With nearly 970,000 people with an average of two cars per household, Delaware is an incredibly dense state, despite its small size. With that many cars on the road, there is a high chance of an accident, meaning you need a good Delaware auto insurance policy to help cover the costs.
In this guide, we’ll highlight the best Delaware car insurance companies, especially those that have a strong local presence in the First State. Taking note of our review of the industry’s best auto insurance companies, we’ll consider the top car insurance in Delaware for your wallet and your safety.
You can use our tool below to collect personalized car insurance quotes from providers in Delaware.
In this article:
- Cheapest Car Insurance Companies In Delaware
- Best Delaware Car Insurance Providers
- What Are Delaware's Auto Insurance Requirements?
- Delaware Driving Tips And Stats
- Final Thoughts On Auto Insurance In Delaware
Cheapest Car Insurance Companies In Delaware
According to our rate estimates, State Farm offers the cheapest full coverage insurance in Delaware at an average of $1,094 per year. USAA, Travelers, and Progressive also offer rates under $2,000 annually for good drivers.
|Car Insurance Provider||Average Annual Cost Estimate|
How Much Does Delaware Auto Insurance Cost?
Compared to the national average, Delaware auto insurance is very expensive. In fact, it is the eighth-most expensive state in the U.S.
According to the National Association of Insurance Commissioners (NAIC), the cost of Delaware auto insurance was $1,393 in 2018, while the national average was $1,056.
Here’s a breakdown of the coverage costs that year:
|Type Of Coverage||Average Annual Expenditure|
*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Delaware drivers actually spent on auto insurance in 2018.
Why is car insurance so expensive in Delaware? State-by-state car insurance costs vary for a range of reasons. These include the required insurance minimums, how often drivers purchase new cars, highway driving, and urban density.
According to Statista, Delaware is the eighth-most populous state. Data USA found Delaware’s median household income of $64,805 to be above the national average, indicating more cars and newer cars per family.
Annual Delaware Car Insurance Estimates By Age
In Delaware, a 24-year-old driver can pay 43 percent more for car insurance than 35-year-olds. This is because younger drivers have less road experience and are considered higher risks.
|Age||Delaware Annual Car Insurance|
Annual Delaware Car Insurance Estimates By Gender
Gender doesn't affect car insurance rates much in Delaware. In fact, men only pay less than one percent more than women.
|Gender||Delaware Annual Car Insurance|
Annual Delaware Car Insurance Estimates For Drivers With Bad Credit
In Delaware, having a fair credit score can raise your rate by about 17 percent, while having a poor score can raise it by about 67 percent.
|Credit Rating||Delaware Annual Car Insurance|
Annual Delaware Car Insurance Estimates For Bad Drivers
In Delaware, a single speeding ticket can increase your rates by 16 percent, and having a DUI can raise them by 48 percent.
|Driving Record||Delaware Annual Car Insurance|
Best Delaware Car Insurance Providers
In order to choose the best car insurance in Delaware, we considered many factors, including availability in the state, cost, and quality of the plan.
We looked into what company has the cheapest car insurance in Delaware. With high prices across the state, you need a company with great discounts if you have a strict budget. Overall, USAA offers the lowest prices, but since it has exclusions for membership, it didn’t quite top our list.
Lastly, we used our five-star rating system, local customer reviews, and industry stats to select our winners.
|Best Delaware Auto Insurance||Motor1 Rating||Average Cost|
*Not all companies were included in our rate estimates for each state. You may also notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Delaware.
#1 Geico Insurance: Customer Favorite
Geico auto insurance has topped the ranks of many of our studies, including coming in second place in our nationwide survey. Though Geico only has one in-person location in Wilmington, Delaware, the office has a high number of positive Google reviews. A few glowing reviews include:
“Always helpful when [a] problem arises. The local office here in Delaware is the best.”
“I was very pleased with the service I received. They also went above and beyond to make my son who loves lizards feel a part of the Geico family! Thanks, Wilmington branch!”
The current agent at the Wilmington, Delaware location has managed it since 2005 and helps customers find discounts when they work with local organizations or attend state universities. The office even recently won awards from within Geico, including:
- Top Performer award at the 2018 National Conference
- Geico Military 2-Star Award
- Gatekeeper/Guardian Awards (2006–2014), an award for attention to the local community
Geico is a respected and established company, having topped the charts throughout the industry, including being at the top of J.D. Power’s U.S. Auto Insurance Study℠ for the Northwest and North Central regions. Geico is accredited by the Better Business Bureau (BBB) and earned the top rating from AM Best for financial strength. In our own rankings, we gave Geico 4.5 stars out of 5.0.
As one of the largest insurance companies in the U.S., Geico can afford to offer extensive cost-saving plans depending on your driver profile, including discounts for:
- Military members
- Good students
- Federal employees
- Multi-vehicle and multi-plan customers
Geico also offers a usage-based program in its DriveEasy app. This helps good drivers lower their rates for demonstrating good driving habits.
Overall, Geico shines when it comes to its claims process, earning positive remarks from J.D. Power.
|A+ rating from the BBB and A++ financial strength rating from AM Best||Average quotes experience|
|Many choices for coverage||Usage-based app not available in all states|
|High level of customer satisfaction|
|Available in 50 states|
To learn more about the car insurance provider, check out our full review of Geico car insurance.
#2 Travelers Insurance: Second Cheapest
Travelers Insurance is a major player in the national insurance industry and supports about 13,500 independent agents. It currently holds the highest rating from AM Best for financial strength.
While quotes are available online and by phone, Travelers primarily works through independent agents. There are a number of Travelers agents scattered across the state of Delaware. This option allows you to work with a local representative who is not tied to a specific company, but can offer expertise about coverage. Many local agents can help you bundle your car insurance plan with home, life, and business coverage.
The insurer also offers an impressive number of discounts, especially for students and new drivers. Students that maintain a B average or above qualify for an eight-percent discount, for example. Students can also save by taking driving courses or registering for a driver-away-from-home program.
Working with a small agency doesn’t mean you have to sacrifice in-depth coverage. Along with basic coverage, you can receive the following through Travelers:
- Roadside assistance
- Rental car reimbursement
- Gap insurance
- New car replacement
- Accident forgiveness
Since Travelers Insurance ranked highly in our national study and collaborates with many local Delaware agents, this is a great pick for those looking to work with a small business.
|Excellent financial strength rating and A+ rating from the BBB||Expensive coverage|
|New driver discounts||Mixed customer service reviews|
|Available in 50 states|
|Fairly easy quote process|
To learn more about the car insurance provider, check out our review of Travelers car insurance.
#3 USAA Insurance: Cheapest
When lined up against other top national and Delaware auto insurance companies, USAA was the only one that scored 5.0 out of 5.0 stars in our 2021 review. The only drawback is that USAA insurance is only available to active, retired, and separated veterans with a discharge type of “Honorable” and their eligible family members. Eligible family members include:
- Former spouses who joined during marriage
USAA offers insurance to families in all 50 states. Overall, we found that USAA has affordable car insurance in Delaware with reliable services across the board. It received an A++ from AM Best and topped the charts of several J.D. Power studies in 2020, including the Insurance Shopping Study and Auto Claims Satisfaction Study, though it is often removed from the running due to its membership restrictions.
In addition to standard coverage, you can add on these types of coverage:
- Accident forgiveness
- Gap insurance
- Car replacement assistance
- Rental reimbursement
- Roadside assistance
Generally, USAA customers are happy with both the price they pay and the service they get – which makes it a great choice for auto insurance in Delaware. Plus, USAA provides some more perks for military members, including:
- Deployment FAQ
- Military pay calculator
- Military separation checklist and assessment
- Permanent change of station (PCS) moving checklist
- Personalized military timeline
- Up to a 15-percent discount for garaging a car on base
- 60-percent discount during deployment
|Affordable rates and numerous discounts||Only available for military and their families|
|Good option for military members|
|Superior financial strength rating and A- rating from the BBB|
To learn more about the car insurance provider, check out our review of USAA car insurance.
#4 Root Insurance: Best Usage-Based Option
Root Insurance is a relatively young auto insurance provider that began as a startup in Ohio in 2015. The company differentiates itself from other insurance providers in several ways. The most significant is that it weighs your driving behavior first, not record, when calculating premiums. To get a quote, you first have to take a test drive with the Root mobile app, which can take a couple of weeks.
Root also doesn’t ensure bad drivers, so it pays out less often. This means that Root Insurance can charger lower monthly premium for Delaware auto insurance. Root’s website claims that drivers can save as much as 52 percent on their current insurance payment by switching to Root. While you can’t pull up insurance quotes online, people do attest to getting good prices, at least during the first six months. For some, rates may go up after that depending on a number of factors. If you are a good driver, you can probably find a rate through Root that is less than what you are paying now.
Keep in mind that Root can monitor how much you use your phone while driving for the test drive. If you use it during your trips, your driving score will go down. That’s a good thing because distracted driving is linked to all kinds of accidents.
While Root Insurance offers the standard types of coverage, which automatically includes roadside assistance, the company does not offer:
- Gap insurance
- Rideshare coverage
- Commercial or small business car insurance
- Specialized vehicle insurance for ATVs, boats, motorcycles, and RVs
- Home, travel, or pet insurance
- Umbrella coverage
- Bundling home and auto insurance
|Great rates for good drivers||May deny coverage depending on your driving behavior|
|Everything is done through a mobile app, making for a simple quotes/claims process||No personal agents assigned to your policy|
|Includes roadside assistance||
Only available in 30 states
|A+ rating from the BBB||
Not rated by AM Best
To learn more about the insurer, check out our complete review of Root Insurance.
#5 State Farm Insurance: Best For Students And Teens
State Farm car insurance is the largest and one of the most popular car insurance company in the United States, and with good reason: The provider offers reasonable rates, a large assortment of rewards programs, a variety of coverage options, and good customer service.
We recommend State Farm if you are looking to bundle your auto insurance policy with home or life insurance to save money. You can also find options for State Farm motorcycle insurance, boat insurance, ATV insurance, motorhome insurance, and more.
State Farm offers a good selection of discounts for Delaware auto insurance, which is very appealing for budget-conscious drivers. Discounts include:
- Safe driving discounts: You can get discounts for having a clean driving record, no accidents or moving violations for three years, completing a defensive driving course, putting your kids through driver’s ed, and being a good student away at school.
- Safe vehicle discounts: With State Farm, you can get discounts for having a modern vehicle with safety features and anti-theft mechanisms. However, at a certain point, high-tech safety features may cost more to repair and can increase overall rates.
- Loyalty discounts: You can also get up to 20 percent off by insuring multiple vehicles on your Delaware auto insurance policy, and 17 percent off by bundling auto with another policy like homeowners insurance or life insurance.
State Farm insurance reviews are also largely positive. Overall, State Farm auto insurance customers are happy with their coverage and enjoy affordable rates.
|Largest auto insurer in the country||Reported errors with autopay|
|Extensive selection of discounts for teens and students||Not taking new customers in Massachusetts or Rhode Island|
|Superior financial strength rating and A+ rating from the BBB||Higher rates than some competitors|
|Easy online quotes process|
|Available in 48 states|
To learn more about the car insurance provider, check out our review of State Farm auto insurance.
#6 Allstate Insurance: Best Local Service
Now one of the largest publicly held personal property and casualty insurance companies in the United States, Allstate serves more than 16 million American households. But unlike some other national car insurance companies, Allstate car insurance works through a network of local agents to provide coverage.
Allstate has a Superior financial strength rating with AM Best and an A+ rating with the BBB. In addition to these basic types of coverage, Allstate auto insurance offers:
- Rideshare insurance
- Classic car insurance
- Travel insurance to and from Mexico
- Custom parts coverage
There are a number of ways to get discounted rates for your Allstate car insurance in Delaware, including bundling with other policies like Allstate motorcycle insurance, home insurance, renters insurance, and more. Some discounts include:
- New car discounts for the first owners of a vehicle
- Multi-car and multiple-policy discounts for customers who bundle home and auto insurance policies
- Student discounts for drivers under 25
- Anti-lock brake and anti-theft discounts for equipped cars
- Early signing discounts for policyholders who sign early
- EZ pay plan discounts for policyholders who use Allstate’s automatic withdrawal feature
- Allstate eSmart® discounts for policyholders who go paperless
- FullPay® discounts for customers who pay their full premium at one time
- Safe driving discounts for policyholders who meet safe driver requirements
|Works through a network of local agents to provide coverage||Expensive|
|Superior financial strength rating by AM Best and A+ rating with the BBB||Mixed customer service reviews|
|Mileage-based discount program|
To learn more about the car insurance provider, check out our review of Allstate car insurance.
#7 Nationwide Insurance: Best Customer Service
Although Nationwide doesn’t offer the lowest rates for everyone, this provider is a strong competitor due to its extensive plan options and helpful technology. It is well suited for tech-savvy drivers, as it has an extensive online portal that gives you access to everything from quotes to paying your bills, filing a claim, and requesting roadside assistance. The company also has programs geared toward safe drivers, such as Nationwide’s SmartRide® program, which gives drivers a discount after they allow the company to track their safe driving practices for a set period of time.
AM Best gave Nationwide an A+ (Superior) rating for financial strength. The BBB rates Nationwide at A+, too. Nationwide has nearly 234 customer complaints logged with the BBB in the last three years, but for a company of its size, that number isn’t unusual.
Most drivers qualify for at least one of Nationwide’s discount plans on Delaware auto insurance. Here are some of the ways you can save money:
- Bundling: Bundle with other types of Nationwide insurance.
- Usage-based policy: Join the company’s usage-based program SmartRide.
- No accidents: Go accident-free for a set amount of time.
- Good student: Maintain a B grade average if you’re between the ages of 16 and 24.
- Safe driver: Prove safe driving habits.
- Defensive driver: Complete a defensive driving course.
- Vehicle features: Install anti-theft equipment.
- Pre-pay policy: Sign up for automatic debits.
- Membership: Join a partner organization.
|A+ financial strength rating from AM Best and A+ rating from the BBB||Mixed customer reviews depending on location|
|Many choices for coverage||Expensive|
|Usage-based insurance options||Difficult quotes process|
To learn more about the car insurance provider, check out our review of Nationwide car insurance.
As you can tell, there are a lot of different Delaware auto insurance providers, each with their own pros and cons. The best way to find the cheapest car insurance for you is to compare multiple car insurance quotes. In order to receive free, personalized quotes, simply fill out the form below by entering your zip code.
What Are Delaware's Auto Insurance Requirements?
Finding cheap and quality car insurance varies by state. Federal law does not mandate car insurance laws, but instead, leaves it up to each state to set coverage limits, financial responsibility laws, and penalties for skimping on the rules. These parameters also affect the cost of monthly premiums.
Delaware is rather straightforward when it comes to car insurance laws. All drivers must have liability insurance and something known as personal injury protection insurance.
Here are the details for auto insurance in Delaware, as well as the state-mandated limits:
Bodily injury liability (BI)
$25,000 per person and $50,000 per accident
Covers the other driver’s injuries and their passengers’ injuries in an accident you cause
Property damage liability (PD)
Covers damage to another person’s property in an accident you cause
Personal injury protection (PIP)
$15,000 per person and $30,000 per accident
Covers medical expenses and lost wages for those in your car if you caused the accident, as well as up to $5,000 toward funeral costs
We like to think of state requirements as a bare minimum. Though you can legally stick with these basics, we always recommend full coverage auto insurance personalized to your needs.
Delaware Is A Fault State
Car insurance limits are typically based on whether they apply to a no-fault or at-fault state. Delaware is a fault state, the more common of the two. This means the cost of injuries and property damage falls to the person who caused the accident and their own car insurance provider.
What Is The Penalty for Driving Without Insurance in Delaware?
Driving without auto insurance in Delaware can get you a pretty hefty fine and a license suspension for six months. After the first offense, uninsured drivers pay no less than a $15,000 fine and double this for any remaining offenses.
Delaware Driving Tips And Stats
Though insurance laws are quite straightforward, Delaware car insurance plans are typically more expensive than the national average due to a high number of traffic accidents.
If you’re getting ready to move to Delaware, you’ll have a 60-day grace period to get over to the Department of Motor Vehicles and switch out your old state license. You also need to register your vehicle within this time, which means you need to purchase new auto insurance or update your details with your current company.
As a small state, you can get from the southern tip of the state to the northern tip in under two hours without traffic. Residents commute about 25 minutes for work each day. Delaware has banned cell phone use while driving since 2011, and violators can receive tickets between $100 and $300.
Final Thoughts On Auto Insurance In Delaware
Due to high rates of traffic accidents, we strongly recommend finding a car insurance company in Delaware in which you have confidence and can call for help without hesitation. With Geico and Travelers topping our list, Delaware drivers are in good hands with the state’s car insurance options.
With our suggestions in mind, we recommend that you collect quotes from several providers. You can use our tool below to get started.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
Read our other articles on car insurance:
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- Top Delaware Car Insurance Companies
- Best Vermont Car Insurance
- Nationwide Vs State Farm
- Automobile Self Insurance
- Amica Vs Geico
- Webb Insurance Review
- Preferred Auto Insurance Review
- Central Auto Insurance Review
- Amco Auto Insurance Review
- Southern Farm Bureau Car Insurance Review
- Workmens Auto Insurance Review
- Charter Oak Insurance Review
- Acuity Auto Insurance Review