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Michael Evans is a former contributor to Bankrate and has worked in numerous industries, including education, finance, government, insurance and journalism. He began writing professionally while working for the world’s first online mortgage brokerage in San Francisco, California. His writings have appeared in print and online publications, including Fox Business, International Living, Motley Fool and Yahoo Finance. He and his family divide their time between residences in Northern California and Colombia. When Michael is not writing, he enjoys working in his photography business and playing with his cat, Cyndi Lou. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Oct 21, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it! On This Page
Delaware law requires all motorists to carry minimum levels of car insurance. Delaware drivers pay an average annual premium of $1,963 for a full coverage auto insurance policy, but Bankrate has surveyed the market and found numerous insurers, including USAA, Geico and Travelers, that offer lower-than-average rates. These carriers also have strong customer support ratings and the financial strength to back their claims obligations. Key takeaways Delaware law requires all drivers to carry minimum levels of auto insurance. Average Delaware car insurance premiums exceed the national average. Many Delaware insurance companies offer discounts to help policyholders reduce their premiums. See More Compare rates and save on auto insurance today! Get quotes Close X How Bankrate chose the best car insurance companies in Delaware
To determine the best car insurance companies in Delaware, Bankrate assigned each company a Bankrate Score, based on a 5-point scale, analyzing each provider's customer service history and its financial ability to meet claims obligations. We also evaluated each carrier's availability and affordability and compared how their rates stack up to the overall market.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full 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 bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Best car insurance companies in Delaware
After reviewing the largest by market share in Delaware, we determined that USAA, Geico and Travelers are among the top carriers available. Our analysis of these companies included a review of premiums, coverages and discounts. According to data provided by Quadrant Information Services, Delaware drivers pay an annual average of $1,963 for full coverage auto insurance and $747 for minimum coverage. We also chose the best auto insurance in Delaware based on each company's and AM Best financial strength ratings. We combined all these factors into a Bankrate Score for each company. The scores are on a 5.0 scale, and companies with higher scores are more highly rated within the individual rating categories. Based on our research, here are the top choices: Insurance company* J.D. Power score (Mid-Atlantic)* Annual full coverage premium* Annual min coverage premium* Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Mid-Atlantic)* 881 /1,000 Annual full coverage premium* $1,090 Annual min coverage premium* $341 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Mid-Atlantic)* 834 /1,000 Annual full coverage premium* $1,387 Annual min coverage premium* $553 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Mid-Atlantic)* 860 /1,000 Annual full coverage premium* $1,461 Annual min coverage premium* $379 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Mid-Atlantic)* 829 /1,000 Annual full coverage premium* $1,529 Annual min coverage premium* $854 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Mid-Atlantic)* Not rated Annual full coverage premium* $2,305 Annual min coverage premium* $910 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. *USAA not officially ranked by J.D. Power due to eligibility restrictions This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. USAA
Although it does not qualify for official ranking due to eligibility restrictions, USAA received the highest number of customer satisfaction points from J.D. Power in 2022, with a score of 881. USAA has one of the lowest average annual full coverage premiums on our list, and the carrier also sells other insurance and investment products. USAA only to eligible active-duty military members, veterans and their immediate families. If you do qualify for coverage, you might find that USAA offers a competitive premium as well as a few optional coverages to help you build a policy that fits your needs. Learn more: Geico
Geico scored slightly above the industry average for J.D. Power for claims service in 2022, but the insurer offers a that may make it an attractive option for drivers in search of affordability. You may be able to lower your premium with Geico's discounts for federal employees, military members, safe drivers and good students. The company also offers , including home, renters, business and pet coverage, so you may be able to meet all your insurance needs with a single insurer. Learn more: Travelers
In its 2022 U.S. Auto Insurance Study, J.D. Power awarded Travelers the third-highest customer satisfaction score, 860, for the Mid-Atlantic region. Among our top picks, Travelers offers one of the lowest average premiums for minimum coverage. The provider also offers a variety of that may help you tailor your policy to your needs, including accident forgiveness, ridesharing coverage and gap insurance. The company also offers to help you save. Learn more: Nationwide
Nationwide sells a full range of standard coverages, plus optional . The provider has a generous , which may allow you to combine auto insurance with home, boat, life, motorcycle and renters policies. You might also save money by enrolling in one of two telematics programs, including SmartRide, which offers a discount up to 10 percent when enrolling, plus up to a 40 percent savings if you maintain good driving habits. However, Nationwide's rates are one of the highest on our list, and the carrier ranked below the regional average in J.D. Power's 2022 Auto Insurance Study. Learn more: American Family
Along with , American Family also offers optional accidental death and dismemberment, emergency road service, gap and rental reimbursement coverages. The provider extends , and if you remain a customer, you might earn a loyalty discount. Unfortunately, American Family was not ranked in J.D. Power's 2022 U.S. Auto Insurance Study for the Mid-Atlantic region, but the carrier did rank seventh in J.D. Power's . Learn more: Average car insurance cost in Delaware
Car insurance in Delaware is generally more expensive than the national average. Delaware drivers pay, on average, $747 per year for the minimum required levels of insurance and $1,963 for full coverage. By comparison, the national average is $545 for minimum coverage and $1,771 for full coverage. However, are highly personalized and may vary by a number of factors, including your location, age, driving history, vehicle type and the coverages you choose. may be higher than the national average in part due to the rate of fatal accidents. In 2021, 90 people died in , but in 2022, fatalities topped 100 by the end of September. Delaware is a small state but has over on its roads. The high density of drivers could mean that accidents are more likely, which may also contribute to higher car insurance premiums. Drivers in some Mid-Atlantic states pay slightly higher auto insurance rates than Delaware motorists, while others pay slightly lower premiums. For example, pay an annual average of $2,002 for full coverage, while pay an average of $1,891 per year. Average annual premium for minimum coverage in Delaware Average annual premium for full coverage in Delaware $747 $1,963
Delaware city Average annual premium for full coverage Average annual premium for minimum coverage Bear $2,107 $853 Dover $1,765 $673 MIddletown $1,887 $716 Newark $2,092 $825 Wilmington $2,282 $886 How to find the best car insurance in Delaware
Insurance is a personalized purchase, meaning that premiums and coverages will vary based on your individual circumstances. However, there are a few steps you could start with to find the best auto insurance in Delaware for you. Consider state minimum insurance requirements in Delaware
To , you must purchase the state's required minimum limits of bodily injury liability and property damage liability coverage, as well as personal injury protection (PIP). These can be found on the state's . Understanding the minimum coverages in your state may help you determine if you need higher limits or additional coverages, such as comprehensive or collision. Consider lender requirements
If you have a loan or lease on your vehicle, a banking institution has a financial stake in your vehicle. Because of this, lenders and leasing companies typically require that you carry a policy, which provides coverage for damage to your vehicle in case of a covered incident. In this situation, you may also want to consider . This optional coverage is designed to cover the difference between your vehicle's total loss value and the balance on your loan, so that you may not have to pay the overage out of pocket. Consider your individual needs
There are personal factors that could impact how much you pay for car insurance. Adding a to your policy, for example, may result in a large premium increase. Driving incidents such as could mean you are viewed as a by your insurer and might increase your premium. Looking for companies that fit your individual needs might help you mitigate the premium impact of these life events. Car insurance discounts in Delaware
Although auto insurance is generally more expensive in Delaware than it is nationally, you may be able to . Delaware auto insurance companies have discount programs that can sometimes offer substantial savings for qualified policyholders. Some common auto insurance discounts in Delaware are: Young driver discounts: Young drivers can often by taking a driver's education course. Many providers also offer good student discounts for teens and young adults who earn good grades. Some insurers also offer a discount to students who leave their vehicle at home when they go off to boarding school or college. Safe driver discounts: Safe drivers may save in a few ways. Keeping a clean driving record may help you avoid surcharges associated with accidents and tickets. You might also earn a discount if you go for a length of time without filing a claim, or if you take advantage of a . Other discounts: Many insurers offer multi-policy discounts. For example, an insurer might extend a discount to policyholders who . Some providers also offer discounts for vehicles equipped with safety and security equipment, like anti-lock brakes and anti-theft systems. A carrier may also extend discounts for making payments through electronic funds transfer or for paying your premium in full. Every insurance company has its own set of discounts. Researching discounts on a company's website or talking to one of its agents may help you to find ways to save. Frequently asked questions
Based on data provided to Bankrate by Quadrant Information Services, Delaware drivers pay an average annual premium of $1,963 for full coverage and $747 for minimum coverage. However, may not reflect the price you will pay for auto insurance. Insurance companies may base rates on , including your age, annual mileage, credit history, driving record, location, vehicle type and the types and levels of coverages you choose.
Based on our research, the include USAA, Geico and Travelers. Although these companies offer low average rates, your premium may vary based on your individual rating factors. This is why getting quotes from several companies may be one of the best things you can do when you shop for car insurance. With multiple quotes, you can typically compare premiums, coverages, discounts and third-party ratings to find the provider that is right for you.
Yes. Delaware law requires all drivers to carry at least minimum insurance requirements set by the state's Division of Motor Vehicles. You can research these yourself, but insurance agents based in the state will be very familiar with these minimums and will not sell you a policy that does not meet state legal requirements. If you finance or lease a car, the bank or leasing company will likely require you to purchase and .
When shopping for Delaware car insurance, you will need to have the name, date of birth and driver's license number of each driver in your household. You will also need the vehicle identification number (VIN) of each vehicle you want to insure. If you have current auto insurance, this information should be listed on the declarations page of your policy. Written by Michael Evans Former Personal Finance Contributor Michael Evans is a former contributor to Bankrate and has worked in numerous industries, including education, finance, government, insurance and journalism. He began writing professionally while working for the world’s first online mortgage brokerage in San Francisco, California. His writings have appeared in print and online publications, including Fox Business, International Living, Motley Fool and Yahoo Finance. He and his family divide their time between residences in Northern California and Colombia. When Michael is not writing, he enjoys working in his photography business and playing with his cat, Cyndi Lou. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.