Fact CheckedKey takeaways
GEICO is our top pick for Delaware drivers based on our 2026 analysis of factors like financial strength, customer experience and discount options.
Travelers offers the best cheap car insurance in Delaware.
Nationwide delivers the best digital experience in the state, based on its website functionality and top-rated usage-based insurance offerings.
Progressive offers some of the best coverage add-ons for Delaware drivers.
Amica is the best option for drivers who want to bundle their auto insurance with a home or renters policy.
NerdWallet’s editorial team collected and analyzed data on 9 auto insurers that sell policies in Delaware. We then scored each for a variety of factors to determine the best car insurance companies in the state. Some of the categories we considered were financial stability, digital experience, customer satisfaction and offered discounts.
Our top picks for March 2026 are:
Category winner | NerdWallet star rating |
|---|---|
Best overall pick: GEICO | |
Best budget pick: Travelers | |
Best digital experience: Nationwide | |
Best coverage add-ons: Progressive | |
Best bundling options: Amica |
For our list of the best car insurance companies in Delaware, we only considered insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:
Financial strength: We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.
Consumer experience: These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners (NAIC). We also look at survey data from J.D. Power’s yearly national and regional studies.
Digital ease of use: This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on user ratings, and whether a user can start and track a claim, or get a quote online.
Ways to save: We look at the kinds of discounts a company offers and the total number of discounts available.
You can read our full auto insurance methodology to learn more.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state 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.
See what you could save on car insurance
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Best overall pick: GEICO
Full coverage
$221 /month
Liability only
$76 /month
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why we picked it: GEICO earned the best possible ratings for financial strength and savings options in our 2026 analysis. It also provides a great digital experience, both online and in the GEICO app. All of this combines to make it the best car insurance company in Delaware.
Digital experience. GEICO’s mobile app boasts high user ratings in both the Google Play and Apple app stores. Its website provides useful information about car insurance, including how much you can save with each discount. You’re also able to get a quote online without needing to connect with an agent — something not every insurer offers.
Number of discounts. GEICO offers a long list of ways to save on a policy, including discounts for driving a new car and shopping for a new policy before your current one ends. You can even earn a discount for getting your quote online, taking advantage of GEICO’s excellent online experience.
» Read more: GEICO auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,647 $912 One speeding ticket, good credit $3,345 $1,133 One at-fault crash, good credit $4,068 $1,332 One DUI, good credit $6,365 $2,219 Clean driving record, poor credit $3,955 $1,284 Rates refreshed March 2026.
Best budget pick: Travelers
Full coverage
$163 /month
Liability only
$59 /month
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, & WI.
Why we picked it: Travelers had some of the cheapest car insurance in Delaware for common driver types in our March 2026 analysis. Travelers also offers an expansive selection of coverage add-ons, plus an excellent online experience and a great variety of discounts to help you keep your car insurance affordable.
While Travelers was often the most affordable company in our analysis, it might not be the cheapest for you. We recommend comparing car insurance quotes from at least three insurers to make sure you're getting the best price possible.
Accident forgiveness. Travelers offers two different accident forgiveness plans.
Decreasing deductible. If you are a safe driver, then Travelers’ premier safe driver plan could lower the cost of your deductible, or remove it completely if your car is totaled.
Bundling discount. You might be eligible for a car insurance discount from Travelers if you own a home or condo, even if you insure it through a different provider.
Coverage add-ons. Travelers offers both gap coverage and new car replacement as policy add-ons, and Delaware drivers might be able to get Travelers rideshare coverage as well.
» Read more: Travelers auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,950 $708 One speeding ticket, good credit $1,940 $864 One at-fault crash, good credit $2,778 $1,028 One DUI, good credit $5,205 $1,982 Clean driving record, poor credit $3,723 $1,489 Rates refreshed March 2026.
Best digital experience: Nationwide
Full coverage
$259 /month
Liability only
$158 /month
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AL, AR, AZ, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why we picked it: Nationwide earned an almost-perfect score for its online features in our 2026 comparison of insurers. That’s because drivers can get quotes, plus file and track claims on Nationwide’s website. Additionally, it offers SmartRide and SmartMiles, two usage-based car insurance programs that set your insurance prices based on your driving habits. These helped earn Nationwide the top score in J.D. Power’s customer satisfaction survey for usage-based insurance.
Customer satisfaction. Nationwide earned fewer customer complaints than expected for an insurance company of its size, according to data reported by the NAIC. It also scored above average in J.D. Power’s Insurance Shopping Study and near the top of J.D. Power’s Claims Satisfaction Study.
Coverage add-ons. Nationwide offers optional coverages that may not be available from other companies, like gap insurance and accident forgiveness. You could also add a feature that reduces your auto insurance deductible by $100 for each year you maintain a clean driving record (up to a maximum of $500).
» Read more: Nationwide auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $3,112 $1,899 One speeding ticket, good credit $3,941 $2,505 One at-fault crash, good credit $4,863 $2,989 One DUI, good credit $6,326 $3,593 Clean driving record, poor credit $4,541 $2,474 Rates refreshed March 2026.
Best coverage add-ons: Progressive
Full coverage
$227 /month
Liability only
$93 /month
Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why we picked it: Progressive offers one of the best selections of optional coverages compared to other top companies. You can choose an add-on that will pay for minor dents or mechanical repairs, and if you have a full coverage policy then you could get up to $1,000 of vet bills reimbursed for pet injuries caused by a covered accident.
Excellent mobile experience. Progressive’s mobile app received high customer ratings from both Android and Apple users. And while many insurers let you get a quote online, you can actually get a quote and then start a new Progressive policy without talking to an agent.
Teen driver discount. Young drivers are often the most expensive to insure, regardless of their driving history. Progressive offers discounts for keeping a teen driver on your policy for at least a year and for a teen driver maintaining good grades, both of which may help manage that cost.
Coverage add-ons. We already highlighted that Progressive may cover minor damage repair and vet bills, but the company also offers custom parts coverage and gap coverage as add-ons.
» Read more: Progressive auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,722 $1,117 One speeding ticket, good credit $3,707 $1,474 One at-fault crash, good credit $3,695 $1,462 One DUI, good credit $3,250 $1,287 Clean driving record, poor credit $4,124 $1,679 Rates refreshed March 2026.
Best bundling options: Amica
Low consumer complaints and a wide variety of policy perks and discounts make Amica a top-rated choice for good drivers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why we picked it: Amica scored at or near the top for most of the categories we consider when choosing the best car insurance companies for 2026. It has strong financial strength, great coverage options and high scores for both customer complaints and online experience. Also, Amica is one of the best companies for bundling home and auto insurance (or renters and auto insurance) in terms of how much you could save.
Optional dividends. You can choose between a traditional auto insurance policy or one that pays out a dividend. Amica admits the dividend policies can cost more at first, but these policies may return a percentage of your insurance costs. If you decide to try it, you can pick whether you want to be paid directly or apply the savings to your next premium.
Discount options. Amica offers a wide variety of discounts, including multiple discounts that young drivers on your policy may earn, as well as discounts for driving a vehicle with common safety features.
» Read more: Amica auto insurance review
We don’t have rates data for Amica specific to Delaware drivers. However, we've found that it can be more expensive than average for drivers across the U.S.
Driver profile Amica's average rate National average rate Clean driving record, good credit $3,167 $2,324 One speeding ticket, good credit $4,114 $2,981 One at-fault crash, good credit $3,957 $3,443 One DUI, good credit $11,783 $4,375 Clean driving record, poor credit $9,541 $3,926 Driver age Amica's median rate National median rate 20 $6,793 $4,734 30 $3,194 $2,403 35 $3,167 $2,324 40 $3,111 $2,254 50 $2,917 $2,096 60 $2,917 $2,004 70 $2,971 $2,139 Rates refreshed March 2026.
See what you could save on car insurance
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Other top car insurance companies in Delaware
If you’re looking for more car insurance companies in Delaware, here are a few more top insurers that earned a NerdWallet star rating of 4.5 or higher. Each one could be a great choice, depending on your driving history and coverage needs.
Company | Why we picked it |
|---|---|
Best for high-risk drivers | |
Best for teachers | |
Best mobile app experience | |
Best for older drivers | |
USAA* | Best for military families |
*USAA is available only to members of the military, veterans and their families. | |
How much does car insurance cost in Delaware?
Car insurance costs can change, even if all of your personal information stays the same. That’s because insurers use a wide range of factors to calculate how much drivers pay for coverage. Your age, location, vehicle details, driving history and coverage needs all affect your insurance costs, and so do economic and weather trends.
That can make it difficult to know what to expect when you’re shopping for insurance. But our car insurance calculator can show you the average cost in your area. Just enter your ZIP code below and see what you can expect to pay:
Enter your ZIP code to find the average monthly car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average monthly car insurance rate in your ZIP code:
$0All Delaware drivers are required to carry liability car insurance, which pays for others' injuries or property damage if you're responsible for an accident.
The minimum coverage requirements you must buy in Delaware are:
Bodily injury liability insurance that pays up to $25,000 per person injured, and up to a total of $50,000 per accident.
Property damage liability insurance that pays up to $10,000 per accident.
Drivers in Delaware are also required to carry Personal Injury Protection, or PIP. This type of coverage helps you pay medical expenses and can replace some of your lost wages, regardless of who caused the accident.
A policy in Delaware must include enough PIP to cover:
At least $15,000 per person.
At least $30,000 for all persons injured in a single accident.
Delaware’s car insurance requirements may help cover the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits. But we recommend buying more than the minimum to avoid being left vulnerable to lawsuits or major accident bills.
You can also consider adding optional coverage types such as collision and comprehensive insurance, which pay for damage to or theft of your own vehicle. A minimum insurance policy in Delaware won’t cover this type of damage if you’re at fault for an accident.
How to choose the right insurer
Every driver is different, and that can make it hard to figure out which insurance company is the best option for you. Here are a few things you should expect from any top insurer:
Affordable pricing so you can actually get a policy. (This includes having a good variety of discounts.)
Coverage options in case you need specialty coverage or want more than the standard coverage limits.
Great customer service that can simplify the claims process if or when you need it.
Reliable reputation so you can have peace of mind that the company will be there for you.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Auto Insurance Study. Accessed Mar 13, 2026.
- 2.J.D. Power. 2025 U.S. Insurance Shopping Study. Accessed Mar 13, 2026.
- 3.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Mar 13, 2026.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$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.
In states where required, minimum additional coverages were added. 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 only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
