Fact CheckedNo one insurance company in Delaware has the best rates for everyone. While Travelers has the cheapest full coverage, on average, your rates will probably be different. That’s because what you pay for car insurance depends on personal details like your location, age, driving history and the amount of coverage you buy.
The cheapest car insurance in Delaware, at a glance
NerdWallet’s editorial team analyzed rates from 9 car insurance companies in Delaware to find which ones are cheapest for different drivers and coverage amounts.
Coverage type
Full coverage | Travelers, $160 per month
Minimum coverage | Travelers, $59 per month
Driver age
Young drivers | GEICO, $352 per month
Millennial drivers | Travelers, $166 per month
Gen X drivers | Travelers, $133 per month
Senior drivers | Travelers, $161 per month
Driving record
Speeding ticket | Travelers, $167 per month
At-fault accident | Donegal, $232 per month
DUI | Progressive, $274 per month
Credit-based insurance score
Good credit | Travelers, $160 per month
Poor credit | Travelers, $318 per month
These are median rates. For details on how our sample driver’s insurance coverage, driving record, age and credit score change throughout this analysis, check out our methodology.
- Why you can trust NerdWallet
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.
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Cheap car insurance in Delaware by coverage type
The amount of insurance you have affects your rates. In Delaware, the cheapest car insurance company for full coverage is Travelers at $160 per month on average, or $1,915 per year. That's less than Delaware's statewide average cost of $215 per month for full coverage.
Minimum coverage in Delaware is $95 per month on average, but you can likely get a cheaper policy. Travelers offers the cheapest minimum coverage at $59 per month, on average, for a 35-year-old driver with a clean driving record.
You’ll likely need full coverage if you lease your vehicle or you’re paying off an auto loan. Lenders usually require you to add comprehensive and collision insurance to a basic policy to cover your car from theft and damage from collisions, animals, weather, falling branches and most other dangers.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $1,915 | $160 |
| Donegal | $2,308 | $192 |
| State Farm | $2,554 | $213 |
| GEICO | $2,581 | $215 |
| Progressive | $2,794 | $233 |
After an accident that you cause, a policy with the liability insurance Delaware requires helps pay for the other driver’s injuries and property damage. A basic policy in Delaware also comes with personal injury protection, which helps pay for injuries to you and your passengers regardless of who's at fault.
While minimum coverage is all you need to drive legally, most people need more auto insurance. Minimum coverage wouldn’t pay for damage to your own car if you were at fault for an accident — you’d need to cover these repairs or a replacement yourself. The total cost of a serious accident when you factor in medical bills and property damage could add up to more than what a basic policy will cover, leaving you on the hook for potentially thousands of dollars.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $707 | $59 |
| State Farm | $897 | $75 |
| GEICO | $912 | $76 |
| Donegal | $987 | $82 |
| Progressive | $1,184 | $99 |
- Minimum car insurance requirements 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: Best car insurance in Delaware
Cheap car insurance in Delaware by age
Your age plays a major role in what you pay for car insurance. Rates are typically much higher for younger, newly licensed drivers in their teens and early 20s than they are for people in their 30s and older.
It’s important to compare car insurance quotes as you gain driving experience. This is the easiest way to make sure you’re not paying more than you have to for someone your age.
- Cheapest for young drivers
On average, GEICO has the cheapest full coverage car insurance for young drivers in Delaware. New drivers will have the hardest time finding affordable car insurance. But the good news for many teen and young drivers who still live with their parents is that car insurance is often much cheaper for a new driver who’s added to an existing policy.
Company Median annual rate Median monthly rate GEICO $4,225 $352 Progressive $6,042 $504 State Farm $6,358 $530 Donegal $7,433 $619 Nationwide $7,574 $631 Company Median annual rate Median monthly rate GEICO $1,592 $133 Progressive $2,522 $210 State Farm $2,611 $218 Allstate $2,843 $237 Travelers $2,868 $239 These are median rates for 20-year-old drivers who get their own standalone policy, according to our October 2025 analysis. A driver who’s added to an existing policy may have cheaper rates.
- Cheapest for millennial drivers
Travelers has the cheapest full coverage car insurance in Delaware for millennial drivers, on average. If you’re having a tough time finding cheap insurance in your 30s, usage-based insurance might be an option. This type of policy provides the same coverage as regular car insurance, but your rates depend on your driving habits, including how many miles you drive.
Company Median annual rate Median monthly rate Travelers $1,991 $166 Donegal $2,308 $192 GEICO $2,562 $214 State Farm $2,601 $217 Nationwide $2,911 $243 Company Median annual rate Median monthly rate Travelers $666 $55 GEICO $919 $77 State Farm $936 $78 Donegal $987 $82 Progressive $1,245 $104 These are median rates for 30-year-old drivers, according to our October 2025 analysis.
- Cheapest for Gen X drivers
On average, Travelers has the cheapest full coverage car insurance for Gen X drivers in Delaware. Insurance is often a lot cheaper for drivers in their 40s and 50s than it is for other drivers. Younger drivers and drivers who are in their 70s or older tend to get higher rates.
Company Median annual rate Median monthly rate Travelers $1,600 $133 Donegal $2,029 $169 Progressive $2,266 $189 State Farm $2,455 $205 GEICO $2,509 $209 Company Median annual rate Median monthly rate Travelers $585 $49 Donegal $856 $71 GEICO $882 $74 State Farm $930 $78 Progressive $957 $80 These are median rates for 50-year-old drivers, according to our October 2025 analysis.
- Cheapest for senior drivers
Travelers has the cheapest full coverage car insurance for senior drivers in Delaware, on average. You might find that car insurance gets a little more expensive once you’re in your 70s.
You might be able to reduce your premiums at this age by completing an approved driving course that’s tailored to senior-aged drivers. Organizations like AAA, AARP and the National Safety Council all offer these sorts of classes.
Company Median annual rate Median monthly rate Travelers $1,933 $161 Donegal $2,045 $170 Progressive $2,272 $189 State Farm $2,460 $205 GEICO $2,521 $210 Company Median annual rate Median monthly rate Travelers $723 $60 Donegal $837 $70 State Farm $917 $76 GEICO $946 $79 Progressive $971 $81 These are median rates for 70-year-old drivers, according to our October 2025 analysis.
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Cheap car insurance in Delaware by driving violation
Having a violation like a speeding ticket, at-fault accident or DUI on your driving record almost always causes your car insurance to get more expensive.
Some insurance companies are known for covering high-risk drivers. If you’re having trouble getting car insurance, you may want to check out an insurer that’s known for offering coverage to people with driving violations on their records.
- Cheapest after a speeding ticket
Travelers has the cheapest full coverage car insurance rates in Delaware for drivers with a speeding ticket, on average. A ticket can make your car insurance more expensive, but speeding typically causes a smaller rate hike than other driving violations.
Company Median annual rate Median monthly rate Travelers $1,999 $167 Donegal $2,500 $208 State Farm $3,017 $251 GEICO $3,258 $272 Nationwide $3,659 $305 Company Median annual rate Median monthly rate Travelers $725 $60 Donegal $1,079 $90 State Farm $1,126 $94 GEICO $1,133 $94 Progressive $1,500 $125 Rates refreshed October 2025.
- Cheapest after an at-fault accident
On average, Donegal is the cheapest insurer in Delaware for full coverage car insurance after an accident. You’ll almost always pay more for car insurance after an at-fault accident. If you avoid more accidents for a few years, it eventually gets easier to find cheaper coverage.
Company Median annual rate Median monthly rate Donegal $2,780 $232 Travelers $2,826 $236 Progressive $3,767 $314 State Farm $3,825 $319 GEICO $3,952 $329 Company Median annual rate Median monthly rate Travelers $1,025 $85 Donegal $1,223 $102 GEICO $1,332 $111 State Farm $1,489 $124 Progressive $1,534 $128 Rates refreshed October 2025.
- Cheapest after a DUI
In Delaware, Progressive offers the cheapest full coverage car insurance after a DUI, on average. A DUI tends to raise rates more than a speeding ticket or an accident. If you have a DUI and don’t compare quotes before you buy a policy, you risk paying hundreds of dollars more per year than you need to for car insurance.
Company Median annual rate Median monthly rate Progressive $3,287 $274 State Farm $3,895 $325 Donegal $4,142 $345 Travelers $5,297 $441 Nationwide $5,954 $496 Company Median annual rate Median monthly rate Progressive $1,359 $113 State Farm $1,518 $126 Donegal $1,836 $153 Travelers $1,974 $165 Allstate $2,204 $184 Rates refreshed October 2025.
If your driving record is making it impossible to find car insurance, you may want to turn to the Delaware Automobile Insurance Plan. This organization pairs drivers who have been refused coverage with insurers working in the state. The DAIP is what’s called a “program of last resort,” so you’ll need to check your rates with a few different insurers before trying to get coverage through the group.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheap car insurance in Delaware for poor credit
The cheapest car insurance company in Delaware if you have poor credit is Travelers, on average. Insurers in Delaware are allowed to consider your credit-based insurance score when setting your car insurance rates.
Your credit-based insurance score is different from the type of credit score that you’re probably more familiar with. You might be able to improve your credit-based insurance (and lower your car insurance rates) by regularly paying down your credit card and loan balances and taking other steps to build your credit.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $3,822 | $318 |
| GEICO | $3,854 | $321 |
| Nationwide | $4,240 | $353 |
| Progressive | $4,277 | $356 |
| Donegal | $4,323 | $360 |
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $1,284 | $107 |
| Travelers | $1,482 | $124 |
| Donegal | $1,647 | $137 |
| Progressive | $1,799 | $150 |
| Allstate | $2,217 | $185 |
Rates refreshed October 2025.
Cheap car insurance in Delaware for military families
USAA
- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
If you’re a current or former member of the military — or someone in your family is — or you’re employed by certain federal agencies, USAA might be your best bet for finding cheap car insurance in Delaware.
Since USAA isn’t available to the general public, we didn’t rank it with the other insurers in Delaware. That said, it’s still one of the cheapest insurers that we reviewed.
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 2022 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-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.
