Average Car Insurance Cost in Delaware (2024)

The average cost of car insurance in Delaware is $206 per month, slightly more than the national average of $158. Drivers pay an average of $166 per month for liability car insurance and $246 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.

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What’s the average cost of car insurance in Delaware?

The average cost of car insurance in Delaware is $246 per month for full coverage and $166 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.

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.

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.

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.

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.

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.

Delaware car insurance FAQs