Cheapest Car Insurance in Delaware

The most affordable car insurance for Delaware drivers is Travelers at just $38 monthly and $456 annually for minimum coverage. This rate is $848 less than the state's average cost. These figures are sourced from Quadrant Information Services, reflecting the cheapest options in Delaware as of December 2024. Read our research methodology to learn how we found the cheapest Delaware car insurance.

Travelers is the cheapest car insurance company for most drivers in the First State, with an average monthly cost of $55. This is $88 less than Delaware's average. Other affordable options include GEICO, State Farm, Progressive and American Family.

We used minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Travelers offers the cheapest car insurance for both minimum and full coverage for drivers in the First State. However, your rate depends on your background. Below, we highlight the most affordable car insurance rates for various driver profiles.

Read More: Cheapest Car Insurance

Along with the cheapest rate offered by Travelers, GEICO, State Farm and Progressive also offer cheap minimum liability coverage for Delaware drivers. Use the table below to explore rates for similar companies with the best minimum coverage rates in the First State and see how they compare to the monthly state average.

Travelers is the cheapest provider for full coverage auto insurance in Delaware, averaging $71 per month or $858 per year, $105 less than the state average. Check the table below for more provider options.

In Delaware, young adult drivers find the best rates with Travelers. A minimum coverage policy with Travelers averages just $38 per month for 25-year-olds.

We used minimum coverage for a 25-year-old driver with good credit and no driving violations to determine the cheapest provider.

Young drivers in Delaware can find affordable auto insurance with Travelers. They offer the cheapest rates for minimum coverage at $38 per month and full coverage at $78. Rates vary based on your driving record, but the table below is a good starting point for finding budget-friendly options.

Read More: Cheapest Car Insurance for Young Drivers

Travelers offers the lowest rates for senior drivers in Delaware at $36 per month for affordable minimum coverage.

We used minimum coverage for a 65-year-old driver with good credit and no driving violations to determine the cheapest provider.

Travelers provides affordable rates for senior drivers across various needs, including minimum and full coverage. State Farm is a good option for those with a DUI. Your quote might differ, but you can use the rates below to guide your car insurance shopping.

Read More: Cheapest Car Insurance for Seniors

Drivers in the First State with a DUI, at-fault accident or speeding ticket on record are considered high-risk by insurers and pay more for car insurance than those with clean records. Average premiums for high-risk drivers vary depending on the offense. Below are the best rates for drivers with these infractions.

Travelers offers the best rates for Delaware drivers with DUIs, averaging $70 per month ($843 per year) for minimum coverage insurance. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Delaware.

We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

Travelers is the cheapest company for drivers after an at-fault accident, averaging $38 per month ($456 per year). Below is a list of other insurers offering affordable minimum coverage for drivers with accidents on their records.

We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Travelers offers the cheapest insurance for drivers in the First State with speeding tickets at just $39 per month. Check the table below to compare other providers offering minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Travelers is the cheapest car insurance provider for drivers with poor credit scores, offering minimum coverage rates of $66 monthly and $792 annually. Check the table below for more options from other providers.

These rates are based on a 40-year-old driver with bad credit and a clean driving record.

State Farm has an affordable bundle home and auto insurance in Delaware for $1,895. See the table below for more cost-effective bundling options.

Rates are for a 40-year-old driver with good credit and no driving violations.

In Delaware, the monthly average cost of car insurance is $177 for full coverage and $109 for state minimum coverage. Understanding these averages helps you gauge if you're getting a fair deal on your auto insurance policy.

Delaware ranks second among states with high car insurance costs. Factors like dense cities, the chance of storms and more often stolen cars make car insurance expensive in Delaware.

Delaware law mandates that all drivers must have car insurance policies meeting the state's minimum coverage limits. These limits include $25,000 for bodily injury per person, $50,000 per accident and $10,000 for property damage per accident. Additionally, personal injury protection (PIP) minimums are set at $15,000 per person and $30,000 per accident. These values represent the least amount you must carry to legally drive in the state.

If you finance or lease your car, you will likely need comprehensive and collision insurance on top of the minimum liability coverages. While a minimum liability auto insurance policy is the most affordable option, it provides the least financial protection. Experts suggest opting for full coverage insurance with the highest deductible and liability limits you can afford to ensure comprehensive financial security on the road.

In Delaware, self-insurance is a common alternative to traditional car insurance. It allows you to show financial responsibility by setting aside funds to cover potential accident costs, meeting the state's minimum coverage requirements.

For business owners, fleet insurance is an option. It covers multiple vehicles under one policy, simplifying management and ensuring compliance with state laws.

MoneyGeek recommends that drivers secure full coverage car insurance, which encompasses liability, collision and comprehensive coverage. Our suggested liability limits are as follows:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for non-collision damage to your car, such as theft, vandalism or natural disasters. Collision coverage, on the other hand, takes care of damages from on-road accidents.

For those who own a valuable car, MoneyGeek advises opting for both comprehensive and collision insurance, even though it's not a legal requirement. When setting your deductible for these coverages, choose an amount you can comfortably pay out of pocket before your insurance contributes to the costs.

In Delaware, Travelers offers the cheapest full coverage car insurance at $71 and minimum coverage at $38. Cheap rates are tempting, but remember that the cheapest isn't always the best choice for car insurance. Experts agree: invest in as much coverage as you can afford for the safest financial journey.

MoneyGeek helps you find affordable car insurance in the First State by answering common questions. We focus on helping you choose the right minimum coverage for your needs, ensuring you make informed decisions without overspending.

MoneyGeek obtained Delaware auto insurance rates from the Delaware Department of Insurance and Quadrant Information Services. We examined 7,184 auto insurance quotes from eight providers across seven ZIP codes to determine the most affordable car insurance companies in Delaware.

Delaware Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Delaware:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model and military service where specified.

Standard Coverage Levels in Delaware

We compared Delaware car insurance companies offering minimum and full coverage policies. The minimum coverage liability limits in Delaware are:

• $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

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in Delaware

MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible