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 in Delaware for 2024
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 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
|
Average full coverage rate | Average min coverage rate |
---|---|---|---|
4.4
|
$1,834
|
$665
|
|
4.3
|
$2,440
|
$913
|
|
4.2
|
$1,630
|
$522
|
|
4.0
|
$1,799
|
$1,082
|
|
3.9
|
$3,706
|
$1,231
|
Geico
4.4
4.4
Avg. full coverage premium
$153/mo
Avg. full coverage premium
$1,834/yr
Customer satisfaction
818/1,000
-
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 just a few of the savings opportunities that helped Geico tie for the best auto insurance company overall in the 2024 Bankrate Awards.
Learn more: Geico Insurance review
State Farm
4.3
4.3
Avg. full coverage premium
$203/mo
Avg. full coverage premium
$2,440/yr
Customer satisfaction
843/1,000
-
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, including drivers with a speeding ticket or accident on their record.
Learn more: State Farm Insurance review
USAA
4.2
4.2
Avg. full coverage premium
$136/mo
Avg. full coverage premium
$1,630/yr
Customer satisfaction
877/1,000
-
Why USAA made our list: USAA is only available to active-duty military, veterans and their eligible family members. However, Delawareans 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.
Learn more: USAA Insurance review
Nationwide
4
4
Avg. full coverage premium
$150/mo
Avg. full coverage premium
$1,799/yr
Customer satisfaction
820/1,000
-
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.
Learn more: Nationwide Insurance review
Allstate
3.9
3.9
Avg. full coverage premium
$309/mo
Avg. full coverage premium
$3,706/yr
Customer satisfaction
825/1,000
-
Why Allstate made our list: Allstate may not be the cheapest company on this list, but drivers looking for an alternative to a dealership warranty may find its higher-than-average rates worth it. Allstate’s Extended Vehicle Care program may help 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).
Read full Allstate Insurance review
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.
Why you can trust Bankrate
Read our full methodologyTo 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
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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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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Wilmington | $2,712 | +3% |
Saint Georges | $2,911 | +10% |
Montchanin | $2,577 | -2% |
Newark | $2,777 | +5% |
Dover | $2,386 | -10% |
Middletown | $2,498 | -5% |
Claymont | $2,831 | +7% |
Kirkwood | $2,706 | +3% |
Delaware City | $3,023 | +14% |
Hockessin | $2,634 | -0% |
Smyrna | $2,445 | -7% |
Bear | $2,772 | +5% |
Odessa | $2,547 | -3% |
Townsend | $2,501 | -5% |
Port Penn | $2,610 | -1% |
Rockland | $2,675 | +1% |
Winterthur | $2,564 | -3% |
Clayton | $2,390 | -10% |
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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.