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Best car insurance in Delaware for 2023

Updated Apr 11, 2023
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Best car insurance companies in Delaware

Bankrate has proprietary access to average premium data from analytics company Quadrant Information Services. Our research shows that the average annual cost for full coverage in Delaware is $2,103, with minimum coverage averaging $801 per year.

We know shoppers looking for the best car insurance company aren’t only concerned about price. To provide a complete view of a carrier, we also analyzed other metrics we (as insurance agents) consider important for policyholders, including customer satisfaction scores issued in the J.D. Power 2022 U.S. Auto Insurance Study and financial strength ratings from AM Best. Based on our assessment, you might find the best auto insurance in Delaware by shopping with Geico, USAA, State Farm, Nationwide and Allstate.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
834
/1,000
Average monthly full coverage premium
$120
Average annual full coverage premium
$1,444
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
881
/1,000
Average monthly full coverage premium
$103
Average annual full coverage premium
$1,235
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
851
/1,000
Average monthly full coverage premium
$142
Average annual full coverage premium
$1,705
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
829
/1,000
Average monthly full coverage premium
$138
Average annual full coverage premium
$1,657
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
832
/1,000
Average monthly full coverage premium
$279
Average annual full coverage premium
$3,344
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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 states where it is licensed. 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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
834
/1,000
Average monthly minimum coverage premium
$47
Average annual minimum coverage premium
$565
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
881
/1,000
Average monthly minimum coverage premium
$30
Average annual minimum coverage premium
$363
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
851
/1,000
Average monthly minimum coverage premium
$59
Average annual minimum coverage premium
$705
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
829
/1,000
Average monthly minimum coverage premium
$84
Average annual minimum coverage premium
$1,006
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
832
/1,000
Average monthly minimum coverage premium
$89
Average annual minimum coverage premium
$1,067
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
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 states where it is licensed. 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 is not officially ranked by J.D. Power due to eligibility restrictions

Advertising Disclosure
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.

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Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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.

Best for drivers on a budget

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 834/1,000 AM Best: A++

Average annual premium

$ 1,444 for full coverage
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Answer a few questions to see personalized rates from top carriers.

Why Geico made our list: Geico offers some of the cheapest car insurance in Delaware and has an extensive list of discounts that could save you even more. Federal government employees might earn the company’s Eagle discount, and the company also offers a discount to eligible military members. Drivers over a certain age may earn a discount for completing a defensive driver course. Policyholders could save simply by being a member of a qualifying alumni association or professional group. These are only some of the savings opportunities that helped Geico tie for the best auto insurance company overall in the 2023 Bankrate Awards

Who Geico may be good for: Geico may be a great company for those looking for a fairly basic auto policy at an affordable rate.  

Read full Geico Insurance review

Best for military-focused benefits

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 881/1,000 AM Best: A++

Average annual premium

$ 1,235 for full coverage
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Answer a few questions to see personalized rates from top carriers.

Why USAA made our list: USAA is only available to active-duty military, veterans and their eligible family members. However, Delewareans who qualify can enjoy unique military-focused benefits that other companies might not offer. For instance, you could save up to 15 percent if you garage your car on base (which could be especially helpful for those living on Dover Air Force Base). Policyholders can also save on non-insurance-related products and services (such as rental cars, moving trucks and home security systems) through the USAA Perks program. 

Who USAA may be good for: Drivers in Delaware may want to request a quote from USAA if they’re looking for low average rates, military-focused benefits and excellent customer service (as long as they qualify for membership).  

Read full USAA Insurance review

Best for top-notch customer service

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 851/1,000 AM Best: A++

Average annual premium

$ 1,705 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why State Farm made our list: Wherever you are in Delaware, you will likely find a State Farm agent nearby. Drivers looking for a personalized insurance experience may find State Farm’s agency model appealing, and since your agent lives in or near your community, they might be more in tune with the needs of your local market. As evidenced by the J.D. Power scores, many State Farm policyholders agree that the company offers top-notch customer service. State Farm also offers competitive rates for a wide swath of drivers, which is one of the reasons why it won best auto insurance for high-risk drivers in the 2023 Bankrate Awards. 

Who State Farm may be good for: State Farm could be worth considering if you prefer to handle your insurance business in person with an agent. Drivers new to insurance might also find working one-on-one with an agent helpful.   

Read full State Farm Insurance review

Best for telematics

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: 829/1,000 AM Best: A+

Average annual premium

$ 1,657 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Nationwide made our list: Not every Delaware auto insurance company offers a telematics program, but Nationwide has two. You could save up to 10 percent simply by signing up for the company’s more traditional telematics program, SmartRide, and depending on your driving habits, you could save 40 percent or more. Nationwide’s usage-based SmartMiles is a pay-per-mile insurance program that customizes your insurance premium based on the number of miles you drive each month. 

Who Nationwide may be good for: Drivers looking to save on car insurance in DE through telematics might find Nationwide as their company of choice.  

Read full Nationwide Insurance review

Best for robust coverage options

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 832/1,000 AM Best: A+

Average annual premium

$ 3,344 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Allstate made our list: Although Allstate is far from the cheapest company on this list, drivers looking for an alternative to a dealership warranty may find its higher-than-average rates worth it. Allstate’s Extended Vehicle Care program can provide extra financial protection for your tires, paint and fabric, excessive wear and tear on leased vehicles and gap insurance. Allstate also offers classic car insurance, rideshare coverage and deductible awards (which can lower your collision deductible each year you demonstrate safe driving). 

Who Allstate may be good for: Allstate may be worth it for drivers willing to pay higher premiums for extra coverage options.  

Read full Allstate Insurance review

How Bankrate chose the best car insurance companies in Delaware

To determine the best car insurance companies in Delaware, we first analyzed average premium data provided by Quadrant Information Services. Although price is an important consideration, we know drivers looking for the best may have other priorities, too. For this reason, we also issued a proprietary Bankrate Score to each carrier. 

Bankrate Scores are based on a 5-point scale and take into account a wide range of metrics including coverage options, discount opportunities, corporate sustainability and more. Our goal is to provide our readers a quick and easy way to holistically evaluate an insurance company and its offerings as they shop for new coverage.

How much is car insurance in Delaware?

Car insurance in Delaware is generally more expensive than the national average. Delaware drivers pay, on average, $801 per year for state minimum coverage and $2,103 for full coverage. By comparison, the national average is $622 for minimum coverage and $2,014 for full coverage.

Delwareans may also pay higher rates than some of its neighboring states, including Pennsylvania and New Jersey. For example, Pennsylvania drivers pay an annual average of $2,040 for full coverage, while New Jersey motorists pay an average of $1,754 per year.

Although Delaware is a small state, it has over 812,000 licensed drivers on its roads. The high density of drivers could mean that accidents are more likely, which may also contribute to higher car insurance premiums.

Average annual premium for full coverage in Delaware Average annual premium for minimum coverage in Delaware
$2,103 $801

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 rating factors. However, there are a few steps you could start with to find the best auto insurance in Delaware for you.

Consider minimum insurance requirements in Delaware

To drive legally in Delaware, 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). 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 full coverage auto insurance policy, which provides coverage for damage to your vehicle in case of a covered incident. In this situation, you may also want to consider gap insurance. 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 teen driver to your policy, for example, may result in a large premium increase. Driving incidents such as speeding tickets and at-fault accidents could mean you are viewed as a high-risk driver. Since each carrier has its own method of calculating rates, some may offer lower premiums than others, depending on your circumstances. Looking for companies that fit your individual needs might help you mitigate the premium impact of these life events.

Frequently asked questions

Written by
Carol Pope
Former Writer, Insurance

Carol Pope is a former insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Senior Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute