Cheapest car insurance in Delaware

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Nationwide provides the cheapest car insurance in Delaware at $1,498 a year. Your rates may vary, but the average premium is $172 per month in Delaware, according to Insure.com’s rate analysis.

Car insurance requirements vary by state, and in Delaware, drivers must carry at least the minimum liability coverage: $25,000 for bodily injury protection per person, $50,000 of bodily injury coverage per accident, and $10,000 for property damage per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

Below, we’ve highlighted the most affordable insurance company in each category.

Cheapest overall: Nationwide

$1,498/year

National avg. rate

Cheapest for at-fault accident: Travelers

$1,657/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: Nationwide

$2,211/year

Avg. rate after speeding ticket

Cheap car insurance companies in Delaware

Nationwide offers the cheapest car insurance in Delaware, with an average price of $1,498 per year. It’s 27% less expensive than the average car insurance cost in Delaware. The rates 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 for car insurance from the cheapest car insurance companies.

How we choose the cheapest car insurance companies in Delaware

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Delaware

In Delaware, the 19961 ZIP code has the most affordable car insurance rates at $1,835. The table below shows the cheapest ZIP codes for car insurance rates.

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.

Cheapest car insurance in Delaware by age

In Delaware, insurance rates for young drivers are significantly higher than for adults, as they are more prone to accidents and filing claims. Insure.com’s analysis shows that a 16-year-old pays $7,877 more for car insurance than a 40-year-old driver.

The following table shows the cheapest car insurance premiums for drivers of different ages.

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Cheapest car insurance in Delaware by driver history

Insurers consider your driving history to be one of the most important factors in setting insurance rates. If you’re involved in an at-fault accident or convicted of a traffic violation, your premiums may increase. On the other hand, having a clean record makes you a low-risk driver and can lead to cheaper car insurance.

Cheapest car insurance after a speeding ticket in Delaware

Here are the top three companies offering affordable rates for car insurance after a speeding ticket.

• Nationwide: $2,211 per year
• Travelers: $2,339 per year
• State Farm: $2,351 per year

Insure.com data shows that a single speeding ticket in Delaware can result in a 38% or $783 increase in insurance rates.

Getting a speeding ticket involves paying a fine and potentially facing higher insurance premiums. For those looking to find the most affordable car insurance in Delaware, below are insurers that provide cheap rates after a speeding ticket.

Cheapest car insurance after an accident in Delaware

Below are the top three insurance companies that provide affordable car insurance rates after an accident.

• Travelers: $1,657 per year
• Nationwide: $2,263 per year
• State Farm: $2,548 per year

Travelers has the cheapest auto insurance rates for Delaware drivers after an at-fault accident at $1,657 a year.

If you’re responsible for an accident, expect your car insurance rates to increase. However, you can still shop around to find affordable car insurance rates.

Below, you’ll find a list of companies that offer affordable car insurance for drivers with an accident on their record.

Cheapest car insurance after a DUI conviction in Delaware

Here are the top three insurers that provide affordable car insurance rates after a DUI conviction.

• State Farm: $2,351 per year
• Travelers: $2,680 per year
• Progressive: $2,700 per year

A DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.

The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.

Average car insurance cost in Delaware

Full coverage insurance typically costs more than minimum liability insurance, but for most drivers, the additional expense is worthwhile. On average, full coverage car insurance in Delaware is $168 more than the national average.

Full coverage limits vary, but getting a policy with limits of 100/300/100 is recommended for added protection.

What is full coverage car insurance in Delaware?

Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.

In Delaware, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.

Final thoughts

While it’s common to look for ways to lower your car insurance premium, cutting corners on coverage could end up costing you much more in the long run.

Before purchasing an auto insurance policy, consider your specific needs to ensure you’re adequately covered. Since insurance rates can vary, it’s a good idea to compare quotes from multiple companies to find the right policy 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 violation 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. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

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

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.