Updated: November 18, 2024
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The best car insurance provider in Delaware depends on individual needs. MoneyGeek ranks American Family highest overall, with State Farm leading for people seeking minimum coverage. Families with teen drivers may find State Farm most suitable.
MoneyGeek also analyzed the cheapest car insurance in Delaware if cost is your primary consideration, regardless of service quality.
Best Car InsuranceDelawareBest Car Insurance in Delaware
Why Trust MoneyGeek? We created an insurance scoring system for providers in Delaware based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Delaware.
In Delaware, American Family stands out as the premier car insurance company with an impressive MoneyGeek score of 90 out of 100. The scores for insurers in the state run from a high of 90 to a low of 73, emphasizing the distinction in quality amongst providers.
Note that the given range represents MoneyGeek's baseline scoring system, with individual scores potentially varying for different profiles of drivers. Consider these differences when choosing an insurance carrier because the best fit could depend on specific driver characteristics.
How does MoneyGeek score companies?
MoneyGeek's scoring system prioritizes customer satisfaction and affordability, with significant emphasis also given to claims handling and offered coverages. These factors together form a holistic view of an insurer's value to the customer, ensuring that users can find a balance between cost, service quality and breadth of protection that best suits their needs.
Certain insurers in the state, such as Dairyland, were not eligible for a MoneyGeek score due to incomplete data across all five scoring components. Nevertheless, Dairyland demonstrates a strong performance in key coverages, providing notable options within specific areas of their service.
| American Family | 90 | $2,343 |
| Travelers | 89 | $865 |
| State Farm | 86 | $1,365 |
| Progressive | 81 | $1,512 |
| GEICO | 78 | $1,403 |
| Allstate | 73 | $2,082 |
| Dairyland | No Data | $4,607 |
American Family is the best option in Delaware for the best full coverage car insurance. Its comprehensive coverage offerings, competitive pricing and excellent customer satisfaction set it apart. Here are the top two providers:
American Family has superior claims handling and the highest coverage options available. These factors contribute significantly to their leading position in the state, providing customers with a blend of quality service and extensive protection.
In Delaware, drivers have a wide range of choices when it comes to finding the right car insurance to fit their needs. However, costs and service experiences can vary significantly between companies. For those looking to balance cost with quality, it's worth exploring options that offer the cheapest full coverage car insurance in Delaware. MoneyGeek's analysis includes these cost-effective choices, helping drivers save without compromising on their coverage needs.
Ranks 1st for customer satisfaction.
Ranks 1st for claims handling.
Offers rare coverages like OEM and Auto Death Indemnity.
Ranked 6th for affordability, average annual premium of $2,343.
Does not offer Rideshare insurance.
American Family's exceptional satisfaction and top-notch claims handling are the primary drivers behind its high MoneyGeek score, showcasing a commitment to customer contentment and efficient claims service. The company comes equipped with Roadside Assistance and Rental Car and/or Travel Reimbursement, ensuring a comprehensive protective net for drivers on the road. It also provides Accident Forgiveness and Gap Insurance — safeguards that can offer financial reprieve during unforeseen mishaps and depreciating asset values.
Drivers will find value in American Family's unique offering of Original Equipment Manufacturer (OEM) coverage, a rare coverage that ensures vehicle repairs with factory-original parts — a significant perk for maintaining car integrity and performance. Auto Death Indemnity Coverage also offers financial support to beneficiaries in the direst of circumstances, adding an extra layer of assurance.
With these specialized coverages, paired with a perfect Satisfaction score of 35 (out of 35) and an excellent Claims Handling score of 20 (out of 20), American Family solidifies its standing as a top-tier insurance provider with the financial stability for enduring customer trust, reflected in its Stability score of 3 (out of 3).
American Family is the best option in Delaware for outstanding car insurance customer service.
American Family stands out in Delaware for its superior customer service, as reflected in a near-perfect satisfaction score. The company also excels in claims handling and coverage options. Although American Family's annual premium is higher than that of Travelers, customers are paying for a more consistent service experience.
In Delaware, drivers encounter a range of car insurance providers, each with differing levels of customer satisfaction and claims handling experiences. Outstanding claims experiences are important; they can make a substantial difference during the stressful period following an accident, which is why companies like American Family that score high in client satisfaction and claims handling, set themselves apart in the industry.
Ranks well for customer satisfaction.
Ranks well for claims handling.
Offers rare coverages like OEM coverage and accident forgiveness.
American Family boasts exceptional satisfaction (45 out of 45) and claims handling (30 out of 30) scores that are major contributors to its stellar MoneyGeek Score of 98. It includes Roadside Assistance and Rental Car and/or Travel Reimbursement, cementing its positive standing.
American Family offers a suite of valuable coverages that cater to diverse needs. Original Equipment Manufacturer (OEM) coverage, widely applicable and valued by many drivers, ensures repairs are made with original equipment, maintaining your car's integrity and value. Although Auto Death Indemnity Coverage provides a layer of financial security in tragic circumstances.
The high satisfaction score reflects the company's consistent customer service, while the perfect claims handling score assures timely and fair claim resolution. These attributes, along with its stability score of 3 (out of 3), make American Family an outstanding option for car insurance customers seeking thorough protection and peace of mind.
American Family is the best option in Delaware for drivers seeking the most beneficial car insurance for minimum coverage. Providing outstanding service and coverage at a competitive price, these top two providers have set the bar:
American Family stands out in Delaware primarily due to its superior satisfaction and claims handling scores, which contribute significantly to its near-perfect MoneyGeek score. Offering the minimum insurance required by law in Delaware at an annual premium of $1,316, American Family delivers not just affordability but also a comprehensive service experience.
In Delaware, while many insurers may offer economically priced minimum coverage car insurance, the downside of opting for only the minimum required is potential underinsurance. It may leave drivers financially vulnerable in the event of an accident because costs can quickly exceed policy limits, leading to out-of-pocket expenses.
Offers common discounts such as bundling, multiple car and safe driving.
Ranks 1st for both customer satisfaction and claims handling.
Ranks 5th for affordability with an average annual minimum coverage premium of $1,316.
American Family leads with stellar satisfaction (25 out of 25) and claims handling (20 out of 20) scores, making these the driving forces behind its high MoneyGeek Score of 89. The average annual premium for American Family policyholders is $1,316, signifying cost-effective coverage year-round. Policyholders benefit from discounts such as airbag and defensive driving, as well as rare discounts like Automatic payment and Early signing, enhancing the value further.
Moreover, customers are rewarded for loyalty and eco-friendly practices with loyalty and paperless billing discounts, which are valuable for long-term clients who prefer digital over paper communications, reinforcing convenience and sustainability. American Family's affordability score is an impressive 31 (out of 40). This, paired with top-notch satisfaction and claims handling scores, positions American Family favorably in the insurance marketplace, contributing greatly to its overall MoneyGeek Score of 89. Customers can enjoy peace of mind with the assurance of stability (3 out of 5) and coverage (10 out of 10) excellence.
Driver age significantly influences car insurance rates in Delaware, with various insurers optimizing their rates and services for differing age groups. MoneyGeek found that State Farm, with a rounded score of 86, offers the best car insurance for teens at an annual premium of $1,781.
Meanwhile, Travelers stands out for young adults, scoring 89 and charging $939 annually. For seniors, American Family leads with a MoneyGeek score of 91 and an annual rate of $2,008. Each company excels by offering coverages and discounts tailored to the respective age groups they serve best.
Best for teens: State Farm
Best for seniors: American Family
Best for young adults: Travelers
State Farm is the best option in Delaware for the best car insurance for teens based on its impressive MoneyGeek score.
What sets State Farm apart is its top-tier performance in customer satisfaction and affordability, which play a significant role in the comprehensive MoneyGeek score. Priced at $1,781 annually for a teen policy, State Farm stands as the more economical choice, reinforcing the idea that adding a teen to a family policy is a more affordable option than a standalone teen policy. For parents looking for cheap car insurance for a teen in Delaware, State Farm demonstrates a balance of cost efficiency and reliable service.
Car insurance premiums skyrocket when adding a teen in Delaware and other states, largely because younger drivers are statistically more likely to be involved in accidents, leading to more claims. Insurers price this risk into teen policies, making it costly to insure this demographic. Nevertheless, a family policy typically dilutes this cost increase, making it a more viable financial decision for families.
Offers Good Student, Distant Student and Driver's Education discounts.
Ranks 1st for customer satisfaction.
Ranks 1st for affordability; average annual premium $1,781 for full coverage.
State Farm secures a leading MoneyGeek Score, bolstered by top-notch satisfaction and stability, each earning a perfect 35 (out of 35) and 5 (out of 5) respectively.
State Farm's commitment to supporting young drivers extends beyond the classroom with discounts that encourage responsible habits and education. Good Student Discount rewards academic excellence, allowing students maintaining a B average to secure savings. For those journeying to school, the Distant Student Discount steps in, cutting costs for those over 100 miles away from their parked cars. Additionally, the Driver's Education discount incentivizes young drivers under 21 to complete a driver education course, promoting safer driving from the get-go.
Beyond discounts tailored for youth, State Farm provides common coverages like Roadside Assistance and Rental Car and/or Travel Reimbursement — essential services that offer peace of mind during unexpected vehicle troubles and necessary trips away from home.
American Family is the best option in Delaware for car insurance for seniors. These providers stand out:
American Family distinguishes itself by its exceptional customer satisfaction rating, which greatly influences its MoneyGeek score. This company provides a balanced package of affordability, claims handling and coverage options. For seniors seeking cheap car insurance in Delaware, American Family's annual premium of $2,008 underscores the reality that obtaining cost-effective policies may command a modest premium compared with those in their younger years.
Car insurance costs for seniors can be on par with those for middle-aged adults in Delaware and elsewhere. MoneyGeek sourced rates to reflect senior drivers in their 60s. It's important to note, however, that seniors in their 70s and 80s might observe higher rates, because insurance costs can increase with age. If cost is your primary concern, explore cheap car insurance options for a senior in Delaware.
Offers roadside assistance, rental car and travel reimbursement.
Ranks 1st for non-claims customer satisfaction.
Ranks 1st for claims handling.
Ranks 5th for affordability, with an average annual premium of $2,008.
American Family stands out with a perfect satisfaction score of 35 and maximum claims handling score of 20, underscoring its dedication to customer service and efficient claims processing, which are primary factors contributing to its impressive MoneyGeek score of 91. With an average annual premium of $2,008, American Family does not offer a senior discount, but its competitive pricing and a range of other discounts may still help seniors to economize.
Roadside Assistance from American Family provides aid for various roadside troubles, whether you're in your driveway or on the highway, which seniors may find particularly reassuring. Rental Car and/or Travel Reimbursement come to the rescue when your vehicle is unavailable due to repairs, ensuring minimal disruption to your routine. These benefits affirm American Family's commitment to coverage and care that meet the needs of customers of all ages.
Travelers is the best option in Delaware for car insurance for young adults. Young drivers looking for solid coverage at an affordable rate should consider the top two providers:
Travelers stands out particularly for drivers in their 20s, scoring high in customer satisfaction and offering the most affordable premium on the list. The highest contributors to its MoneyGeek score were its affordability and claims handling. For young adults, a policy with Travelers would likely cost around $939 annually, which is a competitive rate for cheap car insurance for a young adult in Delaware.
Car insurance for young adults tends to be more expensive than for older drivers due to the perceived increased risk. Younger drivers are statistically more likely to be involved in accidents, leading insurers to charge higher premiums to offset the potential cost of claims. This trend is consistent across Delaware and other states.
Ranks well for customer satisfaction.
Ranks 2nd for claims handling
Ranks 1st in affordability, average annual premium $939.
Offers Good Student, Distant Student and Driver's Education discounts.
Travelers shines with its top-tier Affordability score and robust Satisfaction rating, pivotal factors for its impressive overall MoneyGeek Score of 89. Travelers caters to young drivers with valuable discounts such as Good Student, Distant Student and Driver's Education discounts. Moreover, the company equips policyholders with Roadside Assistance and Rental Car and/or Travel Reimbursement.
Customers also benefit from a range of car insurance coverages serving diverse needs. Accident Forgiveness ensures that after your first accident, your rate doesn’t increase, a vital safeguard for cautious drivers. Gap Insurance covers the difference between your car's depreciated value and the amount you owe, a wise choice for newer car owners. Lastly, New Car Replacement adds superior protection, offering a replacement car if yours is totaled, a true comfort for those driving new vehicles.
Travelers’ high satisfaction (29 out of 35), unmatched affordability (30 out of 30) and strong claims (18 out of 20) scores further cement its status as an insurer that prioritizes its customers' experience and budget.
American Family is the best option in Delaware for drivers with offenses looking for car insurance.
American Family stands out in Delaware with its high MoneyGeek score, influenced by robust customer satisfaction, affordability and excellent claims handling. These factors are particularly valuable to drivers with speeding tickets, at-fault accidents and DUIs. Furthermore, the company's annual premium is competitive, especially considering these driving offenses. To get cheap car insurance as a high-risk driver in Delaware, you may be looking at a higher payment than what is typically expected for more experienced drivers in their prime years.
Car insurance is generally more expensive for drivers who have incurred violations such as tickets, at-fault accidents or DUIs. Insurers view these drivers as higher risk, which often translates into higher premiums to offset the greater likelihood of future claims. This trend is consistent across various states, including Delaware, as providers aim to manage their risk exposure while offering coverage.
Ranks well for customer satisfaction.
Ranks well for claims handling.
Offers roadside assistance and rental car reimbursement.
Provides accident forgiveness and gap insurance.
Ranks 6th for cost, with an average annual premium of $3,006.
Lacks OEM coverage.
American Family's standout satisfaction score of 35 (out of 35) and claims handling score of 20 (out of 20) are the pillars contributing to its impressive 89 (out of 100) MoneyGeek Score. American Family shines with its tailored coverages for drivers with a less-than-perfect driving history. Roadside Assistance provides peace of mind, wherever your vehicle may break down while Rental Car/Travel Reimbursement ensures mobility even when your car is unavailable.
Accident Forgiveness protects your rates from skyrocketing after your first at-fault accident, and Gap Insurance is invaluable if you owe more on your car loan than your vehicle is worth, ensuring you're not out of pocket if your car is totaled. These thoughtful options, combined with American Family's high customer satisfaction and claims scores, underscore the company's commitment to serving drivers with diverse needs.
Travelers is the best option in Delaware for car insurance for drivers with new cars.
Travelers shines among car insurance providers in Delaware. MoneyGeek filtered out insurers lacking either New Car Replacement and/or Better Car Replacement coverages, which are crucial for drivers with new vehicles. Travelers' leading MoneyGeek score is a testament to its satisfaction, affordability, claims handling, coverage options and stability.
With an annual cost of $1,203, Travelers stands out not just for its lower premiums but also the possibility of savings in case of an accident. Although the premium may be higher compared with providers without New or Better Car Replacement, this coverage can be financially beneficial because it ensures that the insured gets a settlement that reflects the value of a new car, rather than the depreciated value, in case of a total loss.
Ranks well for customer satisfaction.
Ranks 1st for claims handling.
Ranks 1st in affordability, average premium $1,203 for full coverage.
Offers New Car Replacement coverage.
Travelers stands out with top scores in affordability (30 out of 30) and claims handling (20 out of 20), driving its impressive MoneyGeek Score of 93. The average annual premium for Travelers is $1,203.
Travelers' New Car Replacement coverage is a safeguard for new car owners, ensuring that if their vehicle is totaled, they won’t bear the brunt of depreciation. Instead, they get compensated for a brand-new car — not just the depreciated value. This coverage, paired with reliable claims handling, offers peace of mind to drivers who want to maintain their vehicle’s value over time.
Travelers also provides Roadside Assistance and Rental car and/or travel reimbursement, as well as Accident Forgiveness and Gap Insurance, which, for example, becomes essential when you owe more on your car loan than the vehicle is worth. Their leading satisfaction score of 28 (out of 35) signifies a high level of customer satisfaction, reflecting the company's reputation for exceeding policyholder expectations.
USAA is the best option in Delaware for car insurance tailored to military personnel. Its balanced mix of affordability and customer service exemplifies the ideal insurance provider.
USAA's service caters specifically to current and former military members and their families, offering them superior service that's reflected in their high MoneyGeek score. With an annual premium of $946, members who choose USAA not only receive quality service but also benefit from a cost-effective option. For those military drivers in Delaware focused on finding the most affordable rates, exploring the cheapest car insurance in Delaware for military drivers can also offer substantial savings.
Ranks 1st for customer satisfaction.
Ranks 2nd for affordability, with an average annual premium of $946 for full coverage.
Offers common coverages like Roadside Assistance and Rental car/travel reimbursement.
USAA excels primarily due to unparalleled satisfaction (35 out of 35) and affordability (30 out of 30). Exclusively serving military families, both active-duty and retired, USAA’s average annual premium stands at a competitive $946.
USAA’s coverage options are customized to address a plethora of driver needs. Accident Forgiveness stands out — if you’re accident-free for five years, your rates won’t go up after one at-fault accident, granting peace of mind to responsible drivers. Roadside Assistance offers vital services like towing, jump-starts and lockout assistance, ensuring help is at hand during vehicle mishaps. Rental Car and/or Travel Reimbursement promises to ease the inconvenience when your car is being repaired after a covered accident. These coverages by USAA provide a comprehensive safety net that resonates with the needs of its unique clientele.
When searching for the best car insurance in Delaware, look for providers that blend affordability with financial stability and a history of excellent customer service. MoneyGeek has streamlined this process to identify such insurers for you. However, if you prefer to conduct your own research, be prepared to follow a comprehensive methodology to ensure you're making an informed decision.
Exceptional customer service is important for car insurers in Delaware, ensuring prompt and fair handling of claims. Prospective policyholders are advised to consult independent data providers like JD Power and NAIC for comprehensive company evaluations. American Family stands out in Delaware, per MoneyGeek's analysis, with a perfect customer satisfaction score of 45 out of 45 and a claims score of 30 out of 30.
Comparing car insurance quotes in Delaware can lead to significant savings without compromising on service quality. It's crucial for consumers to conduct their own research to identify the most cost-effective options based on their unique profiles. MoneyGeek's findings indicate that American Family offers the best rate for minimum coverage in Delaware, with an annual premium of $1,316.
The coverage options provided by car insurers are integral to their offerings. Customers should thoroughly investigate which insurers deliver the coverages that best align with their needs. According to MoneyGeek's research, American Family received a perfect coverage score of 10, indicating it offers the four key coverages of Rental Car and/or Travel Reimbursement, Roadside Assistance, Gap Insurance, and Original Equipment Manufacturer coverage.
Selecting a car insurer with a robust financial stability rating is key to minimize the risk of unpaid claims due to financial instability. MoneyGeek's analysis reveals that Travelers, State Farm and GEICO each have a perfect stability score of 5, indicating the highest financial strength rating of A++ from A.M. Best and an exceptionally low risk of financial failure.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
American Family is the best car insurance in Delaware overall, with a MoneyGeek score of 90. The company boasts a high satisfaction ccore of 35 out of 35 and a claims handling score of 20 out of 20, reflecting exceptional customer service and claims processing. The annual premium for its coverage is $2,343.
American Family is also recognized as the best for cheap car insurance in Delaware, with an annual premium of $1,316 for a minimum coverage policy and a MoneyGeek score of 89. While minimum coverage policies are the most affordable, they offer less protection than full coverage policies. Consumers can find affordable full coverage options by comparing quotes from multiple insurers.
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.
