Low-cost car insurance in Delaware

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Travelers provides the lowest car insurance rates in Delaware at $1,786 a year. The average premium is $263 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: $10,000 for bodily injury per person, $25,000 for bodily injury per accident, and $50,000 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.

Low-cost car insurance businesses in Delaware

When comparing insurers in Delaware, Travelers leads the pack with an annual average of $1,786. That’s $1,371 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.

How we choose low-cost car insurance companies in Delaware

195+

Carriers reviewed

65M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Delaware

In Delaware, drivers living in the 19930 ZIP code enjoy the lowest average annual premium at $2,697. Check the table below to see which other ZIP codes in the state have more affordable rates.

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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.

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Low-cost car insurance in Delaware by age

Teen drivers in Delaware pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $11,515 more than a 40-year-old driver in Delaware.

The table below shows low-cost car insurance rates for drivers of different ages.

Low-cost car insurance in Delaware by driver history

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Delaware

A single speeding ticket in Delaware can push your rates up by 47%, or about $1,490. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

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. Travelers is the lowest-cost option for these drivers, with an average annual premium of $2,732.

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.

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.

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 $579 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 car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Delaware, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest 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 violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 65,756,440 insurance quotes from 195 insurance companies across 34,595 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.

Read more about our research standards and methodology.

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.