Best Car Insurance in Delaware for 2024

From the Bombay Hook National Wildlife Refuge to the Brandywine Valley National Scenic Byway, Delaware has beautiful sites to explore by car. But before you hit the road, consider that car insurance costs $1,836 in the First State, compared to the national average of $1,582.

Key takeaways

• The best car insurance in Delaware is State Farm, which costs $1,275 a year for comprehensive coverage.
• Drivers with a clean driving record pay an average of $153 monthly in Delaware.
• Newark drivers pay the most, an annual average of $2,514.

Best car insurance companies in Delaware

The best car insurance company in Delaware by cost is State Farm, which costs a yearly average of $1,275 for full coverage. It also earned the highest customer satisfaction scores among all carriers on our list.

Allstate earned the second-highest customer satisfaction score but was the most expensive carrier. Full coverage insurance from Allstate costs an average of $2,564, hundreds more annually than State Farm.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
State Farm	843/1,000	$1,275/year	$701/year
Allstate	825/1,000	$2,564/year	$1,338/year
Travelers	822/1,000	$1,781/year	$836/year
Nationwide	820/1,000	$1,726/year	$1,094/year
GEICO	818/1,000	$1,550/year	$891/year
Progressive	814/1,000	$1,432/year	$975/year

State Farm: Most affordable coverage

State Farm’s full and minimum car insurance is the most affordable coverage in Delaware, and it earned the highest customer satisfaction score on our list. Customers pay an average of $1,275 yearly for full coverage and $701 annually for minimum coverage, well below the state averages. State Farm also offers standard and specialty coverages with multiple discount options.

Get a quote now | State Farm review

Allstate: Best for new cars

Allstate is the most expensive carrier in Delaware, costing a yearly average of $2,564 for full coverage and $1,338 for minimum coverage. Despite its higher cost, it may be a good option for people who have just purchased a new car since it offers specific policies, like new car replacement, repair provision coverage, and gap insurance.

Get a quote now | Allstate review

Travelers: Best for coverage options

Travelers insurance averages $1,781 per year for full coverage insurance in Delaware and $836 annually for minimum insurance, the second-most affordable in the state. Travelers also has extensive coverage options, including gap, rideshare, and named-non-owner insurance. However, while it has many options that aren’t available with other companies, Travelers earned only the third-highest customer service scores.

Get a quote now | Travelers review

Nationwide: Best for multi-driver discounts

Nationwide offers many coverage options and discounts in Delaware. Its multi-car insurance, the Family Plan, increases the overall discount for every car you insure and lowers the premiums of all named drivers. However, Nationwide’s coverage is more expensive, costing an average of $1,726 annually for full coverage and $1,094 for minimum coverage.

Get a quote now | Nationwide review

Progressive: Best for high-risk drivers

High-risk drivers in Delaware, including those with multiple speeding tickets, at-fault accidents, or DUIs, may find Progressive a good option. While high-risk drivers are likely to pay more for car insurance, Progressive may provide lower-cost coverage and file SR-22 forms.

Get a quote now | Progressive review

Delaware auto insurance requirements

Like in other states, Delaware requires that all drivers carry a minimum amount of insurance to register a vehicle. The minimum amounts in Delaware are:

• $25,000 in bodily liability for one person
• $50,000 in bodily liability for two or more people
• $10,000 in property damage liability
• $15,000 in Personal Injury Protection (PIP) for any one person
• $30,000 in PIP for all people injured in any one accident

How to choose a car insurance provider in Delaware

As you search for a new car insurance provider, consider the following:

• Compare quotes: Check pricing and coverage options from at least three companies and ensure the quotes match your current insurance type and limits. Request quotes online, or consider using an insurance broker to help you gather quotes from various companies. Just be aware of any fees or fine print before using their services.
• Verify a company’s financial health: Use a website like AM Best to verify that insurance companies are financially able to pay claims. It’s also wise to confirm that the company is licensed in Delaware by checking the Delaware Department of Insurance or the National Association of Insurance Commissioners (NAIC).
• Ask for reviews: Read websites like the Better Business Bureau to see what problems customers have had and how the insurance carrier solves them. Ask friends and family members for recommendations, especially if you are new to the area.

How much does car insurance cost in Delaware?

The average cost of car insurance in Delaware is $1,836 a year for full coverage insurance and $918 for the state’s minimum liability coverage. 

Delaware’s highest insurance costs are generally found in Newark, where residents pay an average of $2,514 annually for full coverage insurance. Residents of Milford tend to pay the least, an average of $1,846 a year.

Delaware car insurance rates by city

Newark residents pay significantly more than the state average of $1,836 for car insurance, likely due to the higher rate of property crime in the city. According to the analytics website NeighborhoodScout, Newark residents have a one in 28 chance of being victims of vehicle thefts and other property crimes. You’ll typically have to pay more for coverage because you are more likely to be in an accident or the victim of car theft or vandalism.

City	Avg. annual full-coverage premium
Newark	$2,514/year
Wilmington	$2,489/year
Middletown	$2,404/year
Seaford	$2,256/year
Dover	$2,200/year
Milford	$1,846/year

Methodology

FAQs about car insurance costs in Delaware