Low-cost car insurance in Delaware

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

In Delaware, GEICO offers the cheapest average premium at $1,831 per year. For comparison, the statewide average monthly cost is $258, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Delaware, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

GEICO has the cheapest average premium in Delaware, coming in at $1,831 per year – about $1,266 compared to the state average.
For drivers with an at-fault accident on their record, Nationwide offers the lowest rates, with annual costs averaging $2,924.
The 19950 ZIP code is the least expensive area in Delaware for car insurance, with an average yearly premium of $2,549.

Low-cost car insurance businesses in Delaware

When comparing insurers in Delaware, GEICO leads the pack with an annual average of $1,831. That’s $1,266 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Delaware.

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

You might find interesting

Explore related topics

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

See rates in your city

Wilmington

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

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

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

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Delaware

Just one speeding ticket in Delaware can raise your rates by 38% – $1,174 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

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

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Nationwide is the lowest-cost option for these drivers, with an average annual premium of $2,924.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

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

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Delaware offer the most affordable 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

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage 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 78,451,280 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.