Cheapest Auto Insurance in Newark, Delaware (2024)

USAA offers the cheapest car insurance in Newark, with liability rates starting at $52 per month.

Excellent
Allstate LogoProgressive LogoClearcover LogoFarmers LogoTravelers LogoGeico Logo+100 more

Cheapest recent rates near Newark, Delaware

Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $77/mo for full coverage in Newark and other Delaware cities.

*Quotes generated for Insurify users in and around Newark, Delaware within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Newark, Delaware within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • 10+ years writing insurance and personal finance topics

  • Former associate finance editor for Investopedia

Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.

Featured in

media logomedia logo
Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo

Updated October 30, 2024

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Located in New Castle County, the historic city of Newark, Delaware, is home to the University of Delaware — the state’s largest university.

Newark drivers pay an average rate of $224 per month for full-coverage car insurance, which falls slightly above the statewide full-coverage average of $246 per month. More young drivers on the road could party contribute to the city’s higher car insurance costs.

Here’s what you need to know about comparing quotes and finding cheap car insurance in Newark.

Quick Facts
  • Newark is a small city, with a population of 30,453. A city’s size can have an effect on car insurance rates.

  • USAA, State Farm, and GEICO have the cheapest car insurance in Newark.

  • Newark residents pay less for auto coverage than drivers in nearby Wilmington.

3 of the cheapest car insurance companies in Newark

While the cheapest car insurance coverage may be the best option for many drivers, the right policy for you ultimately depends on your unique situation and needs. For instance, you may feel more comfortable with higher coverage levels than a basic policy provides. In this case, purchasing more expensive auto coverage could make sense.

Included here are three of the most affordable insurers in Newark for you to consider as you search for your next policy.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
USAA9.4$77$55Liability coverage
State Farm9.3$118$85Families
GEICO9.0$148$106Full coverage
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.

Best insurer for liability-only coverage: USAA

Compare personalized, real-time quotes
User Reviews
3.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$78/mo

USAA offers affordable policies in Newark for U.S. service members and eligible family members. On average, it has the cheapest auto coverage of all insurers in the state, making it a great choice if you meet the membership requirements.

Customers can get several discounts, including good student, multi-vehicle, and bundling discounts. You can also easily access your policy anytime through the USAA mobile app.

Pros
  • Affordable coverage

  • Multiple discounts available

Cons
  • Gap insurance not available

  • Only for qualifying service members and their families

Read more driver reviews of USAA
Kent - October 29, 2024
Verified

Excellent

The insurance is a bit high.

Dorothy - October 29, 2024
Verified

Significant Increase in Policy Payment

Be cautious not to have an accident, as my policy payment increased by $300 a month.

Martin - October 29, 2024
Verified

My Opinion

They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.

Best insurer for families: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$81/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$120/mo

State Farm is a good choice for Newark drivers looking for cheap coverage. While you’ll pay more for coverage than you would with USAA, you can access several discounts that could lower your monthly auto insurance costs. Policyholders benefit from multiple safe driver discounts, as well as multi-vehicle and bundling discounts. Families with multiple insurance products can benefit from bundling discounts. The company offers savings opportunities for teenagers, too.

Pros
  • A++ (Superior) AM Best financial strength rating

  • Multiple discounts available

Cons
  • Slightly more expensive than USAA

  • Coverage costs likely to increase if you have past driving infractions

Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified

Good

The insurance is higher than other companies' policies.

Marsha - October 29, 2024
Verified

Friendly agents!

Check out their prices!

Linda - October 29, 2024
Verified

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

Best insurer for full coverage: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$101/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$151/mo

GEICO is an affordable insurance company offering auto coverage in Newark. This insurer offers a broad range of discounts for customers, and it even advertises the overall percentage discount you may receive for certain actions or vehicle features. For instance, you could save up to 25% on your monthly premiums for insuring multiple vehicles or 22% for being accident-free for five years.

Pros
  • 16 available discounts

  • Below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC)

Cons
  • Limited agent network

  • Gap insurance not available

Read more driver reviews of GEICO
Herman - October 29, 2024
Verified

Excellent

For us, it came down to cost and having all of our insurance with the same company, not farmed out.

Greg - October 29, 2024
Verified

It's Expensive

It's expensive.

Robert - October 29, 2024
Verified

Unpleasant Experience on Cape Cod

My insurance has gone from $37 a month to $82. Stay far away from this company.

How to get the cheapest car insurance in Newark

Car insurance companies look at several factors when determining your insurance rates, including your driving record, age, location, and more. If you’re looking for cheap car insurance in Newark, the following tips could help you get the quality coverage you want:

  • Maintain a clean driving record. You should focus on maintaining a clean record, as this will make cheap car insurance coverage more accessible to you. Obey the rules of the road, and don’t drive under the influence.

  • Compare coverage options. It’s wise to compare insurance coverage from top companies, as the first insurer you consider won’t necessarily offer the best rate and coverage for your needs.

  • Research available discounts. Discounts vary depending on the insurer, so compare available discounts as you shop around for car insurance coverage. For instance, bundling discounts are common if you buy multiple insurance products from the same insurer, such as home insurance, auto insurance, or life insurance.[6]

Find Cheap Car Insurance in Newark

Liability rates start at $52 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Newark: USAA

Drivers seeking liability-only coverage in Newark, Delaware, have several affordable options to choose from. Liability-only insurance may provide enough coverage if you have an older, high-mileage vehicle. It’s cheaper than full-coverage insurance, but it also provides less protection for your vehicle.

With a liability-only policy, your insurance will kick in if you injure another driver in an at-fault accident or damage someone else’s property. It won’t cover any of your vehicle damages or medical expenses following an accident.[1]

Liability policies in Newark cost $136 per month, on average. Here you can see a collection of average rates offered by top insurers in the area.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
USAA$52
State Farm$81
GEICO$101
National General$121
Travelers$125
CSAA$142
Progressive$146
Direct Auto$154
Root$157
Liberty Mutual$158
Nationwide$170
Allstate$172
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.

Cheapest full-coverage car insurance in Newark: USAA

Full-coverage car insurance offers more vehicle protection and financial security than liability coverage, making it a smart choice if you drive a newer vehicle. It includes collision and comprehensive coverage, which pay for your vehicle damage following an accident or non-collision incident, including vandalism, fire, and severe weather.

Full coverage is more expensive due to the added protection. Newark drivers pay a monthly average of $224 per for full-coverage policies. You can find cheap car insurance rates for full coverage below.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
USAA$78
State Farm$120
GEICO$151
Midvale Home & Auto$183
Travelers$186
CSAA$203
National General$210
Progressive$216
Root$235
Nationwide$251
Allstate$256
Liberty Mutual$272
Direct Auto$273
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.

Cheapest recent rates near Newark, Delaware

Drivers using Insurify have found quotes as cheap as $85/mo for liability only and $118/mo for full coverage in Newark and other Delaware cities.

*Quotes generated for Insurify users in and around Newark, Delaware within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Newark, Delaware within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Delaware

Delaware isn’t a no-fault car insurance state, but it does require drivers to purchase personal injury protection (PIP) coverage in addition to the minimum liability insurance requirements. PIP coverage can pay for your medical bills following an accident — regardless of fault. But drivers can still sue an at-fault driver for damages after an automobile accident.[2]

The state also requires drivers to purchase a minimum amount of bodily injury and property damage liability insurance to cover any damage or injury they cause in an accident. You can find the specific requirements below.

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$10,000 per accident
Personal injury protection (PIP)$15,000 per person / $30,000 per accident

If you prefer to have more insurance than a basic auto policy provides, you can purchase optional coverage. Common insurance add-ons include the following:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers damages to your car caused by a motor vehicle accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision incident damages your vehicle, comprehensive insurance can kick in. It typically applies to incidents outside of your control, like theft, vandalism, severe weather, or fire.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If you have an accident with a driver without adequate coverage, uninsured/underinsured motorist coverage can apply.

Cheapest car insurance for drivers with an incident

People with a driving history free of at-fault accidents, speeding tickets, DUIs, or other moving violations typically earn the cheapest car insurance rates. These incidents can increase your monthly auto insurance premiums, often significantly. Your insurance company may view you as a high risk to insure and pass that cost to you in the form of higher prices.[3]

Find Car Insurance in Newark, Delaware

Shop for coverage after a driving incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: USAA

You can expect to pay more for car insurance coverage in Newark, Delaware, if you have a speeding ticket on your record. If you have several speeding tickets, your insurance costs may increase even more. In general, it’s smart to avoid speeding if you want to keep your car insurance expenses low. Always pay attention to posted speed limits, and check your speedometer periodically.

Drivers in Newark with a speeding ticket pay an average of $177 per month for liability coverage and $292 for full coverage.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
USAA$52$64
State Farm$81$100
GEICO$101$126
National General$121$151
Travelers$125$157
CSAA$142$181
Progressive$146$181
Direct Auto$154$191
Root$157$209
Liberty Mutual$158$213
Nationwide$170$213
Allstate$172$213
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.

Cheapest car insurance for drivers with an at-fault accident: USAA

Newark drivers with at-fault accidents on their record can also expect higher monthly premiums. Again, your insurance company may view you as a high risk to insure if you’ve had past accidents — especially if they resulted in costly claims. You can try lowering your premium by taking a safe driving course if your insurance company offers a related discount.

Liability insurance for Newark drivers with an accident on their record costs $177 per month, and full coverage costs $291 per month.

Here are the cheapest average car insurance rates for Newark drivers with an at-fault accident.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
USAA$52$67
State Farm$81$103
GEICO$101$129
National General$121$156
Travelers$125$161
CSAA$142$189
Progressive$146$189
Direct Auto$154$201
Root$157$215
Liberty Mutual$158$217
Nationwide$170$220
Allstate$172$220
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.

Cheapest car insurance for drivers with a DUI: USAA

You’ll likely pay the most for car insurance coverage if you’ve received a driving under the influence charge. DUIs typically represent high levels of risk for insurance companies, so your insurance costs may increase significantly.

Newark drivers with a DUI on their record pay monthly averages of $204 for liability coverage and $336 for full coverage. Here, you can see a collection of the most affordable insurers in the area.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
USAA$52$82
State Farm$81$128
GEICO$101$159
National General$121$190
Travelers$125$197
CSAA$142$224
Progressive$146$230
Direct Auto$154$242
Root$157$247
Liberty Mutual$158$249
Nationwide$170$268
Allstate$172$271
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.

Cheapest car insurance for seniors: USAA

Your age influences how much you pay for car insurance. In general, you’ll pay the lowest rates for auto insurance coverage between your mid-30s and around when you turn 70. Rates can begin to increase slightly after age 70 due to increased physical vulnerabilities associated with aging.

Seniors drivers in Newark pay an average of $117 per month for liability coverage and $193 for full coverage. You can find the cheapest rates for senior drivers in Newark below.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Full Coverage
Liability Only
USAA$64$43
State Farm$96$65
GEICO$123$83
Travelers$149$100
Progressive$159$108
CSAA$161$113
National General$165$95
Nationwide$193$130
Root$200$133
Allstate$210$141
Direct Auto$218$123
Liberty Mutual$232$135
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.

Cheapest car insurance for teens: USAA

Teenage drivers often face expensive car insurance rates because insurers view them as high risk due to their inexperience. Teens in Newark pay an average of $232 per month for liability coverage and $382 for full coverage.

Still, if you’re a new driver seeking coverage in Newark, you can work on earning a lower rate in a few different ways:[4]

  • Stay on your parents’ insurance. You’ll generally pay lower monthly premiums if you stay on your parents’ auto policy instead of getting coverage on your own.

  • Get a safe car. Opting for a car with high safety ratings may help you get cheaper coverage. Cars with certain safety features could also earn you a discount on your policy.

  • Earn a good student discount. Many insurers offer good student discounts if you maintain a certain GPA.

Here, you can see the cheapest average rates for teen drivers in Newark.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Full Coverage
Liability Only
USAA$128$86
State Farm$202$136
GEICO$236$158
CSAA$325$227
Travelers$332$223
Root$350$234
Progressive$380$257
National General$410$236
Nationwide$429$290
Allstate$447$300
Liberty Mutual$476$277
Direct Auto$491$277
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.

Find Car Insurance in Newark, Delaware

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Newark car insurance quotes by credit tier

Your credit history can also affect the cost of your car insurance coverage. Overall, drivers with excellent or good credit scores pay less for car insurance than people with poor credit scores. Improving your credit score could help you reduce your insurance costs.

Below are the average monthly rates for full-coverage insurance in Newark by credit tier.

Rates by Credit Tier

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.

Is car insurance more expensive in Newark?

Drivers in Newark pay an overall average of $180 per month for car insurance, which exceeds the national average rate of $158. And, at $206 per month for auto coverage, Delaware drivers pay more for coverage than people in some nearby states. For example, New Hampshire drivers pay just $100 per month, on average, for car insurance.

Full-coverage insurance is slightly cheaper in Newark than it is statewide, but liability-only coverage is slightly more expensive in Newark than throughout the rest of Delaware. Overall, the rates in Newark resemble the state’s average rates. Where you live in Delaware, including the city and ZIP code, can determine how much you pay for coverage.

More cities in Delaware

Drivers in other Delaware cities pay more for full-coverage insurance than drivers in Newark, on average. For instance, if you move from Newark to Wilmington, your monthly premiums could increase.

See how rates in other Delaware cities compare to average rates in Newark below.

City
Full Coverage
Liability Only
Dover$247$145
New Castle$249$144
Wilmington$242$139
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.

Newark car insurance FAQs

Deciding on the right kind of car insurance policy — and how much coverage you need — is crucial when shopping around for auto coverage. The information below should answer your remaining questions and help you navigate the process of buying car insurance in Newark.

  • How much is car insurance in Newark, Delaware?

    Car insurance in Newark costs an average of $180 per month. On average, drivers in the city pay $136 per month for liability insurance and $224 for full-coverage insurance. Your specific rate will depend on your age, credit history, driving record, insurer, marital status, gender, and more.

  • Which company has the cheapest car insurance in Newark?

    USAA offers the cheapest car insurance in Newark, with liability rates starting at $52 per month. State Farm and GEICO also offer low rates in the area, at $81 and $101 per month, respectively.

  • What are the best car insurance companies in Newark?

    With an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Newark. Other top insurers include USAA and GEICO.

  • What are the penalties for driving without insurance in Delaware?

    If you’re caught driving while uninsured in Delaware, you’ll face a fine of at least $1,500 for your first offense as well as a six-month suspension of your driver’s license. Additional offenses within three years of the initial offense result in a fine of $3,000 and suspension of your driver’s license.[5]

  • Can you insure a car in your name if you don’t own it in Delaware?

    You typically can’t insure a car in your name if you don’t own it. But you can purchase a non-owner car insurance policy to provide liability coverage if you have an accident while driving a vehicle you don’t own.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  2. NOLO. "Delaware Car Insurance Requirements."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Insurance Information Institute. "Background On: Teen drivers."
  5. Delaware Department of Motor Vehicles. "Vehicle Liability Insurance FAQs."
Jess Ullrich
Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all