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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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 State Farm at $1,585 per year on average, or $132 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 $2,601 per year, or about $217 per month.

Minimum coverage in Delaware is $1,031 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 $586 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: $3,145 per year, or about $262 per month.
  2. State Farm: $3,745 per year, or about $312 per month.
  3. Geico: $4,669 per year, or about $389 per month.
  4. Donegal: $5,166 per year, or about $430 per month.
  5. Progressive: $6,361 per year, or about $530 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: $1,192 per year, or about $99 per month.
  2. State Farm: $1,798 per year, or about $150 per month.
  3. Geico: $1,892 per year, or about $158 per month.
  4. Donegal: $2,281 per year, or about $190 per month.
  5. Progressive: $2,430 per year, or about $203 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: $1,962 per year, or about $164 per month.
  2. Geico: $2,603 per year, or about $217 per month.
  3. Allstate: $3,549 per year, or about $296 per month.
  4. Progressive: $3,646 per year, or about $304 per month.
  5. Donegal: $3,681 per year, or about $307 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: $1,398 per year, or about $117 per month.
  2. State Farm: $2,216 per year, or about $185 per month.
  3. Geico: $2,312 per year, or about $193 per month.
  4. Donegal: $2,373 per year, or about $198 per month.
  5. Allstate: $2,792 per year, or about $233 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: $1,848 per year, or about $154 per month.
  2. Geico: $2,553 per year, or about $213 per month.
  3. Donegal: $2,571 per year, or about $214 per month.
  4. State Farm: $3,033 per year, or about $253 per month.
  5. Travelers: $3,067 per year, or about $256 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: $2,797 per year, or about $233 per month.
  2. California Casualty: $3,073 per year, or about $256 per month.
  3. Dairyland: $3,089 per year, or about $257 per month.
  4. State Farm: $3,113 per year, or about $259 per month.
  5. Geico: $3,352 per year, or about $279 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. State Farm: $1,610 per year, or about $134 per month.
  2. California Casualty: $1,646 per year, or about $137 per month.
  3. Donegal: $1,805 per year, or about $150 per month.
  4. Travelers: $1,986 per year, or about $166 per month.
  5. Main Street America: $2,402 per year, or about $200 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: $597 per year, or about $50 per month.
  2. State Farm: $695 per year, or about $58 per month.
  3. Travelers: $732 per year, or about $61 per month.
  4. Donegal: $865 per year, or about $72 per month.
  5. Geico: $926 per year, or about $77 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. California Casualty: $2,712 per year, or about $226 per month.
  2. Donegal: $3,307 per year, or about $276 per month.
  3. Geico: $3,425 per year, or about $285 per month.
  4. Travelers: $4,105 per year, or about $342 per month.
  5. State Farm: $4,223 per year, or about $352 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. California Casualty: $701 per year, or about $58 per month.
  2. Travelers: $753 per year, or about $63 per month.
  3. State Farm: $850 per year, or about $71 per month.
  4. Donegal: $957 per year, or about $80 per month.
  5. Main Street America: $973 per year, or about $81 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: $1,986 per year, or about $166 per month.
  2. Donegal: $2,225 per year, or about $185 per month.
  3. California Casualty: $2,444 per year, or about $204 per month.
  4. State Farm: $2,511 per year, or about $209 per month.
  5. Main Street America: $2,990 per year, or about $249 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. State Farm: $2,567 per year, or about $214 per month.
  2. Donegal: $3,412 per year, or about $284 per month.
  3. Travelers: $3,510 per year, or about $292 per month.
  4. Main Street America: $3,630 per year, or about $302 per month.
  5. California Casualty: $3,938 per year, or about $328 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. California Casualty: $1,578 per year, or about $132 per month.
  2. State Farm: $1,595 per year, or about $133 per month.
  3. Donegal: $1,805 per year, or about $150 per month.
  4. Travelers: $1,894 per year, or about $158 per month.
  5. Geico: $2,336 per year, or about $195 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: $577 per year, or about $48 per month.
  2. State Farm: $699 per year, or about $58 per month.
  3. Travelers: $724 per year, or about $60 per month.
  4. Donegal: $865 per year, or about $72 per month.
  5. Geico: $879 per year, or about $73 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. California Casualty: $2,600 per year, or about $217 per month.
  2. Donegal: $3,307 per year, or about $276 per month.
  3. Geico: $3,346 per year, or about $279 per month.
  4. Travelers: $3,826 per year, or about $319 per month.
  5. State Farm: $4,155 per year, or about $346 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. California Casualty: $678 per year, or about $56 per month.
  2. Travelers: $745 per year, or about $62 per month.
  3. State Farm: $858 per year, or about $71 per month.
  4. Donegal: $957 per year, or about $80 per month.
  5. Main Street America: $973 per year, or about $81 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: $1,894 per year, or about $158 per month.
  2. Donegal: $2,225 per year, or about $185 per month.
  3. California Casualty: $2,342 per year, or about $195 per month.
  4. State Farm: $2,488 per year, or about $207 per month.
  5. Main Street America: $2,990 per year, or about $249 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. State Farm: $2,544 per year, or about $212 per month.
  2. Travelers: $3,353 per year, or about $279 per month.
  3. Donegal: $3,412 per year, or about $284 per month.
  4. Main Street America: $3,630 per year, or about $302 per month.
  5. California Casualty: $3,774 per year, or about $315 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. California Casualty: $1,436 per year, or about $120 per month.
  2. State Farm: $1,556 per year, or about $130 per month.
  3. Travelers: $1,621 per year, or about $135 per month.
  4. Donegal: $1,622 per year, or about $135 per month.
  5. Main Street America: $1,978 per year, or about $165 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. California Casualty: $540 per year, or about $45 per month.
  2. Travelers: $613 per year, or about $51 per month.
  3. State Farm: $691 per year, or about $58 per month.
  4. Donegal: $767 per year, or about $64 per month.
  5. Main Street America: $778 per year, or about $65 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. California Casualty: $2,366 per year, or about $197 per month.
  2. Donegal: $2,929 per year, or about $244 per month.
  3. Geico: $3,135 per year, or about $261 per month.
  4. Travelers: $3,564 per year, or about $297 per month.
  5. Main Street America: $3,695 per year, or about $308 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. California Casualty: $635 per year, or about $53 per month.
  2. Travelers: $681 per year, or about $57 per month.
  3. Main Street America: $778 per year, or about $65 per month.
  4. State Farm: $846 per year, or about $71 per month.
  5. Donegal: $859 per year, or about $72 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: $1,721 per year, or about $143 per month.
  2. Donegal: $2,022 per year, or about $168 per month.
  3. California Casualty: $2,129 per year, or about $177 per month.
  4. State Farm: $2,433 per year, or about $203 per month.
  5. Main Street America: $2,518 per year, or about $210 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. State Farm: $2,486 per year, or about $207 per month.
  2. Donegal: $3,132 per year, or about $261 per month.
  3. Main Street America: $3,158 per year, or about $263 per month.
  4. Travelers: $3,183 per year, or about $265 per month.
  5. California Casualty: $3,428 per year, or about $286 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: $1,312 per year, or about $109 per month.
  2. State Farm: $1,453 per year, or about $121 per month.
  3. Donegal: $1,622 per year, or about $135 per month.
  4. Travelers: $1,699 per year, or about $142 per month.
  5. Main Street America: $1,978 per year, or about $165 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: $491 per year, or about $41 per month.
  2. State Farm: $638 per year, or about $53 per month.
  3. Travelers: $648 per year, or about $54 per month.
  4. Donegal: $767 per year, or about $64 per month.
  5. Main Street America: $778 per year, or about $65 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. California Casualty: $2,161 per year, or about $180 per month.
  2. Donegal: $2,929 per year, or about $244 per month.
  3. Geico: $3,206 per year, or about $267 per month.
  4. Travelers: $3,679 per year, or about $307 per month.
  5. Main Street America: $3,695 per year, or about $308 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: $576 per year, or about $48 per month.
  2. Travelers: $720 per year, or about $60 per month.
  3. Main Street America: $778 per year, or about $65 per month.
  4. State Farm: $782 per year, or about $65 per month.
  5. Donegal: $859 per year, or about $72 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: $1,855 per year, or about $155 per month.
  2. California Casualty: $1,943 per year, or about $162 per month.
  3. Donegal: $2,022 per year, or about $168 per month.
  4. State Farm: $2,265 per year, or about $189 per month.
  5. Main Street America: $2,518 per year, or about $210 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. State Farm: $2,315 per year, or about $193 per month.
  2. California Casualty: $3,127 per year, or about $261 per month.
  3. Donegal: $3,132 per year, or about $261 per month.
  4. Main Street America: $3,158 per year, or about $263 per month.
  5. Travelers: $3,394 per year, or about $283 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. California Casualty: $1,448 per year, or about $121 per month.
  2. State Farm: $1,542 per year, or about $129 per month.
  3. Donegal: $1,628 per year, or about $136 per month.
  4. Travelers: $1,946 per year, or about $162 per month.
  5. Main Street America: $2,084 per year, or about $174 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. California Casualty: $552 per year, or about $46 per month.
  2. State Farm: $690 per year, or about $57 per month.
  3. Donegal: $747 per year, or about $62 per month.
  4. Travelers: $774 per year, or about $65 per month.
  5. Main Street America: $827 per year, or about $69 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: $2,384 per year, or about $199 per month.
  2. Donegal: $2,888 per year, or about $241 per month.
  3. Geico: $3,491 per year, or about $291 per month.
  4. Main Street America: $3,892 per year, or about $324 per month.
  5. State Farm: $4,010 per year, or about $334 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. California Casualty: $649 per year, or about $54 per month.
  2. Main Street America: $827 per year, or about $69 per month.
  3. Donegal: $839 per year, or about $70 per month.
  4. State Farm: $845 per year, or about $70 per month.
  5. Travelers: $864 per year, or about $72 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: $1,978 per year, or about $165 per month.
  2. Travelers: $2,130 per year, or about $178 per month.
  3. California Casualty: $2,161 per year, or about $180 per month.
  4. State Farm: $2,416 per year, or about $201 per month.
  5. Main Street America: $2,636 per year, or about $220 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. State Farm: $2,469 per year, or about $206 per month.
  2. Donegal: $3,077 per year, or about $256 per month.
  3. Main Street America: $3,276 per year, or about $273 per month.
  4. California Casualty: $3,507 per year, or about $292 per month.
  5. Travelers: $4,010 per year, or about $334 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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