Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Delaware Average car insurance cost in Delaware A full-coverage car insurance policy in Delaware costs an average of $3,097 a year or $258 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 20, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Delaware, you can expect to pay an average of around $258 per month for full coverage car insurance, or $3,097 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $106 monthly or $1,277 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $3,097 Average per month cost $258 Average cost for state minimum coverage $1,498 / Year Cheapest car insurance company GEICO$1,831 / Year Average cost for young drivers $5,600 / Year Average cost for Senior drivers $2,945 / Year 012345 1 of 6 Average car insurance cost in Delaware If you live in Delaware can expect to pay an average of $258 per month for full coverage car insurance – that’s $3,097 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $106 monthly or $1,277 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in DelawareGEICO has the cheapest rates, at an average annual cost of $1,831 or $153 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Nationwide also stands out for its affordable premiums, with an average cost of $161 per month or $1,936 annually.While these insurance companies have some of the lowest average rates in Delaware, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Delaware Graph Table Company nameAverage per month costAverage annual costGEICO$153$1,831Nationwide$161$1,936Progressive$219$2,629State Farm$251$3,008American Family$269$3,225Donegal Insurance$340$4,076Allstate$392$4,700Sentry Insurance$542$6,505USAA*$149$1,788*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Delaware car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Delaware Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Delaware Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$1,191/year Liability coverage$1,682/year Full Coverage$3,571/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in DelawareThe 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 yearWhile 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 costState minimum liability-only$1,277Liability only$1,498Full coverage$3,097Non-owner state minimum liability$762Powered by: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 citySee rates in your cityWilmington Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Delaware by cityCar insurance rates can vary widely depending on where you live, even within Delaware.Cities like Wilmington, Newark, or Middletown tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Milford or Georgetown, with average annual premiums between $2,583 and $2,590.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costMilford$2,583Georgetown$2,590Seaford$2,603Smyrna$2,718Dover$2,772Millsboro$2,779Middletown$2,831Newark$3,184Wilmington$4,098Powered by:Average car insurance cost in Delaware by ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Delaware for full coverage, depending on your age and gender.Average car insurance cost in Delaware for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Delaware, 20-year-old male drivers pay an average of $8,254 per year for car insurance, while their female counterparts pay $6,989 for the same coverage.However, by age 25, average car insurance costs drop to about $3,803 per year for male drivers and $3,270 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$8,254$6,98921$6,044$5,14622$5,699$4,96423$5,031$4,61124$4,799$4,411Powered by:Average car insurance cost in Delaware for adult driversAn adult driver aged 25-60 in Delaware pays $3,072 per year for full coverage, or $256 each month. Female drivers of the same age pay $3,018 annually or $251 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,803$3,27030$3,081$3,11735$3,133$3,15040$3,094$3,09945$3,093$3,06850$2,841$2,86455$2,780$2,82360$2,759$2,774Powered by:Average car insurance cost in Delaware for senior driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,729 per year, and women pay $2,710.By age 70, those averages increase to $2,860 for men and $2,825 for women. At 75, premiums rise again, reaching $3,286 for male drivers and $3,243 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,729$2,71070$2,860$2,82575$3,286$3,243Powered by:Minimum car insurance requirements in DelawareWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Delaware can help you avoid fines and make smarter choices about your coverage.Drivers in Delaware must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $10,000Cheapest cars to insure in DelawareThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Subaru Forester is one of the cheapest cars to insure in Delaware, with an average premium of $1,920 per year. Honda HR-V has an average annual cost of $1,964.The table below shows the cars with the lowest average insurance rates.Make ModelAverage annual premiumSubaru Forester$1,920Honda HR-V$1,964Hyundai Venue$1,967Subaru Outback$1,983Ford Maverick$1,991Volkswagen Taos$2,004Volkswagen Tiguan$2,008Chrysler Voyager$2,011Honda CR-V$2,022Subaru Crosstrek$2,023Powered by:Most expensive cars to insure in DelawareMaserati Quattroporte tops the list as the most expensive car to insure in Delaware, at an average annual cost of $6,261. Below is a list of the most expensive vehicles to insure in Delaware and their average annual premiums.Make ModelAverage annual premiumMaserati Quattroporte$6,261Audi e-tron GT$6,014Tesla Model S$5,646Nissan GT-R$5,611Audi RS7$5,542Audi RS6$5,529Maserati Ghibli$5,457Porsche Taycan Cross Turismo$5,377Porsche Taycan$5,366BMW M8 Gran Coupe$5,185Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull 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 limitsLiability-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:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in DelawareCheapest car insurance companies in DelawareAverage cost of car insurance by coverage levels in DelawareAverage car insurance cost in Delaware by cityAverage car insurance cost in Delaware by ageMinimum car insurance requirements in DelawareCheapest cars to insure in DelawareMost expensive cars to insure in DelawareMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330