Average Car Insurance Cost in Delaware (2024)
Drivers in Delaware pay an average of $191 per month for car insurance.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated November 21, 2024
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Table of contents
The average cost of car insurance in Delaware is $179 per month, slightly more than the national average of $154. Drivers pay an average of $150 per month for liability car insurance and $209 per month for full-coverage car insurance.
Delaware often experiences coastal storms, which means cars are more susceptible to damage from flooding and storm surges.[1] Additionally, Delaware is a no-fault state, so drivers are required to carry more car insurance than in many other states.
Always compare car insurance quotes from multiple insurers before buying a policy.
Quick Facts
The average monthly car insurance premium in Delaware is $179.
USAA has the cheapest car insurance rates in Delaware.
Newark has some of the lowest average premiums in Delaware.
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What’s the average cost of car insurance in Delaware?
The average cost of car insurance in Delaware is $209 per month for full coverage and $150 per month for liability-only coverage. However, the cost of insurance coverage depends on a variety of factors, including your insurance company.
Below, you can see the average car insurance premiums from some of the most popular car insurance companies in the state of Delaware.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| USAA | $54 | $76 |
| State Farm | $84 | $117 |
| GEICO | $105 | $147 |
| Root | $112 | $159 |
| Travelers | $129 | $181 |
| National General | $131 | $250 |
| CSAA | $143 | $194 |
| Progressive | $151 | $211 |
| Direct Auto | $151 | $288 |
| Nationwide | $175 | $246 |
| Allstate | $178 | $250 |
| Liberty Mutual | $219 | $351 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Delaware car insurance rates by city
Car insurance rates differ from one city to the next. Factors like population, crime rate, and traffic all affect the cost of premiums.
Dover is one of the most expensive cities for car insurance in Delaware, according to Insurify data. Below, you can see the average cost of car insurance in Dover and Newark, two of the most populated cities in Delaware.[2]
Average Delaware car insurance rates by age
Age is one of the most significant factors affecting the cost of your car insurance. Young drivers typically pay the highest rates for auto insurance because they lack experience behind the wheel. Data also shows that teens have higher accident rates than any other age group.[3] For most drivers, rates start to drop in their 20s and start climbing again in their 70s.
You can see the average cost of car insurance in Delaware by age group in the chart below.
Rates by Age
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How gender affects car insurance rates in Delaware
Gender is also used as a car insurance rating factor in most states. Historical data shows that women are less likely to be involved in serious accidents or drive impaired than men. As a result, women tend to pay lower average rates for car insurance.
However, age is also an important factor. Based on Insurify rate analysis, 16-year-old male drivers pay about 20% more for car insurance than female drivers of the same age. For 50-year-old drivers, men only pay about 5% more than 50-year-old women.
In the table below, you can see the average car insurance premiums in Delaware for male and female drivers of several different ages.
Age ▲▼ | Male ▲▼ | Female ▲▼ |
|---|---|---|
| 16 | $422 | $345 |
| 35 | $201 | $182 |
| 50 | $155 | $148 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Delaware
Insurers use a variety of car insurance rating factors, but your driving record is one of the most critical. Good drivers with a clean driving record pay the lowest insurance rates, on average. People with speeding tickets, a car accident, or a DUI on their record usually pay much higher rates.
For example, Delaware drivers with an accident on their record pay almost 30% more for full-coverage car insurance than drivers with a clean record. If you have a very complicated driving history, it’s also possible that your insurer could refuse to renew your insurance policy, especially if you have a suspended license.
Below, you can see how the average cost of car insurance varies in Delaware based on driving record.
Driver Record ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Clean record | $150 | $209 |
| With accident | $182 | $253 |
| With speeding ticket | $184 | $256 |
| With DUI | $189 | $264 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Delaware
Recent Delaware car insurance prices for Jeep, Nissan, Subaru , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Average Delaware car insurance rates by marital status
Married couples often pay slightly less for car insurance than single drivers. Insurify’s rate data shows that married drivers pay about 4% less for full-coverage car insurance than their single counterparts. Married couples who each own a vehicle are usually able to insure both cars on the same policy and qualify for a multi-vehicle discount.
Here are the average car insurance premiums for married and single drivers in Delaware.
Marital Status ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Married | $126 | $198 |
| Single | $132 | $206 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Delaware car insurance rates by credit tier
Car insurance companies in Delaware use credit-based insurance scores as a way to determine how much risk you pose.[4] Drivers with excellent credit typically pay the lowest rates for car insurance, whereas people with poor credit pay much higher rates because they pose a higher risk.
For example, drivers with a poor credit score pay roughly 55% more for full-coverage car insurance than drivers with an excellent credit score. Even drivers with good credit pay about 10% more for full coverage than drivers with excellent credit.
In the table below, you can see the average car insurance premiums in Delaware based on credit tier.
Credit Tier ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Excellent | $116 | $182 |
| Good | $129 | $202 |
| Fair | $142 | $222 |
| Poor | $206 | $323 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Delaware car insurance FAQs
Finding the right car insurance coverage can be tricky. Consider the answers to these commonly asked questions about cheap car insurance in Delaware.
What is the average cost of car insurance in Delaware?
Delaware drivers pay an average of $179 per month for car insurance. They pay $150 per month for a liability-only policy and $209 per month for a full-coverage insurance policy. The exact cost of your specific car insurance policy will vary based on your driving record, age, credit history, and more.
What is the cheapest car insurance in Delaware?
USAA is the cheapest car insurance in Delaware, with a liability rate of $54 per month. State Farm is the second-cheapest insurer in the state, with a monthly liability quote of $84. The third-cheapest insurer, GEICO, has a liability rate of $105 per month.
What is the minimum car insurance in Delaware?
All drivers must carry car insurance in Delaware. The minimum coverage requirements are 25/50/10 for bodily injury liability insurance and property damage liability insurance, as well as 15/30 in personal injury protection (PIP).[5]
However, many Delaware drivers can benefit from a full-coverage car insurance policy that also includes collision and comprehensive coverage, as well as medical expenses coverage.
What are the best auto insurance companies in Delaware?
Some of the best auto insurance companies in Delaware are USAA, State Farm, GEICO, and Travelers. These companies have below-average rates for Delaware and offer a variety of coverage options and discounts. Keep in mind that the best and cheapest car insurance company will depend on your financial situation, coverage needs, and budget.
Is Delaware car insurance cheaper than Pennsylvania?
No. Delaware has more expensive car insurance rates than Pennsylvania. The average cost of car insurance in Pennsylvania is $133, while the average cost of car insurance in Delaware is $179.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- National Weather Service. "Delaware Severe Weather Awareness Week."
- Delaware Demographics. "Delaware Cities by Population."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- The Delaware Code Online. "Use of Credit Information in Insurance."
- Delaware Division of Motor Vehicles. "Vehicle Services Registration."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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