Low-cost car insurance in Delaware

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GEICO provides the lowest car insurance rates in Delaware at $1,831 a year. The average premium is $258 per month in Delaware, though your actual rate may vary.

Car insurance requirements differ by state. In Delaware, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

GEICO has the lowest average car insurance premium in Delaware, costing $1,831 per year. That’s $1,266 the state average.
For drivers with an at-fault accident on record, Nationwide offers the most affordable coverage at around $2,924 annually.
The 19950 ZIP code stands out as the cheapest area for auto insurance in Delaware, with an average yearly cost of $2,549.

Low-cost car insurance companies in Delaware

GEICO offers the lowest car insurance rates in Delaware, with an average annual premium of $1,831 per year. It’s $1,266 less expensive than the average car insurance cost in Delaware. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

Company	Average annual rates
GEICO	$1,831
Nationwide	$1,936
Progressive	$2,629
State Farm	$3,008
American Family	$3,225
Donegal Insurance	$4,076
Allstate	$4,700
Sentry Insurance	$6,505
USAA*	$1,788

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Delaware

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Delaware

In Delaware, drivers living in the 19950 ZIP code enjoy the lowest average annual premium at $2,549. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
19950	Greenwood	$2,549
19940	Delmar	$2,567
19933	Bridgeville	$2,572
19960	Lincoln	$2,573
19931	Bethel	$2,575
19952	Harrington	$2,579
19956	Laurel	$2,580
19954	Houston	$2,581
19941	Ellendale	$2,583
19963	Milford	$2,583

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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 city

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Low-cost car insurance in Delaware by age

Teenagers pay significantly more for car insurance than adults in Delaware. For instance, a 16-year-old driver pays $9,481 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Delaware.

Age group	Full coverage annual premiums
Teens (16-19)	$10,410
Young Adults (20-24)	$5,600
Adults (25-60)	$3,045
Seniors (65-75)	$2,945

Low-cost car insurance in Delaware by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Delaware

One speeding ticket in Delaware can cause your insurance rates to jump by 38%, or roughly $1,174 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Nationwide	$1,936	$2,858	48%	$922
GEICO	$1,831	$3,029	65%	$1,198
State Farm	$3,008	$3,283	9%	$276
Progressive	$2,629	$3,483	32%	$854
American Family	$3,225	$3,514	9%	$289
Allstate	$4,700	$5,235	11%	$535
Sentry Insurance	$6,505	$10,135	56%	$3,630
USAA*	$1,788	$2,306	29%	$519

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Delaware

Nationwide offers the lowest car insurance rates to drivers after an at-fault accident at $2,924 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Nationwide	$1,936	$2,924	51%	$988
State Farm	$3,008	$3,559	18%	$552
Progressive	$2,629	$3,842	46%	$1,213
GEICO	$1,831	$4,165	128%	$2,334
American Family	$3,225	$4,322	34%	$1,097
Allstate	$4,700	$7,819	66%	$3,118
Sentry Insurance	$6,505	$10,955	68%	$4,450

Low-cost car insurance after a DUI in Delaware

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Delaware are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
State Farm	$3,008	$3,283	$276	9%
Progressive	$2,629	$3,551	$922	35%
Nationwide	$1,936	$3,766	$1,830	95%
GEICO	$1,831	$4,250	$2,419	132%
Allstate	$4,700	$6,273	$1,572	33%
Sentry Insurance	$6,505	$8,508	$2,004	31%
American Family	$3,225	$8,598	$5,373	167%
USAA*	$1,788	$3,257	$1,470	82%

*USAA is only available to military community members and their families.

Average cost of car insurance Delaware

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Delaware, the average cost of full coverage is $584 more compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Delaware, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Delaware.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Delaware. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

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.