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Best Cheap Car Insurance in Delaware for 2019

March 19, 2019
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Finding cheap car insurance in Delaware can be a struggle. Rates vary by company, age, marital status, credit history and other factors.

By shopping around, however, you can weed out the most jaw-dropping quotes and find competitive deals. To make things easier, NerdWallet tested rates from the six largest insurers in Delaware for several driver types.

Cheapest for good drivers

State Farm had the lowest rates for good drivers in Delaware with good credit, at roughly $149 per month, on average. Nationwide was only $8 more per year, on average, and Geico was third-cheapest.

InsurerAverage price
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For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

Nationwide had the cheapest auto insurance rates we found for Delaware drivers with blemished credit, at $207 per month, on average. Geico and Progressive came in second and third, respectively.

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Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

Delawareans who have recently caused a wreck may want to check out State Farm, which had the lowest auto insurance rates for this group at $178 per month, on average. Nationwide and Geico complete the list.

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To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest for low-mileage drivers

State Farm was the cheapest insurer for Delaware residents who drive few annual miles, at $129 per month, on average. Geico and Nationwide were second- and third-cheapest, respectively.

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Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Cheapest for minimum coverage

Progressive was the cheapest auto insurance company we found for minimum coverage in Delaware, at $77 per month, on average. Geico and State Farm round out the cheapest three.

InsurerAverage price
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We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.

Cheap for military families

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  • Available only to active military members, veterans and their families.

If you’re an active military member or a veteran — or have an immediate family member who is — USAA is a good bet for finding cheap car insurance in Delaware. The company is not available to the general public, so we don’t rank it against the others, but it offered the cheapest average prices in every category listed above — often by a significant amount.

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.

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.

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.

And in case you missed anything, here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Delaware

CategoryCheapest option
Good driversState Farm
Drivers with poor credit
Drivers with one at-fault accidentState Farm
Low-mileage driversState Farm
Minimum coverageProgressive
Cheap for military familiesUSAA
For our base-profile driver with good credit and a clean driving history, NerdWallet averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per crash.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

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

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.