The Cheapest Car Insurance in Delaware for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Delaware for a variety of ages and driving histories.
Dec 10, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Delaware isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Delaware is $2,138 per year, or about $178 per month, according to NerdWallet’s analysis. Minimum coverage in Delaware is $969 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Delaware at $569 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest car insurance company overall in Delaware

$101/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$47/month

4.5

NerdWallet rating 

Cheapest for young drivers

$190/month

4.5

NerdWallet rating 

Cheapest for drivers with poor credit

$101/month

4.5

NerdWallet rating 

How we chose the cheapest companies in Delaware

NerdWallet’s editorial team analyzed car insurance rates from 12 auto insurers in Delaware and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Delaware. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Delaware for 20-year-olds

Drivers in Delaware with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Geico: $2,276 per year, or about $190 per month.

  2. Nationwide: $3,181 per year, or about $265 per month.

  3. State Farm: $3,234 per year, or about $270 per month.

  4. California Casualty: $3,337 per year, or about $278 per month.

  5. Progressive: $5,047 per year, or about $421 per month.

Cheapest minimum coverage car insurance in Delaware for 20-year-olds

Drivers in Delaware who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $1,131 per year, or about $94 per month.

  2. California Casualty: $1,399 per year, or about $117 per month.

  3. State Farm: $1,621 per year, or about $135 per month.

  4. Allstate: $1,899 per year, or about $158 per month.

  5. Nationwide: $1,987 per year, or about $166 per month.

Cheapest auto insurance in Delaware for 20-year-olds with poor credit

Drivers with poor credit in Delaware should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $1,463 per year, or about $122 per month.

  2. California Casualty: $2,304 per year, or about $192 per month.

  3. Travelers: $2,389 per year, or about $199 per month.

  4. Allstate: $2,567 per year, or about $214 per month.

  5. Nationwide: $2,669 per year, or about $222 per month.

Cheapest auto insurance in Delaware for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Delaware, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $1,473 per year, or about $123 per month.

  2. California Casualty: $1,636 per year, or about $136 per month.

  3. Nationwide: $2,234 per year, or about $186 per month.

  4. Travelers: $2,354 per year, or about $196 per month.

  5. State Farm: $2,726 per year, or about $227 per month.

Cheapest auto insurance in Delaware for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Geico: $2,390 per year, or about $199 per month.

  2. Allstate: $2,510 per year, or about $209 per month.

  3. Nationwide: $2,543 per year, or about $212 per month.

  4. Progressive: $2,625 per year, or about $219 per month.

  5. State Farm: $2,803 per year, or about $234 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Delaware for 30-year-olds

Drivers in Delaware with clean driving records may get the lowest rates from these companies:

  1. Geico: $1,200 per year, or about $100 per month.

  2. Travelers: $1,327 per year, or about $111 per month.

  3. Nationwide: $1,425 per year, or about $119 per month.

  4. State Farm: $1,553 per year, or about $129 per month.

  5. California Casualty: $1,845 per year, or about $154 per month.

Cheapest minimum coverage car insurance in Delaware for 30-year-olds

Drivers in Delaware who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $569 per year, or about $47 per month.

  2. Travelers: $581 per year, or about $48 per month.

  3. State Farm: $714 per year, or about $60 per month.

  4. California Casualty: $763 per year, or about $64 per month.

  5. MetLife: $836 per year, or about $70 per month.

Cheapest auto insurance in Delaware for 30-year-olds with poor credit

Drivers with poor credit in Delaware should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,520 per year, or about $127 per month.

  2. Nationwide: $1,890 per year, or about $158 per month.

  3. Travelers: $2,247 per year, or about $187 per month.

  4. California Casualty: $3,038 per year, or about $253 per month.

  5. Progressive: $3,639 per year, or about $303 per month.

Cheapest auto insurance in Delaware for 30-year-old drivers with one at-fault crash

For drivers in Delaware with a recent accident, here are the lowest average rate options for full coverage:

  1. Travelers: $1,416 per year, or about $118 per month.

  2. Geico: $1,840 per year, or about $153 per month.

  3. Nationwide: $1,983 per year, or about $165 per month.

  4. California Casualty: $2,341 per year, or about $195 per month.

  5. State Farm: $2,426 per year, or about $202 per month.

Cheapest auto insurance in Delaware for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Travelers: $2,300 per year, or about $192 per month.

  2. Nationwide: $2,472 per year, or about $206 per month.

  3. State Farm: $2,482 per year, or about $207 per month.

  4. Progressive: $2,892 per year, or about $241 per month.

  5. Geico: $3,369 per year, or about $281 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Delaware for 40-year-olds

Drivers in Delaware with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $1,207 per year, or about $101 per month.

  2. Travelers: $1,327 per year, or about $111 per month.

  3. Nationwide: $1,419 per year, or about $118 per month.

  4. State Farm: $1,536 per year, or about $128 per month.

  5. California Casualty: $1,831 per year, or about $153 per month.

Cheapest minimum coverage car insurance in Delaware for 40-year-olds

Drivers in Delaware who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $568 per year, or about $47 per month.

  2. Travelers: $601 per year, or about $50 per month.

  3. State Farm: $720 per year, or about $60 per month.

  4. California Casualty: $757 per year, or about $63 per month.

  5. MetLife: $836 per year, or about $70 per month.

Cheapest auto insurance in Delaware for 40-year-olds with poor credit

Drivers with poor credit in Delaware can check out the following insurers with the lowest average rates for full coverage:

  1. Geico: $1,530 per year, or about $128 per month.

  2. Nationwide: $1,882 per year, or about $157 per month.

  3. Travelers: $2,114 per year, or about $176 per month.

  4. California Casualty: $3,015 per year, or about $251 per month.

  5. Progressive: $3,382 per year, or about $282 per month.

Cheapest auto insurance in Delaware for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Delaware, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,412 per year, or about $118 per month.

  2. Geico: $1,845 per year, or about $154 per month.

  3. Nationwide: $1,986 per year, or about $166 per month.

  4. California Casualty: $2,324 per year, or about $194 per month.

  5. State Farm: $2,419 per year, or about $202 per month.

Cheapest auto insurance in Delaware for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Travelers: $2,343 per year, or about $195 per month.

  2. State Farm: $2,453 per year, or about $204 per month.

  3. Nationwide: $2,486 per year, or about $207 per month.

  4. Progressive: $2,700 per year, or about $225 per month.

  5. Geico: $3,391 per year, or about $283 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap car insurance companies is a good place to start.

Cheapest full coverage car insurance in Delaware for 50-year-olds

Drivers in Delaware with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $1,147 per year, or about $96 per month.

  2. Travelers: $1,191 per year, or about $99 per month.

  3. Nationwide: $1,336 per year, or about $111 per month.

  4. State Farm: $1,505 per year, or about $125 per month.

  5. California Casualty: $1,689 per year, or about $141 per month.

Cheapest minimum coverage car insurance in Delaware for 50-year-olds

Drivers in Delaware who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Travelers: $511 per year, or about $43 per month.

  2. Geico: $530 per year, or about $44 per month.

  3. California Casualty: $709 per year, or about $59 per month.

  4. State Farm: $714 per year, or about $60 per month.

  5. Main Street America: $798 per year, or about $66 per month.

Cheapest auto insurance in Delaware for 50-year-olds with poor credit

Drivers with poor credit in Delaware can check with the following companies, which showed the lowest average rates for full coverage:

  1. Geico: $1,457 per year, or about $121 per month.

  2. Nationwide: $1,767 per year, or about $147 per month.

  3. Travelers: $2,022 per year, or about $168 per month.

  4. California Casualty: $2,780 per year, or about $232 per month.

  5. Progressive: $3,055 per year, or about $255 per month.

Cheapest auto insurance in Delaware for 50-year-old drivers with one at-fault crash

For drivers living in Delaware with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Travelers: $1,294 per year, or about $108 per month.

  2. Geico: $1,762 per year, or about $147 per month.

  3. Nationwide: $1,888 per year, or about $157 per month.

  4. California Casualty: $2,178 per year, or about $182 per month.

  5. Main Street America: $2,352 per year, or about $196 per month.

Cheapest auto insurance in Delaware for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Travelers: $2,188 per year, or about $182 per month.

  2. Nationwide: $2,389 per year, or about $199 per month.

  3. State Farm: $2,418 per year, or about $202 per month.

  4. Progressive: $2,510 per year, or about $209 per month.

  5. Main Street America: $2,992 per year, or about $249 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Delaware for 60-year-olds

Drivers in Delaware with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Geico: $1,138 per year, or about $95 per month.

  2. Travelers: $1,184 per year, or about $99 per month.

  3. Nationwide: $1,250 per year, or about $104 per month.

  4. State Farm: $1,436 per year, or about $120 per month.

  5. California Casualty: $1,629 per year, or about $136 per month.

Cheapest minimum coverage car insurance in Delaware for 60-year-olds

Drivers in Delaware who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $528 per year, or about $44 per month.

  2. Travelers: $539 per year, or about $45 per month.

  3. California Casualty: $672 per year, or about $56 per month.

  4. State Farm: $678 per year, or about $56 per month.

  5. Nationwide: $792 per year, or about $66 per month.

Cheapest auto insurance in Delaware for 60-year-olds with poor credit

Drivers with poor credit in Delaware can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $1,445 per year, or about $120 per month.

  2. Nationwide: $1,647 per year, or about $137 per month.

  3. Travelers: $2,139 per year, or about $178 per month.

  4. California Casualty: $2,682 per year, or about $224 per month.

  5. Progressive: $2,896 per year, or about $241 per month.

Cheapest auto insurance in Delaware for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Delaware, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,359 per year, or about $113 per month.

  2. Geico: $1,740 per year, or about $145 per month.

  3. Nationwide: $1,787 per year, or about $149 per month.

  4. California Casualty: $2,109 per year, or about $176 per month.

  5. State Farm: $2,261 per year, or about $188 per month.

Cheapest auto insurance in Delaware for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Travelers: $2,229 per year, or about $186 per month.

  2. Nationwide: $2,287 per year, or about $191 per month.

  3. State Farm: $2,299 per year, or about $192 per month.

  4. Progressive: $2,411 per year, or about $201 per month.

  5. Main Street America: $2,992 per year, or about $249 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was the cheapest auto insurance option for 36 of the 48 driver profiles we examined.

Minimum required auto insurance in Delaware

Drivers in Delaware must carry liability insurance, which covers others’ injuries and property damage if you cause a crash. Drivers must also carry personal injury protection, which pays out to cover your and your passengers' injuries, no matter who is at fault in a crash.

The minimum required liability limits are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per crash.

  • $10,000 property damage liability per crash.

  • $15,000 personal injury protection per person.

  • $30,000 personal injury protection per crash.

Even though these limits will be enough to drive legally, they may not fully cover others’ damages if you’re liable for a crash. If the cost of injury treatment or vehicle repairs exceeds your coverage amount, the remainder would come out of your own savings and assets.

Check out NerdWallet’s guide to minimum car insurance requirements by state for help choosing liability limits and to learn about common optional coverages you might want, such as collision, comprehensive and uninsured motorist insurance.

Alternative car insurance in Delaware

If you have multiple crashes or violations on your record, a low credit rating or other circumstances that make it difficult to buy car insurance on the voluntary market, you can seek coverage through the Delaware Automobile Insurance Plan.

To view estimates from leading insurers and get the most competitive rates, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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