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Car insurance is essential in Delaware, but finding the right plan at the right price isn’t always easy. That’s where our Delaware car insurance calculator can help.

Use our auto insurance calculator to see your estimated annual and monthly costs in Delaware. It factors in your vehicle’s make and model so you can make informed coverage decisions.

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

  • 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 2026
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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 – as in many other states – a car’s model year can impact your insurance rates. For instance, the annual premium for a 2023 Honda Accord LX is around $4,348, while insuring the 2024 model costs $2,300.

Quick tip: Check your state’s minimum coverage rules

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

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

These limits are the bare minimum – many drivers choose higher coverage to better protect themselves financially after an accident. Not carrying 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

Insurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Delaware, full coverage car insurance for a 2023 Honda Accord LX costs $4,348 a year, while the higher-end Accord EX-L trim costs $3,783 annually – a difference of $565 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

Average car insurance costs in Delaware

The average annual premium for a full coverage car insurance policy in Delaware is $3,097 or $258 per month. However, your actual premium may differ depending on your chosen coverage level.

Below are estimated costs for various coverage levels in Delaware, but your actual rate will depend on personal factors such as your vehicle, driving history, and other details.

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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How much is car insurance in Delaware by city

Your location plays a significant role in determining car insurance rates in Delaware. Factors such as traffic congestion, accident frequency, weather conditions, and crime rates influence premiums. For instance, drivers in Wilmington pay $4,098 per year for coverage, while those in Greenwood pay $2,549 annually for the same coverage.

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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