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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Drivers in Delaware pay a monthly average of $209 for car insurance. Delaware’s rates tend to be higher due to the state’s heavy traffic, high rate of vehicle thefts, and insurance requirements.[1]
That said, many companies offer rates well below the state average. USAA, CSAA, and Root are among the cheapest, starting at $111 per month for liability coverage.
This guide breaks down the cheapest insurers in the First State by driver and coverage type, how to choose the right company, and how to lower your car insurance costs.
USAA has the cheapest car insurance in Delaware, with rates starting at $111 per month.
Delaware drivers pay an average of $176 per month for liability insurance and $241 for full coverage.
To legally drive in Delaware, you must have at least 25/50/10 of liability coverage and 15/30 of personal injury protection (PIP).[2]
Regardless of average premiums, you can still find ways to save on car insurance in Delaware. Consider getting quotes from multiple companies, like the ones highlighted in the table below.
Here are the five cheapest auto insurance companies in Delaware, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $111 |
| CSAA | $116 |
| Root | $120 |
| National General | $153 |
| Progressive | $163 |
| State Farm | $171 |
| Dairyland | $215 |
| Direct Auto | $218 |
| Liberty Mutual | $233 |
| GEICO | $245 |
| Travelers | $262 |
| Nationwide | $359 |
| Allstate | $365 |
USAA offers the cheapest car insurance rates in Delaware, starting at $111 per month for liability coverage.
Insurers use many factors to determine premiums. We analyzed the data to find the cheapest companies for different drivers and coverage types.
Although the above companies are a good starting point, your personal rates can vary significantly by your age, credit history, driving record, ZIP code, and more.
Check out the table below for the cheapest car insurance companies in Delaware for various driver backgrounds and coverage types, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $111 |
| Full coverage | CSAA | $145 |
| Teens | CSAA | $186 |
| Seniors | USAA | $88 |
| Drivers with a speeding ticket | USAA | $142 |
| Drivers with an at-fault accident | USAA | $149 |
| Drivers with a DUI | USAA | $172 |
| Drivers with excellent credit | CSAA | $92 |
| Drivers with poor credit | USAA | $127 |
We break down each driver and insurance type below and showcase the cheapest insurers in each category.
Comparing quotes can save you up to $867.†
Delaware requires drivers to have liability coverage and personal injury protection (PIP). But most experts recommend buying more coverage than the state requires. Drivers can sue you for injuries in a no-fault state like Delaware, and higher policy limits can protect your finances.
Drivers in Delaware pay an average of $176 per month for car insurance.
If you need only minimum coverage, the chart below shows Delaware’s five cheapest companies for liability insurance, according to Compare.com data.
Most drivers should consider full-coverage car insurance because it covers damage and injuries, regardless of fault. In Delaware, full coverage usually includes liability, personal injury protection (PIP), comprehensive, and collision coverage. If you finance or lease your vehicle, your lender will probably require you to have full coverage.
Delaware drivers pay an average of $241 per month for full coverage. But even with higher rates, several companies offer full-coverage policies for close to the average liability premium in Delaware.
Take a look at the chart below, which highlights Delaware’s five cheapest companies for full coverage, according to Compare.com data.
Among all age brackets, teens are the most expensive to insure. Their inexperience, along with higher rates of distracted driving and speeding, contributes to a greater risk of accidents.[3]
The average cost of car insurance for Delaware teens is $330 per month. But you can still find a great deal if you’re a young driver or have one on your policy.
The chart below highlights the five cheapest insurers in Delaware for teens, according to Compare.com data.
Seniors tend to pay the cheapest rates of any age group.[4] They spend the least time on the road and avoid driving at night, which lowers their chances of an accident.
Delaware seniors pay an average of $174 per month for car insurance. But even with low average rates, you can likely find a better deal from several companies.
The chart below shows the five cheapest insurers in Delaware for seniors, according to Compare.com data.
Insurance companies view traffic violations and accidents as signs of risky behavior that increase your likelihood of filing future claims.[5] Even one speeding ticket can raise average premiums by 37% nationwide, according to our research.
In Delaware, drivers with a recent ticket pay an average of $280 per month for car insurance. But several insurers offer lower rates.
Check out the chart below for the most affordable options in Delaware if you have a recent speeding ticket, according to Compare.com data.
You can expect a substantial jump in your car insurance premiums if you cause an accident. Our research shows that a single at-fault accident causes average rates to increase by 41% nationwide.
The average monthly cost for drivers in Delaware with a recent accident is $299, according to our data analysis.
But you might find an even better deal from one of the insurers highlighted in the chart below.
Here are Delaware’s five cheapest companies for drivers with a recent at-fault accident, according to Compare.com data.
A driving under the influence (DUI) conviction leads to the steepest increase in car insurance rates of any violation. Our research shows average premiums rise by 61% nationwide after a DUI.
Drivers with a DUI pay an average of $336 per month for auto insurance in Delaware, based on our analysis. While that’s significantly higher than average, you don’t have to stick to expensive coverage. Some insurers still offer competitive pricing for high-risk drivers, including people with DUIs.
The chart below breaks down Delaware’s cheapest insurers for people with DUIs, according to Compare.com data.
Some insurers use credit history when pricing car insurance policies. Data shows drivers with poor credit tend to file more claims.[6] Anything that raises your chance of filing a claim increases your premium. Our research shows drivers with poor credit pay 20% more than people with excellent credit.
In Delaware, the average cost of car insurance with poor credit is $236 per month, according to our data. But not all insurers use credit, and some offer cheap rates regardless of your credit history.
The chart below shows the cheapest insurers in Delaware if you have less-than-perfect credit, according to Compare.com data.
There’s no single best car insurance company for everyone. What’s right for you depends on your budget, coverage needs, and driving history. We picked the companies below based on a mix of factors, including average rates in Delaware, available discounts, coverage options, and local customer service.
These companies are a great starting point if you’re shopping for the right fit in the Blue Hen State.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers appreciate the excellent service but find the insurance to be costly, especially in certain states.
Drivers appreciate the excellent service but find the insurance to be costly, especially in certain states.
Amica may be a great fit if you’re looking for reliable claims service and online policy management. The insurer ranks No. 2 for claims satisfaction and digital experience by J.D. Power.[7] [8] It also took the top spot for digital shopping experience.
Amica offers a unique way to earn some of your premium back, with a dividend policy. The company also provides valuable optional coverages, such as gap insurance, rideshare, and auto glass coverage.
Dividend policies available
Bundling discount available
Above-average claims satisfaction rating
Discount availability varies by state
No local offices
May not be the cheapest option
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 641 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $359/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $479/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide earns high ranks for its claims, digital, and insurance shopping experiences.[9] The company offers an extensive list of coverages, including gap insurance, roadside assistance, and rental car reimbursement.
You can also save money with Nationwide’s accident forgiveness, vanishing deductible, and total loss deductible waiver options. But the insurer ranks below average for customer satisfaction in the Mid-Atlantic region.
Many local agents
Plenty of discounts available
Highly customizable policies
Below-average customer satisfaction rating in the Mid-Atlantic region[10]
Rates may be higher than competitors
Below-average digital shopping experience score
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 666 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the friendly service but dislike the frequent and significant premium increases. Some also found it hard to reach agents and experienced issues with claims handling.
Customers appreciate the friendly service but dislike the frequent and significant premium increases. Some also found it hard to reach agents and experienced issues with claims handling.
AAA auto insurance offers affordable rates across the state, along with a wide range of discounts. But you need to be a member of AAA to qualify.
AAA may not have as many full-coverage options as some competitors. But it still offers valuable add-ons like new car replacement, gap insurance, and rideshare coverage.
Roadside assistance packages available
Above-average customer satisfaction rating in the Mid-Atlantic region
Above-average claims satisfaction rating
Must have AAA membership
May not be able to complete purchases online
Few optional coverages available
Local rates start as low as $111 per month.
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Delaware, like nearly all states, requires people to have car insurance to legally drive. You also have to carry proof of insurance, like an insurance identification card, in the vehicle at all times.
The Delaware DMV requires the following minimum coverage:
$25,000 per person and $50,000 per accident of bodily injury liability coverage
$10,000 per accident of property damage liability coverage
$15,000 per person and $30,000 per accident of personal injury protection
You may also want to consider optional uninsured motorist coverage. Around 18% of Delaware drivers don’t have car insurance, according to the Insurance Information Institute (Triple-I).[11] You’d have to pay for any damages out of pocket if an uninsured driver hits your car.
Delaware’s minimum insurance requirements may fall short in a serious accident. For instance, medical bills could quickly exceed $50,000, and many vehicles will cost more than $10,000 to repair.
You can further protect your finances with optional coverages like rental reimbursement, roadside assistance, and gap insurance. Accident forgiveness can also prevent rate increases after an at-fault accident.
Below are answers to some common questions about Delaware car insurance.
Car insurance in Delaware costs an average of $209 per month, according to Compare.com data. Delaware drivers pay $176 per month for liability coverage and $241 per month for full coverage.
USAA has the cheapest car insurance rates in Delaware, at $111 per month, according to Compare.com data.
It depends. Car insurance in Delaware can vary by several factors, including your address, age, driving history, and car make and model. On average, auto insurance costs $209 per month in Delaware, compared to the national average of $148 per month, according to Compare.com data.
Delaware requires drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage and $10,000 per accident of property damage liability coverage. You also need a minimum of $15,000 per person and $30,000 per accident of personal injury protection (PIP).
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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