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Car Insurance in Delaware: 2026 Rates & Guide

Delaware is a mid-range state for car insurance. The average driver pays $178/month ($2136/year). Here's how to find the best rate for your situation.

$178

Avg Monthly

$2136

Avg Annual

#6

Cost Rank (1=priciest)

$136

Cheapest Option/mo

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Cheapest Car Insurance Companies in Delaware (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Delaware — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestGEICO
$136/mo4.3Get Quote
2
State Farm
$148/mo4.5Get Quote
3
Travelers
$154/mo4.2Get Quote
4
Progressive
$162/mo4.1Get Quote
5
Allstate
$178/mo3.9Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Delaware Car Insurance Requirements

Minimum Coverage: 25/50/10

Delaware is an at-fault state. The driver who causes an accident is financially responsible.

Delaware Insurance Facts

Delaware's small size and high population density create frequent traffic and above-average accident rates.
The I-95 corridor through Wilmington generates heavy congestion and contributes to elevated premiums.
Delaware requires Personal Injury Protection (PIP), adding to the cost of minimum coverage.

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How to Get Cheaper Car Insurance in Delaware

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Delaware — FAQs

What is the average cost of car insurance in Delaware?
The average car insurance cost in Delaware is $178 per month ($2136 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Delaware?
Delaware requires minimum liability coverage of 25/50/10 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Delaware?
Based on our research, GEICO offers the lowest average rate in Delaware at around $136/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Delaware a no-fault car insurance state?
No, Delaware is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Delaware?
The most effective ways to lower your car insurance in Delaware include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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