Low-cost car insurance in Delaware

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Drivers in Delaware can find the cheapest average premium with GEICO, at $1,831 per year. By comparison, the statewide average monthly cost is $258. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Delaware requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $10,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Delaware, depending on your situation.

Key Takeaways

GEICO offers the lowest car insurance rates in Delaware, at $1,831 per year, which is about $1,266 the state average.
Nationwide has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,924.
The ZIP code 19950 has the low-cost car insurance rates in Delaware, at an average annual rate 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

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Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Delaware

Drivers in the 19950 ZIP code pay the lowest average annual premium in Delaware, at $2,549. See which other areas of the state offer more affordable rates below.

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

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

A single speeding ticket in Delaware can push your rates up by 38%, or about $1,174. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage 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

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Nationwide has the lowest average rate at $2,924 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Delaware with the most affordable rates for drivers with an 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

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

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

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Delaware, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

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.