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Cheap Car Insurance in Delaware for 2024

Here is the cheapest car insurance in Delaware according to NerdWallet's analysis.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Updated Dec 1, 2024 · 8 min read
Profile photo of Ben Moore
Written by Ben Moore
Assistant Assigning Editor
Profile photo of Ben Moore
Written by Ben Moore
Assistant Assigning Editor

Nerdy takeaways

  • Travelers offers the cheapest full coverage in Delaware, with an average rate of $1,862 per year according to NerdWallet's November 2024 analysis.

  • Full coverage in Delaware costs an average of $2,527 per year, or $211 per month.

  • If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in Delaware is $1,136 per year, or $95 per month.

Auto insurance is an important purchase, but finding cheap car insurance isn’t always easy. NerdWallet found some of the cheapest car insurance companies in Delaware to help you compare rates and get a better deal for your coverage.

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Keep reading to find the cheapest car insurance in Delaware for different driver profiles and coverage types among:

Cheap car insurance in Delaware

Here's the cheapest full coverage car insurance in Delaware for 35-year-old drivers with different driving records.

CategoryCheapest companyMedian annual rate
Clean driving historyTravelers$1,862
After a DUIProgressive$2,990
After an accidentTravelers$1,862
After a speeding ticketTravelers$1,940
Having poor creditTravelers$3,701

The cheapest car insurance company in Delaware is Travelers at $1,862 per year on average, or $155 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 $2,527 per year, or about $211 per month.

Minimum coverage in Delaware is $1,136 per year on average, but we found you can likely get a cheaper policy. For example, Travelers offers the cheapest rates in Delaware at $731 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Delaware. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

How we chose the cheapest companies in Delaware

NerdWallet’s editorial team analyzed car insurance rates from 10 auto insurers in Delaware and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. 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.

Cheap auto insurance in Delaware 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:

CompanyMedian annual rateMedian monthly rate
Geico$4,129$344
Progressive$4,992$416
State Farm$6,656$555
Nationwide$6,693$558
Donegal$6,938$578

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:

CompanyMedian annual rateMedian monthly rate
Geico$1,592$133
Progressive$2,105$175
State Farm$2,744$229
Donegal$2,826$235
Allstate$3,007$251

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Geico$2,216$185
Progressive$3,212$268
Travelers$4,050$338
Dairyland$4,422$369
Allstate$4,608$384

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Geico$2,110$176
Progressive$2,502$208
Donegal$2,918$243
Travelers$3,123$260
State Farm$3,332$278

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Geico$2,261$188
Progressive$2,931$244
Travelers$3,042$254
Donegal$3,142$262
Allstate$3,883$324

Cheapest car 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.

CompanyMedian annual rateMedian monthly rate
Progressive$2,564$214
Geico$3,586$299
Donegal$4,191$349
Dairyland$4,226$352
Allstate$4,430$369
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Cheap auto insurance in Delaware 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 seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Travelers$1,924$160
Donegal$2,170$181
Geico$2,508$209
Nationwide$2,609$217
Progressive$2,627$219

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:

CompanyMedian annual rateMedian monthly rate
Travelers$689$57
Geico$919$77
Donegal$962$80
State Farm$978$82
Progressive$1,093$91

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Geico$1,294$108
Travelers$1,480$123
Donegal$1,603$134
Progressive$1,660$138
Nationwide$2,113$176

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Travelers$708$59
Donegal$1,054$88
Geico$1,133$94
State Farm$1,155$96
Progressive$1,391$116

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Travelers$689$57
Donegal$1,196$100
Geico$1,346$112
Progressive$1,428$119
State Farm$1,605$134

Cheapest car 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 minimum coverage.

CompanyMedian annual rateMedian monthly rate
Travelers$1,196$100
Progressive$1,252$104
State Farm$1,580$132
Donegal$1,803$150
Geico$2,081$173

Cheap auto insurance in Delaware 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:

CompanyMedian annual rateMedian monthly rate
Travelers$1,868$156
Donegal$2,170$181
Progressive$2,338$195
Nationwide$2,446$204
Geico$2,532$211

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:

CompanyMedian annual rateMedian monthly rate
Travelers$728$61
Geico$906$76
State Farm$960$80
Donegal$962$80
Progressive$964$80

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Geico$1,274$106
Progressive$1,518$126
Travelers$1,529$127
Donegal$1,603$134
Nationwide$1,991$166

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Travelers$743$62
Donegal$1,054$88
Geico$1,133$94
State Farm$1,166$97
Progressive$1,279$107

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Travelers$728$61
Donegal$1,196$100
Geico$1,248$104
Progressive$1,283$107
State Farm$1,599$133

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

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

CompanyMedian annual rateMedian monthly rate
Progressive$1,115$93
Travelers$1,344$112
State Farm$1,600$133
Donegal$1,803$150
Geico$1,852$154

Cheap auto insurance in Delaware 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:

CompanyMedian annual rateMedian monthly rate
Travelers$1,555$130
Donegal$1,910$159
Progressive$2,098$175
Nationwide$2,288$191
Geico$2,463$205

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:

CompanyMedian annual rateMedian monthly rate
Travelers$607$51
Donegal$834$70
Progressive$865$72
Geico$882$74
State Farm$983$82

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Geico$1,237$103
Progressive$1,370$114
Travelers$1,384$115
Donegal$1,393$116
Nationwide$1,915$160

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Travelers$673$56
Donegal$926$77
Geico$1,039$87
Progressive$1,184$99
State Farm$1,196$100

Cheapest car 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 minimum coverage rates:

CompanyMedian annual rateMedian monthly rate
Travelers$656$55
Donegal$1,063$89
Progressive$1,182$99
Geico$1,208$101
State Farm$1,582$132

Cheapest car 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 minimum coverage.

CompanyMedian annual rateMedian monthly rate
Progressive$1,012$84
Travelers$1,193$99
State Farm$1,623$135
Donegal$1,641$137
Geico$1,872$156
Car with shield on road

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.
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Cheap auto insurance in Delaware 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:

CompanyMedian annual rateMedian monthly rate
Travelers$1,617$135
Donegal$1,910$159
Progressive$1,949$162
Nationwide$2,185$182
State Farm$2,364$197

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:

CompanyMedian annual rateMedian monthly rate
Travelers$633$53
Progressive$810$67
Donegal$834$70
Geico$869$72
State Farm$887$74

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Geico$1,217$101
Progressive$1,280$107
Donegal$1,393$116
Travelers$1,432$119
Nationwide$1,833$153

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Travelers$702$58
Donegal$926$77
Geico$1,023$85
State Farm$1,079$90
Progressive$1,128$94

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Travelers$684$57
Donegal$1,063$89
Progressive$1,109$92
Geico$1,265$105
State Farm$1,435$120

Cheapest car 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 minimum coverage.

CompanyMedian annual rateMedian monthly rate
Progressive$954$79
Travelers$1,277$106
State Farm$1,505$125
Donegal$1,641$137
Geico$1,978$165

Cheap auto insurance in Delaware 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:

CompanyMedian annual rateMedian monthly rate
Travelers$1,890$158
Donegal$1,926$160
Progressive$2,151$179
Geico$2,476$206
Nationwide$2,490$208

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:

CompanyMedian annual rateMedian monthly rate
Travelers$751$63
Donegal$816$68
Progressive$887$74
Geico$946$79
State Farm$962$80

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Geico$1,336$111
Donegal$1,366$114
Progressive$1,389$116
Travelers$1,597$133
Nationwide$1,942$162

Cheapest car 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:

CompanyMedian annual rateMedian monthly rate
Travelers$836$70
Donegal$908$76
Geico$1,117$93
State Farm$1,166$97
Progressive$1,292$108

Cheapest car 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 minimum coverage:

CompanyMedian annual rateMedian monthly rate
Travelers$814$68
Donegal$1,043$87
Progressive$1,222$102
Geico$1,495$125
State Farm$1,603$134

Cheapest car 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 minimum coverage.

CompanyMedian annual rateMedian monthly rate
Progressive$1,033$86
Travelers$1,566$131
Donegal$1,617$135
State Farm$1,625$135
Allstate$2,283$190

Cheapest car insurance for military families in Delaware

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.

Minimum auto insurance limits required 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 2021 Toyota Camry LE 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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