Cheap Car Insurance in Delaware for February 2024

Travelers offers the cheapest car insurance in Delaware, with an average annual rate of $1,788 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 Travelers at $1,788 per year on average, or $149 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 $2,330 per year, or about $194 per month.

Minimum coverage in Delaware is $1,006 per year on average, but we found you can likely get a cheaper policy. For example, Travelers offers the cheapest rates in Delaware at $674 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: $4,260 per year, or about $355 per month.
  2. Geico: $4,321 per year, or about $360 per month.
  3. State Farm: $5,387 per year, or about $449 per month.
  4. Nationwide: $5,749 per year, or about $479 per month.
  5. Donegal: $5,887 per year, or about $491 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: $1,578 per year, or about $132 per month.
  2. Geico: $1,602 per year, or about $134 per month.
  3. State Farm: $2,242 per year, or about $187 per month.
  4. Progressive: $2,372 per year, or about $198 per month.
  5. Donegal: $2,508 per year, or about $209 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: $2,353 per year, or about $196 per month.
  2. California Casualty: $2,600 per year, or about $217 per month.
  3. Progressive: $3,558 per year, or about $296 per month.
  4. Travelers: $3,722 per year, or about $310 per month.
  5. Nationwide: $4,022 per year, or about $335 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: $1,849 per year, or about $154 per month.
  2. Geico: $2,072 per year, or about $173 per month.
  3. Donegal: $2,600 per year, or about $217 per month.
  4. State Farm: $2,721 per year, or about $227 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. Geico: $2,214 per year, or about $185 per month.
  2. California Casualty: $2,449 per year, or about $204 per month.
  3. Travelers: $2,796 per year, or about $233 per month.
  4. Donegal: $2,809 per year, or about $234 per month.
  5. Progressive: $3,379 per year, or about $282 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. Geico: $3,526 per year, or about $294 per month.
  3. State Farm: $3,725 per year, or about $310 per month.
  4. Donegal: $3,789 per year, or about $316 per month.
  5. Allstate: $3,827 per year, or about $319 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: $1,845 per year, or about $154 per month.
  2. Travelers: $1,854 per year, or about $155 per month.
  3. Main Street America: $1,897 per year, or about $158 per month.
  4. California Casualty: $2,034 per year, or about $170 per month.
  5. State Farm: $2,127 per year, or about $177 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. Travelers: $635 per year, or about $53 per month.
  2. California Casualty: $737 per year, or about $61 per month.
  3. State Farm: $779 per year, or about $65 per month.
  4. Donegal: $861 per year, or about $72 per month.
  5. Main Street America: $923 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. Nationwide: $2,909 per year, or about $242 per month.
  2. California Casualty: $3,350 per year, or about $279 per month.
  3. Donegal: $3,408 per year, or about $284 per month.
  4. Main Street America: $3,543 per year, or about $295 per month.
  5. Travelers: $3,714 per year, or about $310 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: $651 per year, or about $54 per month.
  2. California Casualty: $864 per year, or about $72 per month.
  3. Main Street America: $923 per year, or about $77 per month.
  4. State Farm: $948 per year, or about $79 per month.
  5. Donegal: $953 per year, or about $79 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: $1,854 per year, or about $155 per month.
  2. Donegal: $2,272 per year, or about $189 per month.
  3. Main Street America: $2,618 per year, or about $218 per month.
  4. California Casualty: $3,039 per year, or about $253 per month.
  5. State Farm: $3,221 per year, or about $268 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: $3,259 per year, or about $272 per month.
  2. Travelers: $3,303 per year, or about $275 per month.
  3. Donegal: $3,486 per year, or about $290 per month.
  4. Progressive: $4,031 per year, or about $336 per month.
  5. Nationwide: $4,240 per year, or about $353 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. Travelers: $1,783 per year, or about $149 per month.
  2. Donegal: $1,845 per year, or about $154 per month.
  3. Main Street America: $1,897 per year, or about $158 per month.
  4. California Casualty: $1,938 per year, or about $162 per month.
  5. State Farm: $2,059 per year, or about $172 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. Travelers: $669 per year, or about $56 per month.
  2. California Casualty: $714 per year, or about $59 per month.
  3. State Farm: $785 per year, or about $65 per month.
  4. Donegal: $861 per year, or about $72 per month.
  5. Main Street America: $923 per year, or about $77 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: $2,845 per year, or about $237 per month.
  2. California Casualty: $3,194 per year, or about $266 per month.
  3. Donegal: $3,408 per year, or about $284 per month.
  4. Travelers: $3,532 per year, or about $294 per month.
  5. Main Street America: $3,543 per year, or about $295 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: $688 per year, or about $57 per month.
  2. California Casualty: $837 per year, or about $70 per month.
  3. Main Street America: $923 per year, or about $77 per month.
  4. State Farm: $952 per year, or about $79 per month.
  5. Donegal: $953 per year, or about $79 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: $1,783 per year, or about $149 per month.
  2. Donegal: $2,272 per year, or about $189 per month.
  3. Main Street America: $2,618 per year, or about $218 per month.
  4. California Casualty: $2,902 per year, or about $242 per month.
  5. State Farm: $3,118 per year, or about $260 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: $3,123 per year, or about $260 per month.
  2. State Farm: $3,161 per year, or about $263 per month.
  3. Donegal: $3,486 per year, or about $290 per month.
  4. Progressive: $3,768 per year, or about $314 per month.
  5. Nationwide: $4,191 per year, or about $349 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. Travelers: $1,491 per year, or about $124 per month.
  2. Main Street America: $1,548 per year, or about $129 per month.
  3. Donegal: $1,623 per year, or about $135 per month.
  4. California Casualty: $1,761 per year, or about $147 per month.
  5. Nationwide: $1,992 per year, or about $166 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: $560 per year, or about $47 per month.
  2. California Casualty: $663 per year, or about $55 per month.
  3. Main Street America: $739 per year, or about $62 per month.
  4. Donegal: $748 per year, or about $62 per month.
  5. State Farm: $774 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. Nationwide: $2,643 per year, or about $220 per month.
  2. Main Street America: $2,892 per year, or about $241 per month.
  3. California Casualty: $2,901 per year, or about $242 per month.
  4. Donegal: $2,953 per year, or about $246 per month.
  5. Travelers: $3,303 per year, or about $275 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: $621 per year, or about $52 per month.
  2. Main Street America: $739 per year, or about $62 per month.
  3. California Casualty: $778 per year, or about $65 per month.
  4. Donegal: $840 per year, or about $70 per month.
  5. State Farm: $940 per year, or about $78 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: $1,563 per year, or about $130 per month.
  2. Donegal: $2,026 per year, or about $169 per month.
  3. Main Street America: $2,195 per year, or about $183 per month.
  4. California Casualty: $2,636 per year, or about $220 per month.
  5. State Farm: $3,041 per year, or about $253 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: $2,857 per year, or about $238 per month.
  2. State Farm: $3,084 per year, or about $257 per month.
  3. Donegal: $3,146 per year, or about $262 per month.
  4. Progressive: $3,515 per year, or about $293 per month.
  5. Nationwide: $4,082 per year, or about $340 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. Main Street America: $1,548 per year, or about $129 per month.
  2. Travelers: $1,556 per year, or about $130 per month.
  3. California Casualty: $1,608 per year, or about $134 per month.
  4. Donegal: $1,623 per year, or about $135 per month.
  5. Nationwide: $1,788 per year, or about $149 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. Travelers: $588 per year, or about $49 per month.
  2. California Casualty: $603 per year, or about $50 per month.
  3. State Farm: $717 per year, or about $60 per month.
  4. Main Street America: $739 per year, or about $62 per month.
  5. Donegal: $748 per year, or about $62 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: $2,412 per year, or about $201 per month.
  2. California Casualty: $2,648 per year, or about $221 per month.
  3. Main Street America: $2,892 per year, or about $241 per month.
  4. Donegal: $2,953 per year, or about $246 per month.
  5. Travelers: $3,351 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. Travelers: $652 per year, or about $54 per month.
  2. California Casualty: $708 per year, or about $59 per month.
  3. Main Street America: $739 per year, or about $62 per month.
  4. Donegal: $840 per year, or about $70 per month.
  5. State Farm: $870 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: $1,642 per year, or about $137 per month.
  2. Donegal: $2,026 per year, or about $169 per month.
  3. Main Street America: $2,195 per year, or about $183 per month.
  4. California Casualty: $2,400 per year, or about $200 per month.
  5. State Farm: $2,829 per year, or about $236 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: $2,903 per year, or about $242 per month.
  2. Travelers: $3,044 per year, or about $254 per month.
  3. Donegal: $3,146 per year, or about $262 per month.
  4. Progressive: $3,395 per year, or about $283 per month.
  5. California Casualty: $3,893 per year, or about $324 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: $1,632 per year, or about $136 per month.
  2. Main Street America: $1,635 per year, or about $136 per month.
  3. California Casualty: $1,786 per year, or about $149 per month.
  4. Travelers: $1,820 per year, or about $152 per month.
  5. State Farm: $1,978 per year, or about $165 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: $678 per year, or about $56 per month.
  2. Travelers: $705 per year, or about $59 per month.
  3. Donegal: $728 per year, or about $61 per month.
  4. State Farm: $773 per year, or about $64 per month.
  5. Main Street America: $785 per year, or about $65 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. Donegal: $2,910 per year, or about $243 per month.
  2. California Casualty: $2,939 per year, or about $245 per month.
  3. Nationwide: $2,952 per year, or about $246 per month.
  4. Main Street America: $3,055 per year, or about $255 per month.
  5. Travelers: $3,768 per year, or about $314 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: $785 per year, or about $65 per month.
  2. Travelers: $786 per year, or about $65 per month.
  3. California Casualty: $796 per year, or about $66 per month.
  4. Donegal: $819 per year, or about $68 per month.
  5. State Farm: $939 per year, or about $78 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. Travelers: $1,936 per year, or about $161 per month.
  2. Donegal: $1,982 per year, or about $165 per month.
  3. Main Street America: $2,300 per year, or about $192 per month.
  4. California Casualty: $2,683 per year, or about $224 per month.
  5. State Farm: $3,012 per year, or about $251 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: $3,055 per year, or about $255 per month.
  2. Donegal: $3,090 per year, or about $258 per month.
  3. Travelers: $3,708 per year, or about $309 per month.
  4. Progressive: $4,089 per year, or about $341 per month.
  5. Nationwide: $4,264 per year, or about $355 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 68 of the 70 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 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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