Best car insurance in Delaware for 2023

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for 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 2021 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.

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Based on our research, the cheapest car insurance companies in Delaware include USAA, Travelers and Geico. 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, which includes minimum amounts of liability coverage. Additionally, uninsured and underinsured motorist coverage must be offered by insurance companies in Delaware but can be declined in writing. 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 collision and comprehensive coverages.

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. In addition to these basics, your agent may also ask how you use your vehicles, including how many estimated miles you drive each year.