Cheap Car Insurance in Delaware for 2024

Travelers offers the cheapest car insurance in Delaware, with an average annual rate of $1,788 for full coverage.
Updated
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Written by Ben Moore
Assistant Assigning Editor

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Auto insurance is an important purchase, but finding cheap car insurance in Delaware isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Delaware is Travelers at $1,145 per year on average, or $95 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Delaware. Meanwhile, the average cost of full coverage car insurance in Delaware is $1,995 per year, or about $166 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Delaware. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Delaware is $864 per year on average, but we found you can likely get a cheaper policy. For example, Travelers offers the cheapest rates in Delaware at $420 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in Delaware

NerdWallet’s editorial team analyzed car insurance rates from 12 auto insurers in Delaware and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Delaware. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Delaware where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Delaware for 20-year-olds

Drivers in Delaware with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Geico: $2,682 per year, or about $224 per month.
  2. California Casualty: $3,055 per year, or about $255 per month.
  3. Nationwide: $4,916 per year, or about $410 per month.
  4. Travelers: $5,473 per year, or about $456 per month.
  5. State Farm: $5,491 per year, or about $458 per month.

Cheapest minimum coverage car insurance in Delaware for 20-year-olds

Drivers in Delaware who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $1,025 per year, or about $85 per month.
  2. California Casualty: $1,030 per year, or about $86 per month.
  3. Travelers: $1,556 per year, or about $130 per month.
  4. Allstate: $2,051 per year, or about $171 per month.
  5. Progressive: $2,081 per year, or about $173 per month.

Cheapest auto insurance in Delaware for 20-year-olds with poor credit

Drivers with poor credit in Delaware should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $1,357 per year, or about $113 per month.
  2. Travelers: $1,591 per year, or about $133 per month.
  3. California Casualty: $1,695 per year, or about $141 per month.
  4. Allstate: $2,958 per year, or about $247 per month.
  5. Progressive: $3,133 per year, or about $261 per month.

Cheapest auto insurance in Delaware for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Delaware , here are the companies with the lowest average rates for minimum coverage:

  1. California Casualty: $1,208 per year, or about $101 per month.
  2. Geico: $1,262 per year, or about $105 per month.
  3. Travelers: $1,606 per year, or about $134 per month.
  4. Progressive: $2,380 per year, or about $198 per month.
  5. State Farm: $2,652 per year, or about $221 per month.

Cheapest auto insurance in Delaware for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Delaware, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $1,464 per year, or about $122 per month.
  2. Travelers: $1,556 per year, or about $130 per month.
  3. California Casualty: $1,599 per year, or about $133 per month.
  4. Progressive: $2,818 per year, or about $235 per month.
  5. Donegal: $2,871 per year, or about $239 per month.

Cheapest auto insurance in Delaware for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Geico: $2,269 per year, or about $189 per month.
  2. Progressive: $2,274 per year, or about $189 per month.
  3. Travelers: $2,406 per year, or about $201 per month.
  4. California Casualty: $2,655 per year, or about $221 per month.
  5. Allstate: $3,273 per year, or about $273 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Delaware for 30-year-olds

Drivers in Delaware who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Travelers: $1,163 per year, or about $97 per month.
  2. Geico: $1,527 per year, or about $127 per month.
  3. Main Street America: $1,707 per year, or about $142 per month.
  4. California Casualty: $1,820 per year, or about $152 per month.
  5. Nationwide: $1,940 per year, or about $162 per month.

Cheapest minimum coverage car insurance in Delaware for 30-year-olds

Drivers in Delaware who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Travelers: $401 per year, or about $33 per month.
  2. Geico: $583 per year, or about $49 per month.
  3. California Casualty: $608 per year, or about $51 per month.
  4. State Farm: $761 per year, or about $63 per month.
  5. Main Street America: $831 per year, or about $69 per month.

Cheapest auto insurance in Delaware for 30-year-olds with poor credit

Drivers with poor credit in Delaware should consider the following companies with the lowest average rates for full coverage:

  1. Travelers: $1,993 per year, or about $166 per month.
  2. Geico: $2,027 per year, or about $169 per month.
  3. California Casualty: $2,999 per year, or about $250 per month.
  4. Nationwide: $3,141 per year, or about $262 per month.
  5. Main Street America: $3,188 per year, or about $266 per month.

Cheapest auto insurance in Delaware for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Delaware, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $411 per year, or about $34 per month.
  2. California Casualty: $714 per year, or about $60 per month.
  3. Geico: $725 per year, or about $60 per month.
  4. Main Street America: $831 per year, or about $69 per month.
  5. State Farm: $924 per year, or about $77 per month.

Cheapest auto insurance in Delaware for 30-year-old drivers with one at-fault crash

For drivers in Delaware with a recent accident, here are the lowest average rate options for full coverage:

  1. Travelers: $1,160 per year, or about $97 per month.
  2. Geico: $2,252 per year, or about $188 per month.
  3. Main Street America: $2,388 per year, or about $199 per month.
  4. Donegal: $2,411 per year, or about $201 per month.
  5. California Casualty: $2,713 per year, or about $226 per month.

Cheapest auto insurance in Delaware for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Travelers: $2,019 per year, or about $168 per month.
  2. Progressive: $3,247 per year, or about $271 per month.
  3. State Farm: $3,323 per year, or about $277 per month.
  4. Donegal: $3,689 per year, or about $307 per month.
  5. Allstate: $4,010 per year, or about $334 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Delaware for 40-year-olds

Drivers in Delaware with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Travelers: $1,128 per year, or about $94 per month.
  2. Geico: $1,533 per year, or about $128 per month.
  3. Main Street America: $1,707 per year, or about $142 per month.
  4. California Casualty: $1,737 per year, or about $145 per month.
  5. Nationwide: $1,790 per year, or about $149 per month.

Cheapest minimum coverage car insurance in Delaware for 40-year-olds

Drivers in Delaware who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Travelers: $417 per year, or about $35 per month.
  2. Geico: $574 per year, or about $48 per month.
  3. California Casualty: $594 per year, or about $49 per month.
  4. State Farm: $766 per year, or about $64 per month.
  5. Main Street America: $831 per year, or about $69 per month.

Cheapest auto insurance in Delaware for 40-year-olds with poor credit

Drivers with poor credit in Delaware can check out the following insurers with the lowest average rates for full coverage:

  1. Travelers: $1,822 per year, or about $152 per month.
  2. Geico: $1,890 per year, or about $158 per month.
  3. California Casualty: $2,861 per year, or about $238 per month.
  4. Nationwide: $2,934 per year, or about $245 per month.
  5. Main Street America: $3,188 per year, or about $266 per month.

Cheapest auto insurance in Delaware for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Delaware, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $427 per year, or about $36 per month.
  2. California Casualty: $696 per year, or about $58 per month.
  3. Geico: $715 per year, or about $60 per month.
  4. Main Street America: $831 per year, or about $69 per month.
  5. State Farm: $928 per year, or about $77 per month.

Cheapest auto insurance in Delaware for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Delaware, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,126 per year, or about $94 per month.
  2. Geico: $2,120 per year, or about $177 per month.
  3. Main Street America: $2,388 per year, or about $199 per month.
  4. Donegal: $2,411 per year, or about $201 per month.
  5. California Casualty: $2,593 per year, or about $216 per month.

Cheapest auto insurance in Delaware for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Travelers: $1,893 per year, or about $158 per month.
  2. Progressive: $3,044 per year, or about $254 per month.
  3. State Farm: $3,242 per year, or about $270 per month.
  4. Donegal: $3,689 per year, or about $307 per month.
  5. Geico: $3,830 per year, or about $319 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Delaware for 50-year-olds

Drivers in Delaware with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Travelers: $967 per year, or about $81 per month.
  2. Main Street America: $1,394 per year, or about $116 per month.
  3. Geico: $1,430 per year, or about $119 per month.
  4. California Casualty: $1,577 per year, or about $131 per month.
  5. Nationwide: $1,689 per year, or about $141 per month.

Cheapest minimum coverage car insurance in Delaware for 50-year-olds

Drivers in Delaware who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Travelers: $356 per year, or about $30 per month.
  2. Geico: $510 per year, or about $43 per month.
  3. California Casualty: $550 per year, or about $46 per month.
  4. Main Street America: $666 per year, or about $56 per month.
  5. State Farm: $755 per year, or about $63 per month.

Cheapest auto insurance in Delaware for 50-year-olds with poor credit

Drivers with poor credit in Delaware can check with the following companies, which showed the lowest average rates for full coverage:

  1. Travelers: $1,735 per year, or about $145 per month.
  2. Geico: $2,140 per year, or about $178 per month.
  3. California Casualty: $2,596 per year, or about $216 per month.
  4. Main Street America: $2,603 per year, or about $217 per month.
  5. Nationwide: $2,785 per year, or about $232 per month.

Cheapest auto insurance in Delaware for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Delaware, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $389 per year, or about $32 per month.
  2. California Casualty: $644 per year, or about $54 per month.
  3. Main Street America: $666 per year, or about $56 per month.
  4. Geico: $735 per year, or about $61 per month.
  5. Donegal: $852 per year, or about $71 per month.

Cheapest auto insurance in Delaware for 50-year-old drivers with one at-fault crash

For drivers living in Delaware with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Travelers: $1,013 per year, or about $84 per month.
  2. Main Street America: $2,007 per year, or about $167 per month.
  3. Geico: $2,098 per year, or about $175 per month.
  4. Donegal: $2,149 per year, or about $179 per month.
  5. California Casualty: $2,351 per year, or about $196 per month.

Cheapest auto insurance in Delaware for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Travelers: $1,756 per year, or about $146 per month.
  2. Progressive: $2,748 per year, or about $229 per month.
  3. State Farm: $3,174 per year, or about $264 per month.
  4. Donegal: $3,323 per year, or about $277 per month.
  5. Geico: $3,617 per year, or about $301 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Delaware for 60-year-olds

Drivers in Delaware with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Travelers: $994 per year, or about $83 per month.
  2. Geico: $1,380 per year, or about $115 per month.
  3. Main Street America: $1,394 per year, or about $116 per month.
  4. California Casualty: $1,441 per year, or about $120 per month.
  5. Nationwide: $1,591 per year, or about $133 per month.

Cheapest minimum coverage car insurance in Delaware for 60-year-olds

Drivers in Delaware who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Travelers: $375 per year, or about $31 per month.
  2. California Casualty: $500 per year, or about $42 per month.
  3. Geico: $502 per year, or about $42 per month.
  4. Main Street America: $666 per year, or about $56 per month.
  5. State Farm: $699 per year, or about $58 per month.

Cheapest auto insurance in Delaware for 60-year-olds with poor credit

Drivers with poor credit in Delaware can look at the following companies with the lowest average rates for full coverage:

  1. Travelers: $1,759 per year, or about $147 per month.
  2. Geico: $2,063 per year, or about $172 per month.
  3. California Casualty: $2,371 per year, or about $198 per month.
  4. Main Street America: $2,603 per year, or about $217 per month.
  5. Nationwide: $2,613 per year, or about $218 per month.

Cheapest auto insurance in Delaware for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Delaware, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $411 per year, or about $34 per month.
  2. California Casualty: $587 per year, or about $49 per month.
  3. Main Street America: $666 per year, or about $56 per month.
  4. Geico: $683 per year, or about $57 per month.
  5. Donegal: $852 per year, or about $71 per month.

Cheapest auto insurance in Delaware for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Delaware, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,045 per year, or about $87 per month.
  2. Main Street America: $2,007 per year, or about $167 per month.
  3. California Casualty: $2,142 per year, or about $178 per month.
  4. Donegal: $2,149 per year, or about $179 per month.
  5. Geico: $2,231 per year, or about $186 per month.

Cheapest auto insurance in Delaware for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Travelers: $1,849 per year, or about $154 per month.
  2. Progressive: $2,639 per year, or about $220 per month.
  3. State Farm: $2,950 per year, or about $246 per month.
  4. Donegal: $3,323 per year, or about $277 per month.
  5. California Casualty: $3,463 per year, or about $289 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Delaware for 70-year-olds

Drivers in Delaware with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Travelers: $1,163 per year, or about $97 per month.
  2. Geico: $1,442 per year, or about $120 per month.
  3. Main Street America: $1,472 per year, or about $123 per month.
  4. California Casualty: $1,593 per year, or about $133 per month.
  5. Nationwide: $1,669 per year, or about $139 per month.

Cheapest minimum coverage car insurance in Delaware for 70-year-olds

Drivers in Delaware who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Travelers: $442 per year, or about $37 per month.
  2. Geico: $548 per year, or about $46 per month.
  3. California Casualty: $560 per year, or about $47 per month.
  4. Main Street America: $706 per year, or about $59 per month.
  5. Donegal: $744 per year, or about $62 per month.

Cheapest auto insurance in Delaware for 70-year-olds with poor credit

Drivers with poor credit in Delaware can look at the following companies with the lowest average rates for full coverage:

  1. Travelers: $2,025 per year, or about $169 per month.
  2. Geico: $2,157 per year, or about $180 per month.
  3. California Casualty: $2,622 per year, or about $219 per month.
  4. Main Street America: $2,749 per year, or about $229 per month.
  5. Nationwide: $2,766 per year, or about $230 per month.

Cheapest auto insurance in Delaware for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Delaware , here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $487 per year, or about $41 per month.
  2. California Casualty: $657 per year, or about $55 per month.
  3. Main Street America: $706 per year, or about $59 per month.
  4. Geico: $797 per year, or about $66 per month.
  5. Donegal: $835 per year, or about $70 per month.

Cheapest auto insurance in Delaware for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Delaware, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,258 per year, or about $105 per month.
  2. Main Street America: $2,102 per year, or about $175 per month.
  3. Donegal: $2,111 per year, or about $176 per month.
  4. California Casualty: $2,387 per year, or about $199 per month.
  5. Geico: $2,465 per year, or about $205 per month.

Cheapest auto insurance in Delaware for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Travelers: $2,254 per year, or about $188 per month.
  2. State Farm: $3,149 per year, or about $262 per month.
  3. Progressive: $3,256 per year, or about $271 per month.
  4. Donegal: $3,272 per year, or about $273 per month.
  5. California Casualty: $3,886 per year, or about $324 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 70 of the 70 driver profiles we examined.

Minimum required auto insurance in Delaware

Drivers in Delaware must carry liability insurance, which covers others’ injuries and property damage if you cause a crash. Drivers must also carry personal injury protection, which pays out to cover your and your passengers' injuries, no matter who is at fault in a crash.

The minimum required liability limits are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per crash.

  • $10,000 property damage liability per crash.

  • $15,000 personal injury protection per person.

  • $30,000 personal injury protection per crash.

Even though these limits will be enough to drive legally, they may not fully cover others’ damages if you’re liable for a crash. If the cost of injury treatment or vehicle repairs exceeds your coverage amount, the remainder would come out of your own savings and assets.

Check out NerdWallet’s guide to minimum car insurance requirements by state for help choosing liability limits and to learn about common optional coverages you might want, such as collision, comprehensive and uninsured motorist insurance.

Alternative car insurance in Delaware

If you have multiple crashes or violations on your record, a low credit rating or other circumstances that make it difficult to buy car insurance on the voluntary market, you can seek coverage through the Delaware Automobile Insurance Plan.

To view estimates from leading insurers and get the most competitive rates, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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