Cheap Car Insurance in Delaware for 2023

State Farm offers the cheapest car insurance in Delaware, with an average monthly rate of $132 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Delaware isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Delaware is Donegal at $1,690 per year on average, or $141 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Delaware. Meanwhile, the average cost of full coverage car insurance in Delaware is $2,410 per year, or about $201 per month.

Minimum coverage in Delaware is $1,007 per year on average, but we found you can likely get a cheaper policy. For example, California Casualty offers the cheapest rates in Delaware at $629 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Delaware

NerdWallet’s editorial team analyzed car insurance rates from 12 auto insurers in Delaware and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

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 Delaware 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 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. California Casualty: $3,686 per year, or about $307 per month.
  2. Geico: $4,414 per year, or about $368 per month.
  3. Donegal: $5,326 per year, or about $444 per month.
  4. Nationwide: $5,437 per year, or about $453 per month.
  5. Main Street America: $6,229 per year, or about $519 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. California Casualty: $1,364 per year, or about $114 per month.
  2. Geico: $1,819 per year, or about $152 per month.
  3. Donegal: $2,345 per year, or about $195 per month.
  4. Progressive: $2,372 per year, or about $198 per month.
  5. Travelers: $2,770 per year, or about $231 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. California Casualty: $2,245 per year, or about $187 per month.
  2. Geico: $2,704 per year, or about $225 per month.
  3. Progressive: $3,558 per year, or about $296 per month.
  4. Travelers: $3,691 per year, or about $308 per month.
  5. Donegal: $3,732 per year, or about $311 per month.

Cheapest auto insurance in Delaware for 20-year-old drivers with one speeding ticket

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

  1. California Casualty: $1,599 per year, or about $133 per month.
  2. Geico: $2,399 per year, or about $200 per month.
  3. Donegal: $2,437 per year, or about $203 per month.
  4. Main Street America: $2,674 per year, or about $223 per month.
  5. Progressive: $2,754 per year, or about $230 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. California Casualty: $2,117 per year, or about $176 per month.
  2. Geico: $2,399 per year, or about $200 per month.
  3. Donegal: $2,645 per year, or about $220 per month.
  4. Travelers: $2,770 per year, or about $231 per month.
  5. Main Street America: $3,211 per year, or about $268 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. Progressive: $2,693 per year, or about $224 per month.
  2. Dairyland: $3,115 per year, or about $260 per month.
  3. Geico: $3,478 per year, or about $290 per month.
  4. California Casualty: $3,520 per year, or about $293 per month.
  5. Donegal: $3,560 per year, or about $297 per month.

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

  1. Donegal: $1,690 per year, or about $141 per month.
  2. California Casualty: $1,769 per year, or about $147 per month.
  3. Travelers: $1,858 per year, or about $155 per month.
  4. Main Street America: $2,046 per year, or about $171 per month.
  5. Nationwide: $2,078 per year, or about $173 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. California Casualty: $641 per year, or about $53 per month.
  2. Travelers: $659 per year, or about $55 per month.
  3. Main Street America: $689 per year, or about $57 per month.
  4. Donegal: $807 per year, or about $67 per month.
  5. Geico: $950 per year, or about $79 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. Nationwide: $2,757 per year, or about $230 per month.
  2. California Casualty: $2,911 per year, or about $243 per month.
  3. Donegal: $3,053 per year, or about $254 per month.
  4. Travelers: $3,723 per year, or about $310 per month.
  5. Geico: $3,736 per year, or about $311 per month.

Cheapest auto insurance in Delaware for 30-year-old drivers with one speeding ticket

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

  1. Travelers: $676 per year, or about $56 per month.
  2. California Casualty: $752 per year, or about $63 per month.
  3. Main Street America: $810 per year, or about $68 per month.
  4. Donegal: $899 per year, or about $75 per month.
  5. Geico: $1,287 per year, or about $107 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: $1,858 per year, or about $155 per month.
  2. Donegal: $2,107 per year, or about $176 per month.
  3. Main Street America: $2,594 per year, or about $216 per month.
  4. California Casualty: $2,637 per year, or about $220 per month.
  5. Nationwide: $3,103 per year, or about $259 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. Donegal: $3,225 per year, or about $269 per month.
  2. Main Street America: $3,234 per year, or about $270 per month.
  3. Travelers: $3,274 per year, or about $273 per month.
  4. Progressive: $3,904 per year, or about $325 per month.
  5. Nationwide: $4,004 per year, or about $334 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. Donegal: $1,690 per year, or about $141 per month.
  2. California Casualty: $1,690 per year, or about $141 per month.
  3. Travelers: $1,758 per year, or about $146 per month.
  4. Nationwide: $2,035 per year, or about $170 per month.
  5. Main Street America: $2,046 per year, or about $171 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. California Casualty: $624 per year, or about $52 per month.
  2. Travelers: $665 per year, or about $55 per month.
  3. Main Street America: $689 per year, or about $57 per month.
  4. Donegal: $807 per year, or about $67 per month.
  5. Geico: $891 per year, or about $74 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. Nationwide: $2,699 per year, or about $225 per month.
  2. California Casualty: $2,782 per year, or about $232 per month.
  3. Donegal: $3,053 per year, or about $254 per month.
  4. Travelers: $3,505 per year, or about $292 per month.
  5. Geico: $3,633 per year, or about $303 per month.

Cheapest auto insurance in Delaware for 40-year-old drivers with one speeding ticket

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

  1. Travelers: $683 per year, or about $57 per month.
  2. California Casualty: $733 per year, or about $61 per month.
  3. Main Street America: $810 per year, or about $68 per month.
  4. Donegal: $899 per year, or about $75 per month.
  5. Geico: $1,287 per year, or about $107 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: $1,758 per year, or about $146 per month.
  2. Donegal: $2,107 per year, or about $176 per month.
  3. California Casualty: $2,523 per year, or about $210 per month.
  4. Main Street America: $2,594 per year, or about $216 per month.
  5. Nationwide: $3,056 per year, or about $255 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: $3,086 per year, or about $257 per month.
  2. Donegal: $3,225 per year, or about $269 per month.
  3. Main Street America: $3,234 per year, or about $270 per month.
  4. Progressive: $3,684 per year, or about $307 per month.
  5. Nationwide: $3,960 per year, or about $330 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 auto 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. Donegal: $1,489 per year, or about $124 per month.
  2. Travelers: $1,490 per year, or about $124 per month.
  3. California Casualty: $1,539 per year, or about $128 per month.
  4. Main Street America: $1,682 per year, or about $140 per month.
  5. Nationwide: $1,891 per year, or about $158 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. Main Street America: $550 per year, or about $46 per month.
  2. Travelers: $556 per year, or about $46 per month.
  3. California Casualty: $578 per year, or about $48 per month.
  4. Donegal: $701 per year, or about $58 per month.
  5. Geico: $861 per year, or about $72 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. Nationwide: $2,505 per year, or about $209 per month.
  2. California Casualty: $2,532 per year, or about $211 per month.
  3. Donegal: $2,648 per year, or about $221 per month.
  4. Main Street America: $3,143 per year, or about $262 per month.
  5. Travelers: $3,272 per year, or about $273 per month.

Cheapest auto insurance in Delaware for 50-year-old drivers with one speeding ticket

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

  1. Travelers: $617 per year, or about $51 per month.
  2. Main Street America: $648 per year, or about $54 per month.
  3. California Casualty: $678 per year, or about $57 per month.
  4. Donegal: $793 per year, or about $66 per month.
  5. Geico: $1,136 per year, or about $95 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: $1,568 per year, or about $131 per month.
  2. Donegal: $1,884 per year, or about $157 per month.
  3. Main Street America: $2,190 per year, or about $183 per month.
  4. California Casualty: $2,291 per year, or about $191 per month.
  5. Nationwide: $2,880 per year, or about $240 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. Main Street America: $2,830 per year, or about $236 per month.
  2. Travelers: $2,871 per year, or about $239 per month.
  3. Donegal: $2,923 per year, or about $244 per month.
  4. Progressive: $3,473 per year, or about $289 per month.
  5. California Casualty: $3,699 per year, or about $308 per month.

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 car 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. California Casualty: $1,402 per year, or about $117 per month.
  2. Donegal: $1,489 per year, or about $124 per month.
  3. Travelers: $1,561 per year, or about $130 per month.
  4. Main Street America: $1,682 per year, or about $140 per month.
  5. Nationwide: $1,701 per year, or about $142 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. California Casualty: $526 per year, or about $44 per month.
  2. Main Street America: $550 per year, or about $46 per month.
  3. Travelers: $585 per year, or about $49 per month.
  4. Donegal: $701 per year, or about $58 per month.
  5. Progressive: $886 per year, or about $74 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. Nationwide: $2,292 per year, or about $191 per month.
  2. California Casualty: $2,307 per year, or about $192 per month.
  3. Donegal: $2,648 per year, or about $221 per month.
  4. Main Street America: $3,143 per year, or about $262 per month.
  5. Travelers: $3,352 per year, or about $279 per month.

Cheapest auto insurance in Delaware for 60-year-old drivers with one speeding ticket

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

  1. California Casualty: $617 per year, or about $51 per month.
  2. Travelers: $648 per year, or about $54 per month.
  3. Main Street America: $648 per year, or about $54 per month.
  4. Donegal: $793 per year, or about $66 per month.
  5. Geico: $1,136 per year, or about $95 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: $1,649 per year, or about $137 per month.
  2. Donegal: $1,884 per year, or about $157 per month.
  3. California Casualty: $2,089 per year, or about $174 per month.
  4. Main Street America: $2,190 per year, or about $183 per month.
  5. Nationwide: $2,699 per year, or about $225 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. Main Street America: $2,830 per year, or about $236 per month.
  2. Donegal: $2,923 per year, or about $244 per month.
  3. Travelers: $3,060 per year, or about $255 per month.
  4. Progressive: $3,283 per year, or about $274 per month.
  5. California Casualty: $3,381 per year, or about $282 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Delaware for 70-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. Donegal: $1,497 per year, or about $125 per month.
  2. California Casualty: $1,553 per year, or about $129 per month.
  3. Main Street America: $1,773 per year, or about $148 per month.
  4. Travelers: $1,812 per year, or about $151 per month.
  5. Nationwide: $2,114 per year, or about $176 per month.

Cheapest minimum coverage car insurance in Delaware for 70-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. Main Street America: $585 per year, or about $49 per month.
  2. California Casualty: $588 per year, or about $49 per month.
  3. Donegal: $682 per year, or about $57 per month.
  4. Travelers: $701 per year, or about $58 per month.
  5. Progressive: $1,057 per year, or about $88 per month.

Cheapest auto insurance in Delaware for 70-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. California Casualty: $2,557 per year, or about $213 per month.
  2. Donegal: $2,609 per year, or about $217 per month.
  3. Nationwide: $2,802 per year, or about $233 per month.
  4. Main Street America: $3,312 per year, or about $276 per month.
  5. Travelers: $3,792 per year, or about $316 per month.

Cheapest auto insurance in Delaware for 70-year-old drivers with one speeding ticket

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

  1. Main Street America: $689 per year, or about $57 per month.
  2. California Casualty: $691 per year, or about $58 per month.
  3. Donegal: $774 per year, or about $64 per month.
  4. Travelers: $780 per year, or about $65 per month.
  5. Geico: $1,204 per year, or about $100 per month.

Cheapest auto insurance in Delaware for 70-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. Donegal: $1,843 per year, or about $154 per month.
  2. Travelers: $1,948 per year, or about $162 per month.
  3. Main Street America: $2,291 per year, or about $191 per month.
  4. California Casualty: $2,330 per year, or about $194 per month.
  5. Nationwide: $3,140 per year, or about $262 per month.

Cheapest auto insurance in Delaware for 70-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. Donegal: $2,870 per year, or about $239 per month.
  2. Main Street America: $2,931 per year, or about $244 per month.
  3. Travelers: $3,693 per year, or about $308 per month.
  4. California Casualty: $3,792 per year, or about $316 per month.
  5. Progressive: $3,929 per year, or about $327 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 options for 70 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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.

» MORE: The best home insurance in Delaware

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 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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