaware:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Delaware:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $10,000 for property damage liability per accident.
- $15,000 personal injury protection (PIP) per person
- $30,000 personal injury protection (PIP) per accident
Learn more about MoneyGeek's car insurance methodology.
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.