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If you drive in Delaware, you know how essential car insurance is – but finding the right coverage at a price you can afford isn’t always simple. That’s why we created the Delaware car insurance calculator.

It uses your vehicle’s make and model to estimate your average annual and monthly premiums in Delaware, giving you the insight you need to confidently choose coverage.

How to use our car insurance calculator to estimate your rates in Delaware

Our calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.

  • Step 1: Choose the model year of your car.
  • Step 2: Choose the make and model of your car.
  • Step 3: Choose your state.
  • Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
  • Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.
Data last refreshed in 2025
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Does your vehicle model affect car insurance rates in Delaware?

A vehicle’s make and model can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For example, full coverage for a Honda Accord LX costs $2,355 per year, while the average premium for a Honda CR-V in Delaware is $2,022 – a difference of $333.

Does your car’s model year affect insurance rates in Delaware?

In Delaware, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $4,348 per year, while the 2024 model costs $2,300 annually to insure.

Quick tip: Review your state’s minimum insurance requirements before choosing a policy

Each state sets its own minimum car insurance requirements, and Delaware is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:

  • Bodily injury liability per person and per accident
  • Property damage liability

These limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.

Driving without the required coverage in Delaware can lead to fines, license suspension and even vehicle impoundment.

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.

Our agents make it hassle-free to get the right quote.

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How your car’s trim affects insurance rates in Delaware

Your car’s trim level plays a big role in determining your insurance premium. Insurers consider the vehicle’s value, repair costs, safety features and theft risk when setting rates. Higher trims with upgraded technology or powerful engines often have higher premiums since they’re more expensive to repair or replace.

For example, a 2023 Honda Accord LX costs $4,348 per year to insure in Delaware, whereas the EX-L trim costs $3,783, a difference of $565 annually.

Trims that include luxury upgrades, like a premium sound system, often cost more to insure because they raise the vehicle’s overall value. Similarly, performance-focused trims with larger engines may increase premiums due to a greater risk of accidents or speeding.

How much drivers pay for car insurance in Delaware

In Delaware, the average cost of full-coverage car insurance is $3,097 per year or $258 per month. Your premium may be higher or lower depending on your chosen coverage limits.

Below, you’ll find estimated costs for different coverage levels in Delaware, but keep in mind that your final rate will vary based on your own personal factors like your vehicle and driving record.

Coverage levelAverage annual rateAverage monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$3,097$258
Liability Only – 50/100/50 BI/PD$1,498$125
State Minimum BI/PD$1,277$106
Non-Owners$762$63
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Car insurance costs in Delaware by city

Car insurance rates in Delaware vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Wilmington pay $4,098 annually for full coverage, while those in Greenwood pay closer to $2,549 per year.

Top 20 cities with cheapest car insurance rates in Delaware

CityAvg. Annual PremiumAvg. Monthly Premium
Greenwood$2,549$212
Delmar$2,567$214
Bridgeville$2,572$214
Lincoln$2,573$214
Bethel$2,575$215
Harrington$2,579$215
Laurel$2,580$215
Houston$2,581$215
Ellendale$2,583$215
Milford$2,583$215
Georgetown$2,590$216
Seaford$2,603$217
Viola$2,607$217
Felton$2,612$218
Dover Air Force Base$2,616$218
Camden$2,617$218
Magnolia$2,618$218
Frederica$2,631$219
Marydel$2,648$221
Hartly$2,678$223
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Top 20 cities with most expensive car insurance in rates Delaware

CityAvg. Annual PremiumAvg. Monthly Premium
Wilmington$4,098$342
St. Georges$3,834$320
Kirkwood$3,748$312
Montchanin$3,583$299
Rockland$3,574$298
Port Penn$3,547$296
Hockessin$3,442$287
Bear$3,432$286
Yorklyn$3,376$281
New Castle$3,368$281
Delaware City$3,289$274
Winterthur$3,250$271
Newark$3,184$265
Claymont$3,172$264
Nassau$3,103$259
Brookside$3,035$253
Little Creek$3,034$253
Woodside$3,028$252
Dagsboro$2,902$242
Milton$2,877$240
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Want to know what you’ll pay? Use the Delaware car insurance calculator

Use the Delaware car insurance calculator to get an estimate based on your location, vehicle make and model year. Enter your details to get a tailored estimate, but remember-final rates may differ, so it’s wise to compare quotes from different insurers to find the best deal.

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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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