Best car insurance in Delaware 2020

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Before you drive off the lot with a new car, you need to purchase automobile insurance. In 2018, more than 930,600 registered vehicles occupied the roads and highways of the Diamond State, according to the Delaware State Police. That year, nearly 29,000 traffic accidents occurred statewide, resulting in more than 8,100 injuries and 110 fatalities, causing an estimated $1 billion in economic losses. It’s easy to understand the economic need for purchasing Delaware auto insurance, but it’s also required by law.

When shopping for the cheapest auto insurance Delaware:

  • Get quotes from several companies to find the lowest rate.
  • Determine how much coverage you need based on legal requirements, lender requirements and the value of your vehicle.
  • Use the National Association of Insurance Commissioner’s insurance provider lookup tool to make sure the company you choose holds a license in Delaware.
  • Ask insurance agents about discount programs for which you might qualify.

By starting with those steps, you’ll have an easier time finding the right provider for your auto insurance in Delaware.

Best car insurance companies in Delaware

To find the best car insurance in Delaware, insurance rates are important, but also look for an auto insurance company with a firm financial footing and a good track record of customer care. Marketing research company J.D. Power conducts an annual survey of auto insurance companies. Using a 1,000-point system, J.D. Power rates companies based on their performance in billing process, claims handling, customer interaction, policy information, policy offerings and overall satisfaction.

We chose our list of best car insurance in Delaware based on their J.D. Power rankings, AM Best rankings, discounts and affordability. Here are the top choices:

Provider Rating by J.D. Power out of 1000 AM Best Rating
Erie Insurance 850 A+
Geico 841 A++
Nationwide 835 A+
State Farm 855 A++
Travelers 836 A++

Erie

Erie Insurance operates in only 12 states but ranks high as one of the best car insurance companies in Delaware. There won’t be any surprises on your car insurance bill from Erie — you can lock in your rates indefinitely, as long as you don’t add or remove drivers. In addition, accident forgiveness and reduced deductibles are available without the long waiting period of three years other insurance companies require.

Geico

Geico ranked third in the J.D. Power survey. We give Geico a thumbs up for its broad portfolio of insurance products, which includes home and renters policies, along with a host of coverages for small business owners. Geico also operates in every state, allowing you to keep your coverage if you need to move.

Nationwide

Nationwide has a full portfolio of financial products, including homeowners and renters insurance, boat and motorcycle insurance, life insurance, investment products and mortgages. Nationwide also makes it easy for you to file a claim, giving you the option to submit online, over the phone or from the Nationwide mobile app.

State Farm

We like State Farm’s commitment to customer service. Unlike some insurance companies, State Farm continues to operate local agencies, offering you a dedicated agent to help you with claims. That personal touch appeals to older drivers, but State Farm also offers 21st-century tools that younger folks expect. With the State Farm mobile app, you can access your policy information, call for roadside assistance, contact your agent or start a claim.

Travelers

Travelers Insurance goes the extra mile (no pun intended) for its policyholders by topping what other auto insurance companies in Delaware do. The insurer provides two-accident forgiveness, which means you and another member of your household could have an accident claim without worrying about your premiums skyrocketing.

Average cost of car insurance in Delaware

The state of Delaware ranks at average to slightly above average when comparing cost of car insurance by state. Expect to pay $839 per year for minimum required liability insurance and $1,730 for full coverage. To compare auto insurance Delaware prices, Florida, the most expensive state for car insurance will cost you $2,578 for full coverage and $978 for minimum liability insurance.

State minimum insurance requirements in Delaware

According to the Delaware Department of Insurance, you must purchase bodily injury liability and property damage liability coverage, including:

  • $25,000 in bodily injury insurance to pay the medical or death expenses of one person in one accident.
  • $50,000 in bodily injury coverage to pay the death or medical expenses of more than one person in a single accident.
  • $10,000 in property damage insurance to cover property damage in one accident.

Delaware also requires automobile owners to carry minimum amounts of personal injury protection coverage. PIP coverage pays the lost wages and medical expenses of your passengers and you, regardless of who is at fault for an accident. To comply with Delaware law, you must have:

  • $15,000 in PIP insurance to pay the medical expenses of one person in one accident.
  • $30,000 in PIP insurance to pay the medical expenses of more than one person in a single accident.
  • $5,000 in PIP insurance to pay for funeral expenses.

These figures represent the minimum amounts of required coverage. You may decide to increase liability and PIP coverages for added protection. Also, if you finance a vehicle, your lender will require you to purchase comprehensive and collision policies.

The penalty for driving without Delaware car insurance is stiff. First time offenders pay a $1,500 fine and repeat offenders pay $3,000 for every subsequent offense and are subject to a six-month license suspension.

Car insurance discounts in Delaware

You don’t have to settle for high insurance premiums. Delaware auto insurance companies have discount programs that can sometimes offer substantial savings for qualified policyholders. The cheapest car insurance Delaware has for you may depend on which discounts you are eligible for.

Nationwide offers:

  • Up to a 10% discount for customers who purchase home and auto insurance.
  • Up to a 40% discount for safe drivers who enroll in its SmartRide program.
  • Affinity discounts for customers who are members of certain organizations.

State Farm offers multiple education-related discounts, such as:

  • Defensive driver course discounts up to 40% for policyholders who complete a motor vehicle accident prevention course.
  • Good student discounts for people under 25 years of age who earn a 3.0 or higher grade point average.

Geico offers an impressive number of vehicle equipment discounts, including:

  • Up to a 40% discount for cars equipped with full-front seat airbags.
  • Up to a 25% discount for automobiles that have anti-theft systems.

Besides the standard discounts, Travelers rewards responsible policyholders with discounts for:

  • A continuous coverage discount of up to 15% for no gaps of time on your vehicle insurance.
  • A safe driver discount of up to 10%, or up to 23%, depending on how long you’ve gone without accidents, citations or claims.
  • Up to 15% off if you consistently pay your premium on time.

The most unique Erie Insurance discount is the vehicle storage reduction if you park and don’t use your car for 90 consecutive days per year.

Frequently asked questions

What is the cheapest car insurance in Delaware?

The price of Delaware car insurance depends on your rating factors. Your age, driving history and credit rating can all impact the price you pay for coverage. To find the cheapest car insurance in Delaware, get quotes from several insurance providers.

What information is needed to get car insurance in Delaware?

When shopping for Delaware car insurance, agents will need to know your age, information about your driving record, the type of car you drive and your annual mileage. They might also ask for your Social Security number to check your credit.

How do Delaware car insurance rates compare with the rest of the United States?

The best car insurance in Delaware is not cheap. In fact, Delaware car owners pay nearly 60% higher rates than the national average.

What insurance coverages does Delaware require?

Delaware requires all car owners to carry bodily injury liability, property damage liability and personal injury protection coverage. Delaware does not require you to purchase uninsured and underinsured driver coverage.