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 Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: November 6, 2025 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 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 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 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 DelawareIf 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 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: 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 MinimumNA* Liability coverage$1,237/year Full Coverage$2,557/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? 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 - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology 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 2021 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. Data last refreshed in 2025Powered 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 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 ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Delaware for a full coverage policy based on your age and gender.Average car insurance cost in Delaware for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Delaware pay an average of $8,254 per year for car insurance, while females of the same age pay $6,989.But by the time you turn 25, insurance premiums drop to $3,803 a year on average 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 driversOn average, an adult male driver in Delaware pays $3,072 a year for full coverage or $256 per month. Women pay $3,018 a year or $251 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.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 driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,729 per year, while women pay $2,710. But by age 70, average premiums rise to $2,860 for men and $2,825 annually for women. At 75, rates increase even further – $3,286 for male drivers and $3,243 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record 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 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 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: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.MethodologyInsure.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, 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:Young drivers aged 20-24Adult drivers aged 25-26Senior 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 Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: 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