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Best car insurance in Delaware for 2024

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

Updated Jan 30, 2024
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Best car insurance companies in Delaware

Drivers in Delaware are required to have insurance on their vehicle to drive on the road. While you only need to have liability insurance to meet legal requirements, many people opt for full coverage to offer more robust financial protection. Because each provider is different and finding the right car insurer in Delaware may feel overwhelming, our team of experts did the legwork upfront.

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 $2,636, with minimum coverage averaging $998 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 2023 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, State Farm, USAA, Nationwide and Allstate.

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,834
$665
4.3
Rating: 4.3 stars out of 5
$2,440
$913
4.2
Rating: 4.2 stars out of 5
$1,630
$522
4.0
Rating: 4 stars out of 5
$1,799
$1,082
3.9
Rating: 3.9 stars out of 5
$3,706
$1,231

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$153/mo

Avg. full coverage premium

$1,834/yr

Customer satisfaction

818/1,000

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$203/mo

Avg. full coverage premium

$2,440/yr

Customer satisfaction

843/1,000

USAA

3.4

Rating: 3.4 stars out of 5

Avg. full coverage premium

$136/mo

Avg. full coverage premium

$1,630/yr

Customer satisfaction

847/1,000

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

$150/mo

Avg. full coverage premium

$1,799/yr

Customer satisfaction

820/1,000

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$309/mo

Avg. full coverage premium

$3,706/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

20.7K

ZIP codes examined

1.2M

quotes analyzed

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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.

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, car insurance can help to protect drivers from extensive financial risk. Who offers the best insurance for you will depend partly on your rating factors.

Related content:

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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.

How much is car insurance in Delaware?

Car insurance in Delaware is generally more expensive than the national average. Delaware drivers pay, on average, $998 per year for state minimum coverage and $2,636 for full coverage. By comparison, the national average is $741 for minimum coverage and $2,545 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 $2,791 for full coverage, while New Jersey motorists pay an average of $2,563 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 812,000 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

By requesting personalized quotes, you’ll gain a better understanding of how your premium is affected by individual rating factors. Using our tool below, you can estimate your personalized rates.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 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
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Joshua Cox-Steib
Contributor, Personal Finance

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

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