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If you drive in Delaware, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Delaware car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.

Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Delaware, making it easier to compare options and choose the coverage that’s right for you.

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

Get a fast, personalized car insurance estimate with our calculator. Enter a few details, and you’ll see your potential rates in minutes – making it easy to compare options and choose coverage with confidence.

  • 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 estimat
  • 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?

Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.

For example, insuring a Honda Accord LX around $2,355 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $2,022, a difference of $333.

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

In Delaware, as in most states, your car’s model year can impact your insurance rate. For example, the average annual premium for a 2023 Honda Accord LX is $4,348, compared to $2,300 for the 2024 model.

Quick tip: Know your state’s minimum insurance requirements before you buy

Car insurance requirements vary by state. In Delaware, you must have at least the minimum liability coverage to drive legally. This typically includes:

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

These limits are just the minimum required by law-many drivers opt for higher coverage to ensure better financial protection after an accident. Driving without the required coverage in Delaware can result in fines, license suspension or 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

In Delaware, insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.

For instance, full coverage car insurance for a 2023 Honda Accord LX in Delaware costs $4,348 per year. On the other hand, the Honda Accord EX-L trim costs $3,783 annually to insure – a difference of $565.

Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding.

Car insurance estimate in Delaware

Drivers in Delaware pay an average of $3,097 per year or $258 per month for full-coverage car insurance. Your exact premium could differ based on the level of coverage you choose. The table below shows estimated rates for various coverage limits in Delaware. However, your actual rate may vary depending on your driving history, vehicle type and other personal factors.

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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