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25 Years of insurance experience
78.5M Quotes reviewed
170 Insurance providers evaluated
34.5K ZIP codes analyzed

A full coverage car insurance policy costs around $3,097 a year or $258 per month for Delaware drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $1,277 a year.

Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium.

Average car insurance cost in Delaware

If you’re a resident of Delaware, full coverage car insurance typically costs about $258 per month, adding up to $3,097 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $106, or $1,277 annually.

The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.

Cheapest car insurance companies in Delaware

If you’re looking for affordable insurance, GEICO tops the list of the cheapest car insurance companies. Its average annual cost is $1,831 per year or $153 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

Nationwide also provides affordable insurance rates in Delaware for a full coverage policy at an average annual insurance cost of $1,936 or $161 monthly.

While these companies offer some of the lowest average premiums in Delaware, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs.

Affordable car insurance providers in Delaware

Graph
Table
Company nameAverage per month costAverage annual cost
GEICO$153$1,831
Nationwide$161$1,936
Progressive$219$2,629
State Farm$251$3,008
American Family$269$3,225
Donegal Insurance$340$4,076
Allstate$392$4,700
Sentry Insurance$542$6,505
USAA*$149$1,788
*USAA is only available to military community members and their families.
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Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Average cost of car insurance by coverage levels in Delaware

The cost of your car insurance also depends on the coverage levels you choose.

If you opt for just the minimum coverage required by your state, you’ll pay $106 per month, or $1,277 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.

For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.

In Delaware, the average cost for full coverage is $258 per month, or $3,097 per year

While it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.

Coverage limitsAverage annual cost
State minimum liability-only$1,277
Liability only$1,498
Full coverage$3,097
Non-owner state minimum liability$762
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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Delaware by city

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Average car insurance cost in Delaware by city

Because car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Wilmington, Newark or Middletown, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.

On the other hand, drivers in cities like Milford or Georgetown pay significantly low insurance rates, on average between $2,583 and $2,590 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.

CityAverage annual cost
Milford$2,583
Georgetown$2,590
Seaford$2,603
Smyrna$2,718
Dover$2,772
Millsboro$2,779
Middletown$2,831
Newark$3,184
Wilmington$4,098
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Average car insurance cost in Delaware by age

Age is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.

Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.

Here’s a breakdown of what you might pay for full coverage in Delaware, based on age and gender.

Average car insurance cost in Delaware for young drivers

If you’re a younger driver, expect to pay higher premiums on your car insurance.

Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.

For instance, a 20-year-old male driver in Delaware pays an average of $8,254 annually for car insurance, compared to $6,989 for a female driver of the same age.

By age 25, car insurance premiums typically decrease to $3,803 per year for male drivers and $3,270 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
20$8,254$6,989
21$6,044$5,146
22$5,699$4,964
23$5,031$4,611
24$4,799$4,411
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Average car insurance cost in Delaware for adult drivers

An adult driver aged 25-60 in Delaware pays $3,072 annually for full coverage, or around $256 each month. Women in the same age group pay $3,018 per year or $251 per month.

Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
25$3,803$3,270
30$3,081$3,117
35$3,133$3,150
40$3,094$3,099
45$3,093$3,068
50$2,841$2,864
55$2,780$2,823
60$2,759$2,774
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Average car insurance cost in Delaware for senior drivers

Car insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,729 annually, while women pay $2,710.

By 70, average rates go up to $2,860 for men and $2,825 for women. At age 75, costs increase further, reaching $3,286 for men and $3,243 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.

However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$2,729$2,710
70$2,860$2,825
75$3,286$3,243
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Minimum car insurance requirements in Delaware

Whether you’re buying your first insurance policy or just moved to Delaware, it’s important to understand the state’s car insurance requirements.

To stay on the right side of the law, drivers in Delaware must carry at least the following minimum liability coverage:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability: $10,000

Cheapest cars to insure in Delaware

Insurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.

Subaru Forester has the lowest premium, at an average of $1,920 a year, closely followed by Honda HR-V, with an average annual car insurance cost of $1,964.

The table below shows the cheapest cars to insure and their average annual rates.

Make ModelAverage annual premium
Subaru Forester$1,920
Honda HR-V$1,964
Hyundai Venue$1,967
Subaru Outback$1,983
Ford Maverick$1,991
Volkswagen Taos$2,004
Volkswagen Tiguan$2,008
Chrysler Voyager$2,011
Honda CR-V$2,022
Subaru Crosstrek$2,023
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Most expensive cars to insure in Delaware

Maserati Quattroporte is one of the most expensive vehicles to insure in Delaware, with an average annual cost of $6,261.

Below is a list of the costliest vehicles to insure in Delaware and their average premiums.

Make ModelAverage annual premium
Maserati Quattroporte$6,261
Audi e-tron GT$6,014
Tesla Model S$5,646
Nissan GT-R$5,611
Audi RS7$5,542
Audi RS6$5,529
Maserati Ghibli$5,457
Porsche Taycan Cross Turismo$5,377
Porsche Taycan$5,366
BMW M8 Gran Coupe$5,185
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Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.

Methodology

Insure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, including

  • Full coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.
  • State minimum limits
  • Liability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.

We also collected average car insurance rates for drivers of different age groups:

  • Young drivers aged 20-24
  • Adult drivers aged 25-60
  • Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$2,215/Year
Alabama$2,107/Year
Arkansas$2,723/Year
Arizona$2,333/Year
California$3,010/Year
Colorado$3,222/Year
Connecticut$2,726/Year
Florida$3,852/Year
Georgia$2,739/Year
Hawaii$1,721/Year
Iowa$2,228/Year
Idaho$1,791/Year
Illinois$1,901/Year
Indiana$1,856/Year
Kansas$2,410/Year
Kentucky$2,976/Year
Louisiana$4,180/Year
Massachusetts$2,430/Year
Maryland$2,273/Year
Maine$1,701/Year
Michigan$3,146/Year
Minnesota$2,561/Year
Missouri$2,410/Year
Mississippi$2,455/Year
Montana$2,541/Year
North Carolina$2,587/Year
North Dakota$2,079/Year
Nebraska$2,387/Year
New Hampshire$1,650/Year
New Jersey$2,736/Year
New Mexico$2,486/Year
Nevada$3,284/Year
New York$2,898/Year
Ohio$1,739/Year
Oklahoma$2,705/Year
Oregon$1,927/Year
Pennsylvania$2,428/Year
Rhode Island$2,706/Year
South Carolina$2,367/Year
South Dakota$2,635/Year
Tennessee$2,214/Year
Texas$2,631/Year
Utah$2,250/Year
Virginia$1,837/Year
Vermont$1,504/Year
Washington$2,175/Year
Wisconsin$2,026/Year
West Virginia$2,557/Year
Wyoming$1,984/Year
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Shivani Gite
Contributing Writer

 
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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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