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Get Cheap Car Insurance in Delaware
We monitor insurance prices, helping the average driver in Delaware save up to 29.3% on car insurance.
The Cheapest Minimum Coverage in Delaware
The chart below shows the cheapest car insurance company in Delaware for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Midvale Home & Auto, followed by State Farm, Travelers, and Dairyland.
| Delaware Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $95 |
| State Farm | $96 |
| Travelers | $97 |
| Dairyland | $114 |
Savings for Every Kind of Delaware Driver
Based on our extensive insurance data, we know the average Delaware driver will save about 23% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $534 per year by choosing the right vehicle insurance company. Some Delaware residents are paying out over $2,309 extra every year for auto insurance in Delaware. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Delaware Savings / Yr. |
|---|---|
$534 |
|
$904 |
|
$612 |
|
$528 |
|
$2,547 |
|
$544 |
|
$577 |
Delaware Car Insurance vs. the United States
People living in Delaware pay an average of 24.13% more than the typical driver in the nation. The average driver in Delaware can expect to pay about $1,529 per year, or $2,309 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Delaware for most people.
Car Insurance Prices by Delaware Neighborhood
Insurance Prices
Where is insurance cheapest within Delaware?
The map shows insurance prices in and around Delaware, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $955 per year within the state boundaries, with insurance premiums ranging from a high of $2,597 to a low of $1,642. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Delaware.Pick the Best Car Insurance Company for You in Delaware
The best car insurance provider for most drivers in Delaware
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $534 over the average Delaware car insurance company.
The best car insurance provider for Delaware drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $904 over the competition.
The best car insurance company for Delaware drivers with speeding tickets
>Travelers gave the average person with a speeding ticket the most savings, averaging $612 better than other car insurance companies.
The best auto insurance for Delaware drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $528 less each year.
The least expensive car insurance company for new and young drivers in Delaware
In Delaware, State Farm costs young drivers $2,547 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Delaware
State Farm gave the largest car insurance discounts to married couples, averaging $544 saved each year compared to an average Delaware couple's premiums.
The cheapest car insurance in Delaware for drivers with bad credit
The best Delaware car insurance company for customer service
Recent price drops
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The cheapest large national provider in Delaware
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Delaware driver can expect to pay about $119 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Delaware, USAA has the best prices for drivers with accidents, young drivers, drivers with bad credit, drivers with speeding tickets, married couples, good drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Delaware
What Influences the Cost of Car Insurance in Delaware?
On average, car insurance in Delaware is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Delaware is 33 minutes, which is a little more than average for a driver in the nation.
- Delaware state insurance regulations may require higher prices.
- An average of 6 to 7 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Delaware are about average in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Delaware is one of the least populated areas in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Delaware is $127 per month for minimum coverage and $192 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Maryland: Insurance costs 0.78% less
- District of Columbia: Insurance costs 8.32% more
- New Jersey: Insurance costs 4.68% less
- Pennsylvania: Insurance costs 41.23% less
- Virginia: Insurance costs 57.34% less
- New York: Insurance costs 69.94% more
- Connecticut: Insurance costs 8.23% more
- Rhode Island: Insurance costs 43.35% more
- West Virginia: Insurance costs 33.04% less
- Massachusetts: Insurance costs 30.27% less
States with Similar Populations
- Alaska: Insurance costs 45.34% less
- Hawaii: Insurance costs 46.38% less
- Arizona: Insurance costs 4.89% less
- Arkansas: Insurance costs 18.15% less
- California: Insurance costs 16.54% more
- Florida: Insurance costs 101.73% more
- Georgia: Insurance costs 9.35% less
- Louisiana: Insurance costs 162.36% more
- North Dakota: Insurance costs 41.49% less
- Texas: Insurance costs 10.35% more