Cheap Car Insurance in Delaware (2025)
Best cheap car insurance in Delaware
Cheapest full-coverage car insurance in Delaware: State Farm
USAA and Travelers are next at $152 a month and $153 a month, respectively. However, USAA is only available to the military community.
Full-coverage car insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,787 |  |
 | Travelers | $1,838 | |
 | Progressive | $2,495 |  |
 | Nationwide | $3,086 |  |
 | Geico | $3,318 |  |
 | Allstate | $4,960 | |
 | USAA* | $1,823 | |
State Farm has a better customer satisfaction rating than Travelers from J.D. Power. However, Travelers is a better option if you need gap insurance or want accident forgiveness. State Farm does not offer these coverages, and Travelers does.
Your auto insurance rate depends on factors like your driving record, age and credit. Each company weighs these factors differently, and rates vary by customer. This is why it’s good to compare car insurance quotes from a few different companies when you buy or renew a policy.
Cheapest Delaware liability insurance: Travelers
Both companies’ liability insurance Liability insurance covers injuries and damage you cause to others. rates are about 35% less than the state average of $117 a month.
Liability car insurance rate comparison
| Company | Annual rate |
|---|---|
| Travelers | $914 |
| State Farm | $924 |
| Progressive | $1,307 |
| Geico | $1,444 |
| Nationwide | $1,618 |
| Allstate | $2,881 |
| USAA* | $760 |
Best cheap car insurance for Delaware teens: State Farm
At $473 a month, State Farm also has the cheapest full-coverage rates for teen drivers. This is 25% less than the next-cheapest rate of $628 a month, also from Geico.
Of the two companies, State Farm has a better customer satisfaction rating than Geico.
Annual car insurance rates for teen drivers
| Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $3,180 | $5,674 |
| Geico | $3,521 | $7,540 |
| Progressive | $5,271 | $11,363 |
| Nationwide | $6,519 | $12,706 |
| Travelers | $7,952 | $17,090 |
| Allstate | $10,162 | $18,690 |
| USAA* | $1,623 | $3,646 |
Cheap auto insurance in Delaware after a speeding ticket: State Farm
In Delaware, a speeding ticket raises car insurance rates by an average of 21% to $277 a month.
Insurance rates after a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,960 |
| Travelers | $2,556 |
| Progressive | $3,293 |
| Nationwide | $3,777 |
| Geico | $3,860 |
| Allstate | $5,498 |
| USAA* | $2,355 |
Delaware’s best insurance rates after an accident: State Farm
Travelers is the next-cheapest company at $160 a month.
Auto insurance rates after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,787 |
| Travelers | $1,917 |
| Progressive | $3,278 |
| Nationwide | $4,662 |
| Geico | $5,296 |
| Allstate | $8,417 |
| USAA* | $1,823 |
An accident makes your car insurance rate go up by about 41% in Delaware. Getting accident forgiveness can protect you from an increase like this. With accident forgiveness, your first accident does not make your rate go up.
Travelers and Progressive are among the companies that offer accident forgiveness. You have to add it to your policy before an accident. It usually costs extra, but Progressive has paid and free options.
Best rates for teens with a bad driving record in DE: State Farm
State Farm also is the cheapest company for teens with an at-fault accident ($265 a month). This is 38% less than the next-cheapest rate of $432 a month from Geico.
Annual rates for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $3,533 | $3,180 |
| Geico | $3,949 | $5,183 |
| Progressive | $5,505 | $6,524 |
| Nationwide | $6,956 | $7,101 |
| Allstate | $11,613 | $14,887 |
| Travelers | $12,128 | $8,215 |
| USAA* | $1,872 | $1,623 |
Cheap Delaware car insurance after a DUI: Progressive
Delaware drivers with a DUI should get car insurance quotes from Progressive and Travelers.
Travelers and Progressive are both available from independent insurance agents Independent insurance agents offer quotes and products from multiple companies. However, they don’t offer quotes from companies with exclusive agents, like State Farm and Allstate. . In some cases, the same independent agent may be able to get you quotes from both companies.
DUI insurance rate comparison
| Company | Annual rate |
|---|---|
| Progressive | $3,024 |
| Travelers | $3,221 |
| State Farm | $4,855 |
| Nationwide | $6,044 |
| Geico | $6,196 |
| Allstate | $6,542 |
| USAA* | $3,315 |
Best cheap car insurance in Delaware for bad credit: Travelers
Travelers and Progressive are also the best companies to contact for cheap car insurance in Delaware if you have bad credit.
Insurance companies check your credit to help predict the risk of insuring you. They look at factors like your payment history and the amounts you borrow.
The state only allows insurance companies to check your credit when you apply for a new policy. However, If your credit improves, you can ask your insurance company to recheck it to get a better rate.
Insurance rates for bad credit
| Company | Annual rate |
|---|---|
| Travelers | $3,736 |
| Progressive | $3,841 |
| Nationwide | $4,264 |
| State Farm | $4,682 |
| Geico | $4,989 |
| Allstate | $7,886 |
| USAA* | $3,251 |
Best car insurance companies in Delaware
However, Travelers offers a few car insurance discounts that State Farm doesn’t have. For example, Travelers gives you a discount for owning your home or having a new car. Driving a hybrid or electric vehicle can also help you save. If you qualify, these discounts may make Travelers the cheapest option for you.
Delaware car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Geico | 637 | A++ | |
| Nationwide | 641 | A | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Delaware car insurance rates by city
With rates that average $2,209 a year, South Bethany has the cheapest car insurance among Delaware’s cities and towns. Neighboring Bethany Beach is next-cheapest at $2,211 a year.
Elsmere has Delaware’s most expensive car insurance at $3,348 a year. Wilmington Manor’s average rate of $3,339 a year comes in second.
In Wilmington, drivers pay an average of $3,263 a year for car insurance, or $272 a month. This is 18% higher than the state average. Dover drivers only pay $208 a month for car insurance, which is 10% less than the state average.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Arden | $2,886 | 11% |
| Bear | $3,160 | 22% |
| Bellefonte | $3,053 | 17% |
| Bethany Beach | $2,211 | -15% |
| Bethel | $2,360 | -9% |
| Bridgeville | $2,321 | -11% |
| Brookside | $2,962 | 14% |
| Camden | $2,413 | -7% |
| Camden Wyoming | $2,407 | -7% |
| Cheswold | $2,466 | -5% |
| Claymont | $2,979 | 15% |
| Clayton | $2,580 | -1% |
| Dagsboro | $2,294 | -12% |
| Delaware City | $3,263 | 26% |
| Delmar | $2,325 | -11% |
| Dewey Beach | $2,224 | -14% |
| Dover | $2,496 | -4% |
| Dover Air Force Base | $2,447 | -6% |
| Dover Base Housing | $2,463 | -5% |
| Edgemoor | $3,332 | 28% |
| Ellendale | $2,362 | -9% |
| Elsmere | $3,348 | 29% |
| Felton | $2,409 | -7% |
| Fenwick Island | $2,239 | -14% |
| Frankford | $2,263 | -13% |
| Frederica | $2,399 | -8% |
| Georgetown | $2,333 | -10% |
| Glasgow | $3,120 | 20% |
| Greenville | $2,846 | 10% |
| Greenwood | $2,319 | -11% |
| Harbeson | $2,307 | -11% |
| Harrington | $2,346 | -10% |
| Hartly | $2,473 | -5% |
| Henlopen Acres | $2,212 | -15% |
| Highland Acres | $2,463 | -5% |
| Hockessin | $2,863 | 10% |
| Houston | $2,378 | -9% |
| Kent Acres | $2,483 | -4% |
| Kirkwood | $3,135 | 21% |
| Laurel | $2,354 | -9% |
| Lewes | $2,229 | -14% |
| Lincoln | $2,356 | -9% |
| Little Creek | $2,607 | 0% |
| Long Neck | $2,281 | -12% |
| Magnolia | $2,392 | -8% |
| Marydel | $2,456 | -5% |
| Middletown | $2,732 | 5% |
| Milford | $2,371 | -9% |
| Millsboro | $2,301 | -11% |
| Millville | $2,278 | -12% |
| Milton | $2,275 | -12% |
| Montchanin | $2,931 | 13% |
| Nassau | $2,501 | -4% |
| New Castle | $3,309 | 27% |
| Newark | $2,970 | 14% |
| Newport | $3,081 | 19% |
| North Star | $2,862 | 10% |
| Ocean View | $2,213 | -15% |
| Odessa | $2,758 | 6% |
| Pike Creek | $2,833 | 9% |
| Pike Creek Valley | $2,837 | 9% |
| Port Penn | $2,846 | 9% |
| Rehoboth Beach | $2,214 | -15% |
| Rising Sun-Lebanon | $2,384 | -8% |
| Riverview | $2,418 | -7% |
| Rockland | $2,954 | 14% |
| Rodney Village | $2,485 | -4% |
| Seaford | $2,371 | -9% |
| Selbyville | $2,230 | -14% |
| Smyrna | $2,566 | -1% |
| South Bethany | $2,209 | -15% |
| St. Georges | $3,161 | 22% |
| Townsend | $2,688 | 3% |
| Viola | $2,391 | -8% |
| Wilmington | $3,263 | 26% |
| Wilmington Manor | $3,339 | 28% |
| Winterthur | $2,953 | 14% |
| Woodside | $2,569 | -1% |
| Woodside East | $2,388 | -8% |
| Wyoming | $2,416 | -7% |
| Yorklyn | $2,831 | 9% |
Delaware car insurance laws
Delaware law requires all registered vehicles to have car insurance. You have to keep proof of insurance in your car and show it to law enforcement when asked. The DMV also randomly checks vehicles to make sure they are insured.
The penalty for driving without insurance includes a fine and a suspension of your driver’s license. You can be fined at least $1,500 after a first offense and at least $3,000 for later violations.
Minimum car insurance requirements in Delaware
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $10,000
- Personal injury protection (PIP): $15,000 per person, $30,000 per accident
Liability covers injuries and damage you cause to other people and their property. PIP covers injuries to you and your passengers, no matter who causes the accident.
Collision and comprehensive coverage are not required by law. However, you usually need both for a car loan or lease. The two coverages combine to cover your own car for damage and theft. This makes them worth getting for any car worth more than a few thousand dollars.
Uninsured motorist is an optional coverage that’s often worth getting. It covers you and your passengers for injuries caused by a driver without insurance. The Insurance Research Council estimates that 18% of Delaware drivers don’t have car insurance. This is the eighth-highest uninsured motorist rate in the nation.
Frequently asked questions
Car insurance costs an average of $230 a month in Delaware for full coverage. Minimum liability policies cost an average of $117 a month. You usually pay more if you have bad credit, prior tickets or accidents on your record.
State Farm and Travelers have the cheapest car insurance in Delaware. State Farm has the cheapest full-coverage rates, while Travelers is cheapest for minimum liability. Progressive has the cheapest rates for drivers with a DUI.
No. Delaware has at-fault car accident laws. If you cause an accident, you or your insurance company have to pay for each victim’s medical treatment and car repairs. The amounts you owe may be reduced if the victim or another driver is partially responsible for the accident.