Average cost of car insurance in Delaware for 2021

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How much is car insurance in Delaware? The average cost of car insurance in Delaware is $787 for minimum coverage and $1,775 for full. However, these numbers only give an idea of costs. There are many factors involved that influence how much you pay for coverage and there are even strategies you can do to lower it.

How much does car insurance cost in Delaware?

Besides your state’s minimum requirements, there are numerous variables that affect how much you pay for car insurance each month. Some of them are:

  • Car make and model
  • Age
  • Gender
  • Driving history
  • Insurance company
  • Type of coverage
  • Deductible
  • Marital status
  • Credit score
  • Zip code

Currently, average car insurance rates in Delaware are $787 for minimum coverage and $1,775 for full coverage. Of course, each state has its own average. If we take all 50 states into account, the average American pays $565 for minimum and $1,674 for full, which makes Delaware slightly more expensive than some other states.

Delaware car insurance rates by company

The table below illustrates how important it is to shop around for the cheapest car insurance. Big names often have the best rates, but that is not always the case. To find the best insurance companies in Delaware, you are going to have to do a little research.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $1,128 $2,614
California Casualty $819 $1,993
Geico $603 $1,354
Main Street America Group $692 $1,844
MetLife $818 $2,426
Nationwide $559 $1,184
Progressive $760 $1,820
Sentry $2,871 $4,675
State Farm $887 $1,804
Travelers $447 $1,072
USAA $355 $955

However, these rates will still vary by other characteristics, so you will still want to get several quotes to see what is the best value for you.

Delaware car insurance rates by city

The table below shows the average rates of the top 20 most populated cities in Delaware. As you can see, your ZIP code plays an important role when determining how much you pay. The cost difference in the third column compares the city’s average premium for full coverage with the state’s ($1,775).

City Average annual premium for full coverage % increase in average annual premium
Wilmington $2,137 20%
Newark $2,003 13%
New Castle $2,216 25%
Dover $1,664 -6%
Bear $2,087 18%
Middletown $1,764 -1%
Smyrna $1,761 -1%
Seaford $1,589 -11%
Millsboro $1,536 -13%
Milford $1,570 -12%
Lewes $1,490 -16%
Georgetown $1,587 -11%
Glasgow $2,023 14%
Claymont $2,009 13%
Hockessin $1,903 7%
Brookside $2,033 14%
Rehoboth Beach $1,490 -16%
Laurel $1,585 -11%
Townsend $1,994 12%
Milton $1,551 -13%

Delaware car insurance rates by age

Delaware car insurance rates are strongly impacted by your age. You will notice there is a big spike when you turn 18, but it goes down by 25— assuming you keep a clean driving record.

Age Average annual premium in Delaware
Age 16* $2,506
Age 18 $6,388
Age 20 $1,616
Age 25 $2,175
Age 30 $1,901
Age 40 $1,851
Age 50 $1,668
Age 60 $634
Age 70 $1,775

*16 year old calculated on parent’s policy disclosure

Delaware car insurance rates by driving record

A speeding ticket, accident, or DUI may cause your Delaware auto insurance rates to spike depending on your insurance provider’s policies. However, these rates reflect the average increase after one incident. If you become a repeat offender, you may pay even more.

Driving incident Average annual full coverage premium in Delaware % increase of average annual premium
Speeding ticket $2,088 17.63%
Accident $2,383 34.25%
DUI $3,302 86.02%

How to save on car insurance in Delaware

It’s possible to lower car insurance rates in Delaware with the right strategies. Here’s what we recommend:

  1. Shop around: As the table above showed, car insurance companies charge different amounts of money for the same coverage levels. If you’re looking to save money, you will likely be able to lower what you pay by simply shopping around and getting quotes from multiple providers. Most companies say they’re the cheapest provider, but a little bit of research often refutes this.
  2. Compare discounts: The best insurance companies offer their customers multiple ways to save on their premium. However, even though two companies may have the same discounts, one company will likely give you more savings than the other. To figure out just how much you’ll save, speak with an agent to get the bottom line.
  3. Increase your deductible: A high deductible equates to a lower monthly premium. Just make sure you choose a deductible option that gives you plenty of coverage after an accident. The highest deductible may not be suitable for your everyday needs and comfort level.
  4. Drive an older car: Older cars cost less to insure because they don’t cost as much to repair or replace. To truly capitalize on your situation, find a used car that has a great safety rating that you can also pair up with car-related discounts (such as anti-lock brakes and daytime lights).
  5. Increase your credit score: It’s legal for car insurance companies in Delaware to charge a higher premium to drivers who have a low credit score. This is because drivers with poor credit scores are statistically more likely to get into an accident. Improve your credit score and your premium should lower.

Frequently asked questions

How much is car insurance in Delaware per month?

The state average for minimum coverage (average $787 per year) is $65.58. The average annual cost of full coverage insurance (average $1,775 per year) is $147.92.

Is it easy to switch providers in Delaware?

Yes, switching providers isn’t difficult after you’ve determined which company you want to switch to. Once you’ve done that, you simply need to make a few phone calls.

How do I determine which companies are the best?

There are a few things you can look at. A good place to start is by reviewing each company’s J.D. Power score. J.D. Power measures customer satisfaction, and even breaks down how it performs in various parts of the U.S. Another good thing to read into is a company’s financial strength. For this, AM Best is a good resource.

Together, both J.D. Power and AM Best will paint a picture of how well a company is likely to treat you after a traumatic event. So if you’ve already found the cheapest providers but still can’t choose, these two resources should help you make your final decision.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Lauren Ward
Insurance Contributor
Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, and life insurance, as well other topics in the personal finance industry.