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Best car insurance in Delaware for 2024

Updated Jul 01, 2024
Bankrate has identified Geico, USAA, State Farm, Nationwide and Allstate as offering some of the best car insurance in Delaware.
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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 car insurance companies in Delaware

Drivers in Delaware are required to have auto insurance to drive legally. While you only need liability insurance to meet the state’s requirements, many people opt for full coverage to obtain more robust financial protection. Because each provider is different and finding the right insurer in Delaware may feel overwhelming, our team of experts compiled the reviews below to help customers make more informed decisions.

For reference, the average annual cost of full coverage in Delaware is $2,335. Minimum coverage averages $839 annually, per data on quoted premiums provided by Quadrant Information Services. However, we know shoppers looking for the best car insurance companies in Delaware aren’t only concerned about price. So Bankrate analyzed other metrics that may be important to policyholders, including customer satisfaction scores per the J.D. Power 2023 U.S. Auto Insurance Study and financial strength ratings from AM Best. Based on our assessment, Geico, State Farm, USAA, Nationwide and Allstate offer some of the best Delaware car insurance.

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,963
$650
4.3
Rating: 4.3 stars out of 5
$2,522
$914
4.2
Rating: 4.2 stars out of 5
$1,511
$477
4.0
Rating: 4 stars out of 5
N/A
N/A
3.9
Rating: 3.9 stars out of 5
$3,820
$1,268

Geico

Best for drivers on a budget

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$164/mo

Avg. full coverage premium

$1,963/yr

Customer satisfaction

818/1,000

State Farm

Best for top-notch customer service

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$210/mo

Avg. full coverage premium

$2,522/yr

Customer satisfaction

843/1,000

USAA

Best for military-focused benefits

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$126/mo

Avg. full coverage premium

$1,511/yr

Customer satisfaction

877/1,000

Nationwide

Best for telematics

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

820/1,000

Allstate

Best for robust coverage options

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$318/mo

Avg. full coverage premium

$3,820/yr

Customer satisfaction

825/1,000

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How Bankrate chose the best car insurance companies in Delaware

Analyzing premium data provided by Quadrant Information Services helped us determine the best car insurance companies in Delaware. Price is an important consideration, but we know drivers looking for the best may have other priorities, too. That’s why 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.

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Why you can trust Bankrate

Read our full methodology

To help Delaware drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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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.

How to find the best car insurance in Delaware

Car insurance is an essential part of being a law-abiding and responsible driver. The state requires that all drivers carry at least minimum coverage or risk severe legal and financial penalties. Beyond the law, though, the best car insurance in Delaware can help to protect drivers from extensive financial risk. Deciding which insurer offers the best insurance for you will depend partly on your driver profile.

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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.

How much is car insurance in Delaware?

Car insurance in Delaware is generally more expensive than the national average. Delaware drivers pay, on average, $839 per year for state minimum coverage and $2,335 for full coverage. By comparison, the national average is $621 for minimum coverage and $2,278 for full coverage.

Delawareans 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 $2,464 for full coverage, while New Jersey motorists pay an average of $2,352 per year. Some of this cost difference may be due to Delaware having relatively high urban density levels within its cities.

Delaware is a smaller state, but it has more than 862,100 licensed drivers on its roads. With such a high density of drivers, accidents may be more likely to occur. This may also contribute to higher car insurance premiums.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Delaware

Finding the right car insurance can be stressful. If you take the first quote you get, you could end up paying too much. Bankrate’s insurance calculator tool won’t deliver an exact quote, but it can give you a ballpark idea of what to expect. Just enter some details about yourself for an estimate to help guide your shopping experience.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze July 2024 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 single, 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 2022 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.

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46
years of industry expertise
Search
122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed