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Best Cheap Car Insurance in Delaware for 2021

Jan. 25, 2021
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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 22 insurers in Delaware for several driver types.

Cheapest for 20-year-old drivers in Delaware

Drivers in their 20s may have to get a lot of quotes to find 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 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. Geico: $2,203 per year.
  2. California Casualty: $3,063 per year.
  3. Nationwide: $3,192 per year.
  4. State Farm: $4,054 per year.
  5. Travelers: $4,704 per year.

Cheapest minimum coverage 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. Geico: $1,016 per year.
  2. California Casualty: $1,253 per year.
  3. Allstate: $1,896 per year.
  4. Nationwide: $1,975 per year.
  5. Travelers: $2,043 per year.

Cheapest coverage for 20-year-olds with poor credit in Delaware

Drivers with poor credit in Delaware should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $1,314 per year.
  2. California Casualty: $2,065 per year.
  3. Travelers: $2,078 per year.
  4. Allstate: $2,473 per year.
  5. Nationwide: $2,639 per year.

Cheapest for 20-year-old drivers with one at-fault crash in Delaware

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

  1. Geico: $1,336 per year.
  2. California Casualty: $1,466 per year.
  3. Travelers: $2,043 per year.
  4. Nationwide: $2,253 per year.
  5. Allstate: $2,742 per year.

Cheapest insurance for 20-year-old drivers after a DUI in Delaware

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

  1. Geico: $2,163 per year.
  2. Progressive: $2,370 per year.
  3. Allstate: $2,466 per year.
  4. California Casualty: $2,579 per year.
  5. Nationwide: $2,599 per year.

Cheapest for 30-year-old drivers in Delaware

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 in Delaware for 30-year-olds

Drivers in Delaware with clean driving records may get the lowest rates from these companies:

  1. Travelers: $1,040 per year.
  2. Geico: $1,163 per year.
  3. Nationwide: $1,482 per year.
  4. California Casualty: $1,696 per year.
  5. State Farm: $1,915 per year.

Cheapest minimum coverage 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. Geico: $509 per year.
  2. Travelers: $512 per year.
  3. California Casualty: $683 per year.
  4. MetLife: $814 per year.
  5. Nationwide: $904 per year.

Cheapest coverage for 30-year-olds with poor credit in Delaware

Drivers with poor credit in Delaware should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,471 per year.
  2. Travelers: $1,810 per year.
  3. Nationwide: $1,959 per year.
  4. California Casualty: $2,794 per year.
  5. Progressive: $3,813 per year.

Cheapest for 30-year-old drivers with one at-fault crash in Delaware

For drivers in Delaware with a recent accident, here are the lowest average rate options for full coverage:

  1. Travelers: $1,040 per year.
  2. Geico: $1,794 per year.
  3. Nationwide: $2,079 per year.
  4. California Casualty: $2,150 per year.
  5. Main Street America: $2,700 per year.

Cheapest insurance for 30-year-old drivers after a DUI in Delaware

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Travelers: $1,847 per year.
  2. Nationwide: $2,602 per year.
  3. Progressive: $2,815 per year.
  4. State Farm: $3,101 per year.
  5. Geico: $3,280 per year.

Cheapest for 40-year-old drivers in Delaware

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 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: $1,044 per year.
  2. Geico: $1,162 per year.
  3. Nationwide: $1,457 per year.
  4. California Casualty: $1,683 per year.
  5. State Farm: $1,897 per year.

Cheapest minimum coverage 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. Geico: $507 per year.
  2. Travelers: $525 per year.
  3. California Casualty: $678 per year.
  4. MetLife: $814 per year.
  5. Nationwide: $894 per year.

Cheapest coverage for 40-year-olds with poor credit in Delaware

Drivers with poor credit in Delaware can check out the following insurers with the lowest average rates for full coverage:

  1. Geico: $1,469 per year.
  2. Travelers: $1,720 per year.
  3. Nationwide: $1,926 per year.
  4. California Casualty: $2,772 per year.
  5. Progressive: $3,669 per year.

Cheapest for 40-year-old drivers with one at-fault crash in Delaware

For drivers with a recent accident living in Delaware, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,044 per year.
  2. Geico: $1,785 per year.
  3. Nationwide: $2,052 per year.
  4. California Casualty: $2,135 per year.
  5. Main Street America: $2,700 per year.

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

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

  1. Travelers: $1,795 per year.
  2. Nationwide: $2,575 per year.
  3. Progressive: $2,706 per year.
  4. State Farm: $3,075 per year.
  5. Geico: $3,277 per year.

Cheapest for 50-year-old drivers in Delaware

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 the best cheap car insurance companies is a good place to start.

Cheapest full coverage 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: $903 per year.
  2. Geico: $1,103 per year.
  3. Nationwide: $1,378 per year.
  4. California Casualty: $1,553 per year.
  5. Main Street America: $1,773 per year.

Cheapest minimum coverage 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: $449 per year.
  2. Geico: $472 per year.
  3. California Casualty: $635 per year.
  4. Main Street America: $733 per year.
  5. Progressive: $812 per year.

Cheapest coverage for 50-year-olds with poor credit in Delaware

Drivers with poor credit in Delaware can check with the following companies, which showed the lowest average rates for full coverage:

  1. Geico: $1,400 per year.
  2. Travelers: $1,646 per year.
  3. Nationwide: $1,818 per year.
  4. California Casualty: $2,556 per year.
  5. Progressive: $3,249 per year.

Cheapest for 50-year-old drivers with one at-fault crash in Delaware

For drivers living in Delaware with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Travelers: $946 per year.
  2. Geico: $1,706 per year.
  3. Nationwide: $1,959 per year.
  4. California Casualty: $2,001 per year.
  5. Main Street America: $2,290 per year.

Cheapest insurance for 50-year-old drivers after a DUI in Delaware

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: $1,681 per year.
  2. Nationwide: $2,483 per year.
  3. Progressive: $2,522 per year.
  4. Main Street America: $2,930 per year.
  5. State Farm: $3,033 per year.

Cheapest for 65-year-old drivers in Delaware

Although 65-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 auto insurance for seniors, drivers in their mid-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 in Delaware for 65-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. Travelers: $961 per year.
  2. Geico: $1,198 per year.
  3. Nationwide: $1,347 per year.
  4. California Casualty: $1,497 per year.
  5. State Farm: $1,770 per year.

Cheapest minimum coverage in Delaware for 65-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: $495 per year.
  2. Geico: $522 per year.
  3. California Casualty: $603 per year.
  4. Main Street America: $776 per year.
  5. MetLife: $807 per year.

Cheapest coverage for 65-year-olds with poor credit in Delaware

Drivers with poor credit in Delaware can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $1,507 per year.
  2. Travelers: $1,730 per year.
  3. Nationwide: $1,771 per year.
  4. California Casualty: $2,465 per year.
  5. Progressive: $3,303 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Delaware

For drivers with a recent accident living in Delaware, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,012 per year.
  2. Geico: $1,800 per year.
  3. Nationwide: $1,923 per year.
  4. California Casualty: $1,932 per year.
  5. Main Street America: $2,393 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Delaware

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Travelers: $1,848 per year.
  2. Nationwide: $2,447 per year.
  3. Progressive: $2,794 per year.
  4. State Farm: $2,873 per year.
  5. Main Street America: $3,033 per year.

Cheapest 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 among the cheapest three auto insurance options for 38 of the 40 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.

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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

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 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.

These are rates generated through Quadrant Information Services. Your own rates will be different.