- Best car insurance companies in Delaware: Travelers
- Cheapest car insurance companies in Delaware: Nationwide
- Average cost of car insurance in Delaware
- Delaware car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Delaware
- Cheapest car insurance cost in Delaware by age
- Cheapest car insurance companies in Delaware by driver profile
- Compare auto insurance rates by city in Delaware
- Car insurance premium trends in Delaware
- Methodology
- Compare Delaware car insurance rates with other states
Best car insurance companies in Delaware: Travelers
Travelers is the best car insurance company in Delaware, based on a 2023 analysis by Insurance.com, with an overall rating of 3.4. State Farm, Nationwide, Geico, and Progressive are also the top car insurance companies in Delaware.
Below is a full list of the top Delaware car insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | A++ | 822 | 0.49 | $1,595 | 3.4 |
| State Farm | A++ | 843 | 0.7 | $2,153 | 3.17 |
| Nationwide | A+ | 820 | 0.64 | $1,498 | 3.14 |
| Geico | A++ | 818 | 0.91 | $1,695 | 3.13 |
| Progressive | A+ | 814 | 0.65 | $1,999 | 2.97 |
| Allstate | A+ | 825 | 0.65 | $3,631 | 2.43 |
| American Family | A | 820 | 1.1 | $2,709 | 2.24 |
Cheapest car insurance companies in Delaware: Nationwide
Based on a rate analysis by Insurance.com, Nationwide offers the cheapest full coverage car insurance in Delaware, with average rates of $1,498 annually or $125 a month. USAA offers cheaper rates if you are eligible. Additionally, Travelers offers the cheapest liability car insurance in Delaware at $688 per year. It alsooffers the lowest car insurance for state minimum coverage at $512 per year.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Delaware and compiled a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA | $482 | $702 | $1,463 |
| Nationwide | $732 | $828 | $1,498 |
| Travelers | $512 | $688 | $1,595 |
| Geico | $530 | $792 | $1,695 |
| Progressive | $974 | $1,188 | $1,999 |
| State Farm | $794 | $991 | $2,153 |
| Donegal | $1,164 | $1,446 | $2,673 |
| American Family | $999 | $1,306 | $2,709 |
| Allstate | $1,305 | $1,574 | $3,631 |
| Sentry Insurance | NA | NA | $4,066 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Delaware
The average car insurance cost in Delaware is $2,063 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Delaware is $788.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in Delaware
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 19801 | Wilmington | $215 |
| 19802 | Wilmington | $208 |
| 19805 | Wilmington | $204 |
| 19706 | Delaware City | $202 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 19938 | Clayton | $159 |
| 19808 | Wilmington | $160 |
| 19810 | Wilmington | $163 |
| 19710 | Montchanin | $165 |
The Delaware Department of Insurance says...
Credit-based insurance scores are based on information like payment history, bankruptcies, collections, outstanding debt and length of credit history. Companies can only take your credit score into consideration when you are applying for a new policy, except upon the request of the insured. In that case the consumer may be re-rated at renewal based upon a current credit score, but only to the extent that it benefits the consumer.
- The Delaware Department of InsuranceDelaware car insurance requirements
Delaware’s minimum car insurance coverage limits are 25/50/10. Delaware’s state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $773 annually or $64 monthly.
Minimum liability insurance requirements for Delaware:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $10,000 per accident
- Personal injury protection (PIP): $15,000 per person, $30,000 per accident
Cheapest car insurance companies for minimum liability coverage in Delaware
According to Insurance.com, Travelers provides the cheapest state minimum liability insurance, averaging $484 annually or $40 monthly. USAA offers cheaper rates but has eligibility criteria.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Delaware.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| USAA* | $464 | $39 |
| Travelers | $484 | $40 |
| Geico | $492 | $41 |
| Nationwide | $714 | $60 |
| State Farm | $794 | $66 |
| Progressive | $925 | $77 |
| American Family | $999 | $83 |
| Donegal | $1,333 | $111 |
| Allstate | $1,500 | $125 |
| Sentry Insurance | $2,537 | $211 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Delaware by age
In Delaware, car insurance rates are higher for teenagers due to their lack of experience on the road.
Nationwide offers the cheapest car insurance for teen drivers in Delaware at $4,932 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Delaware, Nationwide offers the cheapest full coverage car insurance for adult and senior drivers at $1,487 per year and $1,457 per year, respectively.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Nationwide | $5,065 | $422 |
| State Farm | $7,758 | $647 |
| Geico | $9,572 | $798 |
| USAA | $9,844 | $820 |
| Progressive | $15,262 | $1,272 |
| Travelers | $15,375 | $1,281 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Delaware by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for insurance. In Delaware, Travelers offers the cheapest auto insurance in Delaware for drivers with an accident at $1,616 per year. USAA offers cheaper rates, however, it offers specifically to the military community.
Nationwide is Delaware's cheapest car insurance company for drivers with a speeding ticket at $2,212 per year, on average. USAA offers cheaper rates, however, it offers specifically to the military community.
Below are the average Delaware car insurance rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| USAA | $1,463 | $1,463 | $1,888 |
| Nationwide | $1,498 | $2,008 | $2,212 |
| Travelers | $1,595 | $1,616 | $2,339 |
| State Farm | $2,153 | $2,548 | $2,351 |
| Progressive | $1,999 | $2,921 | $2,649 |
| Geico | $1,695 | $3,857 | $2,805 |
| American Family | $2,709 | $3,630 | $2,952 |
| Allstate | $3,631 | $6,040 | $4,043 |
| Sentry Insurance | $4,066 | $6,847 | $6,335 |
*USAA offers car insurance only to military veterans and their families.
Compare auto insurance rates by city in Delaware
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Delaware will impact what you pay. Below, we've gathered Delaware car insurance rates by city for comparison.
Car insurance premium trends in Delaware
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Delaware to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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