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Last updated: March 21, 2025
Compare Cheap Auto Insurance in Delaware
Travelers and USAA offer the cheapest average rates for most drivers in Delaware.
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Car insurance in Delaware is relatively expensive at $2,784 on average for full coverage — that’s 16 percent higher than the national average. The average minimum coverage rate in the state of $1,198 is a whopping 89 percent higher than the national average of $635.
Delaware is technically an at-fault state for car insurance, but it requires drivers to carry personal injury protection coverage, which is normally associated with no-fault states. However, unlike true no-fault states, it doesn’t put as many limits on the ability to recover damages from the at-fault driver in an accident. Its higher-than-average rates can be partly attributed to its mandatory PIP coverage and high population density, leading to a higher risk of accidents.
Overview
- Full coverage auto insurance in Delaware costs an average of $2,784 per year, while minimum coverage costs around $1,198 per year.
- Travelers and USAA have the best rates for most driver profiles; however, USAA’s eligibility is limited to the military community.
- State Farm and GEICO also have affordable average rates, and State Farm comes out on top for customer service.
Jump to:
- Cheapest full coverage auto insurance in Delaware: Travelers ($1,585 annually) and USAA ($1,698 annually)
- Cheapest minimum coverage: USAA ($648 annually) and Travelers ($676 annually)
- Cheapest with a teen driver: USAA ($4,118 annually) and GEICO ($5,048 annually)
- Cheapest with a speeding ticket: Travelers ($1,874 annually) and State Farm ($2,081 annually)
- Cheapest with an at-fault accident: Travelers ($1,643 annually) and USAA ($1,698 annually)
- Cheapest with a DUI: Travelers ($2,698 annually) and Progressive ($3,010 annually)
- Cheapest for low credit: USAA ($2,928 annually) and Travelers ($3,022 annually)
Cheapest Car Insurance in Delaware for Full Coverage: Travelers
Travelers offers the most affordable full coverage rates in Delaware, with an average annual rate of $1,585 — 43 percent less than the statewide average. USAA offers the second-cheapest rates, but its availability is limited to members of the military community. State Farm and GEICO also have affordable rates in the state.
| Provider | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Travelers | $1,585 | $132 |
| USAA | $1,698 | $141 |
| State Farm | $1,906 | $159 |
| GEICO | $2,302 | $192 |
| Progressive | $2,465 | $205 |
| California Casualty | $2,779 | $232 |
| Donegal | $3,144 | $262 |
| Allstate | $3,852 | $321 |
| Delaware average | $2,784 | $232 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Delaware for Minimum Coverage: USAA
For minimum coverage in Delaware, USAA has the cheapest rates ($648 annually). Drivers not eligible for USAA will likely find the best rates from Travelers ($676 annually) and California Casualty ($870 annually), both with average rates several hundred dollars below the state average.
| Provider | Annual Minimum Coverage | Monthly Minimum Coverage |
|---|---|---|
| USAA | $648 | $54 |
| Travelers | $676 | $56 |
| California Casualty | $870 | $72 |
| GEICO | $1,036 | $86 |
| State Farm | $1,081 | $90 |
| Progressive | $1,145 | $95 |
| Donegal | $1,855 | $155 |
| Allstate | $2,412 | $201 |
| Delaware average | $1,198 | $107 |
| National average | $635 | $53 |
Cheapest Car Insurance in Delaware for Teen Drivers: USAA
On average, teens pay the most for car insurance of any age group. In Delaware, USAA also has the cheapest auto insurance for households with teen drivers, with an average annual premium of $4,118 per year. For non-military families, GEICO and State Farm offer the best rates at $5,048 and $5,515, respectively, both of which are well below the statewide average.
| Provider | Annual with Teen Driver | Monthly with Teen Driver |
|---|---|---|
| USAA | $4,118 | $343 |
| GEICO | $5,048 | $421 |
| State Farm | $5,515 | $460 |
| California Casualty | $5,756 | $480 |
| Donegal | $8,450 | $704 |
| Progressive | $9,862 | $822 |
| Travelers | $12,049 | $1,004 |
| Allstate | $12,352 | $1,029 |
| Delaware average | $7,481 | $623 |
| National average | $5,327 | $444 |
TIP:
One of the best ways to save money on teen car insurance is to add them to an existing family policy. An individual teen policy can cost thousands of dollars more per year. Also, keep in mind that teens under 18 cannot legally sign for their own policy — they’ll need a parent or guardian to co-sign.
Cheapest Car Insurance in Delaware With a Speeding Ticket: Travelers
A speeding ticket is a relatively minor traffic violation, but you should expect it to increase your premiums. In Delaware, Travelers offers the cheapest average rate for drivers with a speeding ticket at $1,874 per year, which is 41 percent lower than the state average. State Farm and USAA also offer affordable rates with a ticket.
| Provider | Annual With Speeding Ticket | Monthly With Speeding Ticket |
|---|---|---|
| Travelers | $1,874 | $156 |
| State Farm | $2,081 | $173 |
| USAA | $2,194 | $183 |
| GEICO | $2,986 | $249 |
| Donegal | $3,144 | $262 |
| Progressive | $3,258 | $271 |
| California Casualty | $3,276 | $273 |
| Allstate | $4,481 | $373 |
| Statewide average | $3,185 | $265 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Delaware With an At-Fault Accident: Travelers
Travelers once again offers the best rates for drivers in Delaware with an at-fault accident — it has an average annual premium of $1,643, which is about half the statewide average. For military drivers, USAA ($1,698 annually) offers the next most competitive rates. In third place is State Farm, followed by Progressive, but there is a big difference of over a thousand dollars between the two companies.
| Provider | Annual With At-Fault Accident | Monthly With At-Fault Accident |
|---|---|---|
| Travelers | $1,643 | $137 |
| USAA | $1,698 | $141 |
| State Farm | $2,144 | $179 |
| Progressive | $3,409 | $284 |
| Donegal | $3,412 | $284 |
| GEICO | $3,859 | $322 |
| California Casualty | $4,142 | $345 |
| Allstate | $6,231 | $519 |
| Statewide average | $3,436 | $286 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Delaware With a DUI: Travelers
Drivers convicted of a DUI in Delaware may see their auto insurance rates increase by over 40 percent per year. The most affordable average rates are from Travelers at $2,698 per year, followed by Progressive at $3,010 — the latter was also named one of the best insurance providers for DUIs in our recent analysis. USAA and State Farm offer competitive rates as well.
| Provider | Annual With DUI | Monthly With DUI |
|---|---|---|
| Travelers | $2,698 | $225 |
| Progressive | $3,010 | $251 |
| USAA | $3,025 | $252 |
| State Farm | $3,049 | $254 |
| GEICO | $4,921 | $410 |
| Donegal | $5,200 | $433 |
| Allstate | $5,210 | $434 |
| California Casualty | $6,340 | $528 |
| Statewide average | $3,919 | $327 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in Delaware With Low Credit: USAA
Military drivers with low credit will find the cheapest coverage from USAA, while non-military drivers can find affordable, below-average rates from Travelers and GEICO. In Delaware, drivers with poor credit pay an average of 75 percent more per year for car insurance than drivers with good credit.
| Provider | Annual with Low Credit | Monthly with Low Credit |
|---|---|---|
| USAA | $2,928 | $244 |
| Travelers | $3,022 | $252 |
| GEICO | $3,613 | $301 |
| Progressive | $3,767 | $314 |
| State Farm | $5,229 | $436 |
| Allstate | $5,998 | $500 |
| Statewide average | $4,870 | $406 |
| National average | $3,377 | $281 |
Best Claims and Customer Satisfaction in Delaware: State Farm
State Farm has the strongest customer service record out of the major insurers in Delaware. USAA also has strong ratings but is only available to military personnel and their families. While State Farm isn’t the cheapest insurer in the state, it does offer below-average rates in most categories, making it a great choice for both affordability and customer experience. Additionally, Donegal and California Casualty aren’t rated in J.D. Power studies, but both received good marks in the CRASH Network Insurer Report Card.
| Provider | Mid-Atlantic Customer Satisfaction (J.D. Power)1 | Claims Satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card Grade3 |
|---|---|---|---|
| USAA | 743 | 726 | D+ |
| State Farm | 652 | 710 | C- |
| GEICO | 647 | 692 | C- |
| Travelers | 628 | 684 | C |
| Allstate | 624 | 691 | D |
| Progressive | 624 | 672 | C |
| Donegal | N/A | N/A | B- |
| California Casualty | N/A | N/A | B- |
| Average | 654 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Delaware
- Shop around: Delaware may have higher rates than many other states, but shopping around for insurance is one of the best ways to make sure you get the best deal. The companies listed here are intended to provide a guide for comparative purposes, but the rates you’re quoted may differ. Always get quotes from at least three companies to see which one can get you the lowest rate for the coverage you need.
- Check for discounts: Most insurers provide a wide range of discounts, from good driver to multi-policy to good student discounts. Check with each insurer you get a quote from to see what discounts you may be eligible for.
- Maintain good credit or improve your credit: Insurers in Delaware can and do evaluate credit history via a credit-based insurance score when determining premiums, so maintaining good credit will help you get the best rates. If your credit could stand to be improved, work to improve it over time by making on-time payments and paying down debt. Your insurance rates are re-evaluated yearly, so improving your credit can help lower your rates.
- Increase your deductibles: If you have collision and/or comprehensive coverage, you can modify your deductible for one or both coverages. Increasing your deductibles, which is the amount you pay out of pocket before the insurance kicks in, will usually lower your premium. However, make sure you can afford the higher expense if you need to file a claim.
Average Auto Insurance Cost in Delaware by City
Delaware is a very small state, so rates don’t vary from city to city quite as much as they might in a larger, more diverse state. However, rates in the most populous city, Wilmington, are noticeably higher on average than in other Delaware cities at $3,405. This is 22 percent higher than the state average and 39 percent higher than the small city of Laurel.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Wilmington | $3,405 | $284 |
| Newark | $2,986 | $249 |
| Middletown | $2,739 | $228 |
| Dover | $2,562 | $213 |
| Laurel | $2,497 | $208 |
| Delaware average | $2,784 | $232 |
Minimum Car Insurance Requirements in Delaware
Delaware law requires drivers to carry a minimum level of car insurance, including bodily injury and property damage liability. These coverages help cover injuries and damages caused to others in an accident. It also requires PIP coverage, which helps pay for your own party’s injuries, regardless of whether you were at fault.
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $10,000 per accident
- Personal injury protection: $15,000 per person/$30,000 per accident
While these are the minimum limits required by law, it’s wise to increase your limits if you can afford to. It’s also a good idea to opt for full coverage, which adds comprehensive and collision coverages to your policy, helping cover damage to your own vehicle.
Frequently Asked Questions
Who has the cheapest car insurance in Delaware?
Travelers and USAA offer the cheapest car insurance in Delaware at $1,585 and $1,698 annually for full coverage, respectively. However, USAA is only available to members of the military community. State Farm and GEICO also have affordable average rates. Always get quotes from multiple companies as your rates may differ from the averages.
How long can you go without car insurance?
Delaware has an insurance grace period of 7-30 days in most cases, meaning you can drive for that many days before you purchase insurance on a new vehicle. Always make sure to verify any state laws that apply to your situation to make sure you’re following them — driving without insurance past this period of time is illegal. If you’re shopping for a car, you can get a quote before purchase with the VIN or make/model, and finalize your policy before you drive off the lot.
What factors influence car insurance rates in Delaware?
Many factors influence car insurance rates in Delaware, including your age, driving record, location, credit history, and gender. Delaware’s statewide PIP requirement also leads to higher average rates across the state.
How does State Farm compare to other insurance companies in Delaware?
In Delaware, State Farm offers affordable rates for most driver profiles, though it’s not the absolute cheapest. For example, its average annual rate for full coverage is $1,906, compared to Travelers’ $1,585, which is the cheapest rate. However, it has the strongest customer service record, so it’s a great choice for drivers looking to prioritize customer experience while not compromising on price.
Methodology
We analyze average auto insurance premiums in Delaware for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Medical payments: $5,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyInsurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/
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