Cheapest car insurance in Delaware 2023

Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.

Before you pack up the car for a day at the beach, it’s important to ensure your ride is protected.

But could you be saving money on your Delaware car insurance? We looked at estimated car insurance rates across insurance companies in the state and calculated average cost, as well as insurers offering the cheapest estimated basic-coverage rates for several driver needs and profiles.

We based our calculations on a relatively neutral driver profile — for example, no tickets, claims, or accidents — to evenly compare and get a baseline view of insurers’ rates (see our full methodology). The rates you get may be higher or lower depending on your individual driving history, age, vehicle, mileage, coverage options and other factors that affect car insurance.

Read on to learn about Delaware’s average car insurance rates and our findings for the cheapest options for minimum coverage.

• Cost of car insurance in Delaware
• 5 cheapest car insurance companies in Delaware
• Cheapest full coverage car insurance in Delaware
• Cheapest state-minimum car insurance in Delaware
• Cheapest car insurance for good credit in Delaware
• Cheapest car insurance for poor credit in Delaware
• Cheapest car insurance for drivers with multiple claims in Delaware
• Cheapest car insurance for young drivers in Delaware
• Delaware auto insurance requirements
• Is usage-based insurance available in Delaware?
• FAQs about cheapest car insurance rates in Delaware
• Methodology

Cost of car insurance in Delaware

Average monthly premiums for car insurance in Delaware range from just over $95 up into the $200s, depending on the type of coverage and driver profile.

Average monthly auto insurance premiums in Delaware

5 cheapest car insurance companies in Delaware

USAA topped the list as the cheapest car insurance company for basic coverage for several driver profiles. Remember that these rates are based on a specific Delaware profile, as detailed in our methodology, so your rates may differ.

Unless otherwise noted, our Delaware driver has a credit score between 680 and 719, drives a car worth $20,000 to $30,000, has no tickets or coverage gaps and is between 36 and 45 years old. Not you? No worries — we’ve also calculated the cheapest minimum-coverage car insurance rates for Delaware drivers with various credit scores, driving histories and ages. Read on for more.

1. USAA

Our Delaware driver profile could find car insurance with USAA for as low as $53.49 per month for basic coverage. USAA car insurance is only available to drivers with USAA memberships, which are open to U.S. military members, veterans, and spouses and children of USAA members. Optional policy options include liability coverage, comprehensive coverage, collision coverage and uninsured and underinsured motorist coverage.

Customers could also qualify for discounts for bundling multiple policies, insuring multiple vehicles, setting up automatic payments or having good grades.

2. Travelers

With Travelers insurance, our Delaware driver profile could find minimum-coverage car insurance for as little as $61.29 per month. Travelers offers a wide range of coverage options, including add-on options like gap insurance, accident forgiveness and new car replacement. Plus, customers may be able to tap a generous selection of potential discounts. And they could save even more by tracking their safe driving behavior with Travelers’ IntelliDrive® program.

3. Geico

Geico could offer our Delaware driver profile insurance for as low $72.09 a month for basic coverage. Geico stands out for its wide range of coverage options and extensive discount opportunities. Plus, with Geico’s mobile app, drivers can manage their policy, get a photo estimate or request roadside assistance right from their phone.

4. Atlantic States Insurance

Our driver profile could find insurance with Atlantic States Insurance for about $84.02  per month for basic coverage. Delaware Atlantic States, a subsidiary of Donegal Group, offers additional coverage options like bodily injury, property damage liability, uninsured/underinsured motorist coverage, plus optional collision, comprehensive, towing and labor and rental reimbursement coverage.

Discount opportunities include good student discounts, safe driving discounts, safety equipment discounts, multipolicy and multivehicle discounts, driver education discounts and carpooling discounts.

5. Cal Casualty

Finally, our Delaware driver could find car insurance through Cal Casualty for as little $88.88 per month for minimum coverage. Cal Casualty offers several additional coverage options, including custom equipment coverage, pet injury coverage and identity theft protection. It also has policies designed for educators, firefighters, police officers, nurses and public safety professionals.

Cheapest full-coverage car insurance in Delaware

Full coverage insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. Delaware mandates a minimum 25/50/10 auto insurance policy, which is not considered full coverage, plus PIP minimums of $15,000 per person and $30,000 per accident. But your lender may require full coverage if you are financing your car.

The following companies have the lowest estimated rates for drivers interested in full-coverage insurance.

5 cheapest full-coverage car insurance companies in Delaware

Cheapest state-minimum car insurance in Delaware

Delaware requires drivers to carry a minimum amount of liability insurance and personal injury protection. This insurance, known as state-minimum insurance, is often the least expensive coverage you can carry.

The following companies have the lowest estimated rates for drivers interested in state-minimum coverage only.

5 cheapest car insurance companies in Delaware for state-minimum coverage

Cheapest car insurance for good credit in Delaware

Your credit is one of the many factors determining car insurance costs. In general, if you have a high credit score, you’ll pay less for insurance than someone considered to have a poor credit score.

Here are the five cheapest options for basic coverage for a Delaware driver with good credit.

5 cheapest car insurance companies in Delaware for those with good credit

Cheapest car insurance for poor credit in Delaware

On the flip side, drivers with poor credit may end up paying more for car insurance than other drivers. However, credit is just one factor that determines the cost of your car insurance. Other things, like your coverage and driving history, can also affect how much you pay monthly.

The following companies have the lowest estimated basic-coverage rates for drivers with poor credit.

5 cheapest car insurance companies in Delaware for those with poor credit

Cheapest car insurance for drivers with multiple claims in Delaware

Your claims history can also factor into your total car insurance bill. Typically, drivers with more claims on their record will pay more for car insurance than those with fewer or no claims.

These companies have the lowest estimated rates for minimum coverage for drivers with multiple claims by insurance companies.

5 cheapest car insurance companies in Delaware for multiple claims

Cheapest car insurance for young drivers in Delaware

Your age can also affect how much you’ll pay for car insurance. Typically, younger drivers are considered riskier to insure and therefore have more costly policies. As you age, and as long as you maintain a safe driving record, your premium should go down over time.

The following companies may offer the lowest estimated minimum-coverage rates for young drivers between the ages of 18 and 21.

5 cheapest car insurance companies in Delaware for young drivers

Delaware auto insurance requirements

Delaware requires a minimum 25/50/10 liability insurance, which means drivers must carry at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $10,000 of property damage liability coverage. It also requires at least $15,000 per person and $30,000 per accident for personal injury protection.

Is usage-based insurance available in Delaware?

Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. Delaware drivers may be able to save some money on their premiums through their insurers’ UBI programs.

FAQs about the cheapest car insurance rates in Delaware

Methodology

The estimated rates in this article are the lowest estimated rates for basic coverage based on the profile of a driver aged 36 to 45 living in Delaware. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000.

Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on various factors, such as your age, vehicle driving habits and history.

The average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a Delaware-mandated 25/50/10 no-fault insurance policy and 15/30 PIP coverage.

Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those aged 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.