Cheapest Auto Insurance Quotes in Delaware (2025)
Farmers has the cheapest full coverage car insurance in Delaware, at $191 per month. That's 37% cheaper than average.
Find Cheap Auto Insurance Quotes in Delaware
Best cheap car insurance companies in Delaware
Best and cheapest car insurance in Delaware
- Cheapest full coverage: Farmers, $191/mo
- Cheapest minimum liability: Farmers, $74/mo
- Cheapest for young drivers: Geico, $232/mo
- Cheapest after a ticket: Farmers, $216/mo
- Cheapest after an accident: State Farm, $212/mo
- Cheapest for teens after a ticket: Geico, $286/mo
- Cheapest after a DUI: Progressive, $274/mo
- Cheapest for poor credit: Progressive, $344/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Farmers and State Farm both have cheaper rates than average. However, State Farm has better customer service ratings, both from J.D. Power and ValuePenguin.
Cheapest car insurance in Delaware: Farmers
Farmers has the cheapest full coverage quotes in Delaware.
Find Cheap Auto Insurance Quotes in Delaware
- Farmers is the best choice for most Delaware drivers. At $191 per month for full coverage, it offers an excellent mix of cheap rates and reliable customer service.
-
State Farm has great customer service and low rates. State Farm earned great customer service ratings from J.D. Power and ValuePenguin. It’s more expensive, at $212 per month, but that is still $91 cheaper than average.
Best cheap full coverage quotes in Delaware
Company | Monthly rate | |
|---|---|---|
| Farmers | $191 |
| State Farm | $212 |
| Travelers | $213 |
| Progressive | $223 |
| Geico | $268 |
*USAA is only available to current and former military members and their families.
Data-powered research on Delaware car insurance
| Data-powered research on DE car insurance |
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Cheapest liability insurance quotes in Delaware: Farmers
Farmers has the cheapest rates for liability-only auto insurance.
At $74 per month, minimum coverage from Farmers is around half the average price in the state — $134 per month.
Cheapest Delaware car insurance companies for minimum coverage
Company | Monthly rate | |
|---|---|---|
| Farmers | Farmers | $74 |
| Travelers | Travelers | $79 |
| Geico | Geico | $84 |
| State Farm | State Farm | $103 |
| Progressive | Progressive | $121 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Delaware
Cheapest Delaware car insurance for teens: Geico
Geico has the most affordable minimum and full coverage quotes for teen drivers in Delaware.
Minimum coverage from Geico costs $232 per month for an 18-year-old in Delaware, which is half the state average.
Geico also has the best full coverage rates for Delaware teens, at around $608 per month. That's about 40% less than what teens pay on average for full coverage across the state.
Best car insurance rates in Delaware for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $232 | $608 |
| State Farm | $355 | $673 |
| Farmers | $355 | $785 |
| Donegal | $454 | $876 |
| Progressive | $465 | $1,026 |
*USAA is only available to current and former military members and their families.
Teen drivers in Delaware pay an average of $467 per month for minimum coverage auto insurance. That's about three and a half times as much as 30-year-old drivers pay for the same insurance.
Young drivers have less experience behind the wheel, so they tend to get into more accidents than older drivers. That makes them more expensive to insure.
The best way for teen drivers to get more affordable car insurance quotes is by sharing a policy with their parents.
Young drivers should also try to qualify for as many discounts as possible. For example, the state of Delaware requires insurance companies to offer a discount if you complete a defensive driving course. This could save you around 10% on your car insurance rates.
Cheapest Delaware car insurance after a ticket: Farmers
Farmers has the cheapest rates for Delaware drivers with a speeding ticket. At $216 per month, full coverage from Farmers is around half the state average.
Cheap car insurance in Delaware after speeding
Company | Monthly rate |
|---|---|
| Farmers | $216 |
| State Farm | $232 |
| Progressive | $295 |
| Donegal | $314 |
| Geico | $346 |
*USAA is only available to current and former military members and their families.
Full coverage rates in Delaware go up by an average of 35% after a single speeding ticket.
Cheap quotes after an accident in DE: State Farm
State Farm offers the best rates for Delaware drivers with an at-fault accident on their records. Full coverage from State Farm costs just $212 per month after an accident, which is less than half the state average.
Cheapest Delaware automobile insurance after accidents
Company | Monthly rate |
|---|---|
| State Farm | $212 |
| Farmers | $255 |
| Progressive | $282 |
| Donegal | $337 |
| Travelers | $343 |
*USAA is only available to current and former military members and their families.
In Delaware, average rates go up by 46% after you cause an accident.
Insurance companies raise auto insurance rates after an at-fault accident because drivers who cause crashes are more likely to get in accidents again in the future.
Cheapest for teens with a ticket or accident: Geico
Geico has the most affordable quotes for young drivers in Delaware with a speeding ticket.
Minimum coverage from Geico costs around $286 per month for 18-year-olds with a recent speeding ticket. That's less than half the Delaware state average.
State Farm is the cheapest for teens with an accident on their records. Teens who have recently caused an accident can expect to pay around $355 per month for minimum coverage from State Farm, which is about a third less than the state average.
Cheap minimum coverage quotes for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $286 | $375 |
| State Farm | $394 | $355 |
| Farmers | $397 | $458 |
| Donegal | $454 | $471 |
| Progressive | $486 | $547 |
*USAA is only available to current and former military members and their families.
Average car insurance rates for Delaware teens go up by 41% after a speeding ticket and 33% after an accident.
Discounts for taking a defensive driving course, getting good grades and having usage-based insurance can help make your rate more affordable.
Affordable rates after a DUI in Delaware: Progressive
Progressive has the cheapest quotes for Delaware drivers with a DUI on their records. At $274 per month, a full coverage policy from Progressive is half the average rate after a DUI.
Most affordable Delaware DUI car insurance
Company | Monthly rate |
|---|---|
| Progressive | $274 |
| Geico | $499 |
| Donegal | $505 |
| Farmers | $539 |
| Allstate | $586 |
*USAA is only available to current and former military members and their families.
Driving under the influence (DUI) causes average car insurance rates to increase by more than any other offense. Auto insurance rates in Delaware increase by 80% after a DUI.
Cheapest quotes for drivers with poor credit: Progressive
Progressive has the best rates for Delaware drivers with low credit scores. A full coverage policy from Progressive costs $344 per month for Delaware drivers with bad credit. That's 33% cheaper than the state average, which is $511 per month.
Best Delaware car insurance for poor credit
Company | Monthly rate |
|---|---|
| Progressive | $344 |
| Geico | $403 |
| Nationwide | $417 |
| Travelers | $431 |
| Farmers | $438 |
*USAA is only available to current and former military members and their families.
Your credit score doesn't have anything to do with your ability to drive a car, but it can affect your car insurance quotes in most states, including Delaware. That's because insurance companies believe drivers with poor credit are more likely to make claims in the future.
Auto insurance for Delaware drivers with poor credit is 69% more expensive than average.
Best auto insurance companies in Delaware
USAA and State Farm are the best insurance companies for most Delaware drivers.
Among Delaware insurance companies, USAA has the best customer service reviews. However, USAA is only available to current and former members of the military and their families.
State Farm also has excellent customer service scores and the cheapest rates for many Delaware drivers. That makes it the best option for those who aren’t eligible for USAA.
Best car insurance in Delaware
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Nationwide | 645 | A | |
| Farmers | 622 | A | |
| Travelers | 613 | A++ |
Car insurance rates in Delaware by city
South Bethany, along the coast, has the cheapest average rate for full coverage car insurance, at $244 per month.
Meanwhile, drivers in Elsmere, a Wilmington suburb, have the highest quotes, at $372 per month.
Average cost of car insurance in Delaware by city
City | Monthly rate | % from average |
|---|---|---|
| Arden | $310 | 3% |
| Bear | $343 | 13% |
| Bellefonte | $330 | 9% |
| Bethany Beach | $244 | -19% |
| Bethel | $268 | -11% |
Where you live within Delaware will affect what you'll pay for car insurance. For example, if you live in a densely populated area, you're more likely to have an accident or auto theft. Car insurance companies often increase your rates to account for this risk.
Minimum insurance requirements in Delaware
Minimum coverage in Delaware includes three types of coverage. Bodily injury and property damage liability coverage will pay for injuries and damage you cause in an accident. Personal injury protection (PIP) pays for your own injuries and lost wages while you recover after a crash.
If you're a Delaware driver, your policy must have a minimum amount of each of these coverage types. Delaware requires at least 25/50/10 liability coverage and 15/30 PIP coverage to avoid penalties.
- Bodily injury (BI): $25,000 per person and $50,000 per accident
- Property damage (PD): $10,000 per accident
- Personal injury protection (PIP): $15,000 per person and $30,000 per accident
What's the best car insurance coverage for Delaware drivers?
Full coverage is the best car insurance for most Delaware drivers because it pays to repair or replace your car if it's stolen or damaged in an accident you cause.
It also includes higher liability limits, which can help you avoid an expensive bill if you cause a major accident.
Full coverage car insurance in Delaware costs more than twice as much as minimum coverage.
The extra cost of full coverage insurance is usually worth it for Delaware drivers. This is especially true if your car is less than five years old or worth more than $5,000.
Buying minimum coverage is the cheapest way to make sure you're covered. However, you get what you pay for.
In Delaware, a minimum coverage policy only pays for other people's injuries or damage you cause to other cars or property.
It doesn't include damage to your car, which means you have to pay for your own car repairs if you cause an accident. The liability limits that come with minimum coverage insurance also may not be enough to cover the cost of a serious accident.
Frequently asked questions
Who has the cheapest car insurance in Delaware?
Farmers offers the cheapest auto insurance rates in Delaware in 2025. Full coverage insurance from Farmer costs around $191 per month, which is $111 per month cheaper than the state average. Farmers has the cheapest minimum liability rates, at $74 per month.
How much is car insurance in Delaware?
The average cost of minimum coverage insurance in Delaware is $134 per month, while the average full coverage policy costs $302 per month.
Is car insurance cheaper in Delaware?
NATIONAL DATA NEEDED Delaware is almost 73% more expensive than the national average for full coverage car insurance. This is likely because of its high population density and the fact that PIP coverage is required by state law.
Why is car insurance so high in Delaware?
Rates in Delaware are 73% more expensive than the national average, partially because the majority of the state’s population lives in fairly densely populated areas. Cities and other urban areas tend to have more expensive car insurance rates because they also typically have higher rates of crashes, vandalism and theft. Severe weather, such as flooding and wind, also play a part in Delaware's high rates.
The state of Delaware recently created an auto insurance task force to work on bringing down the cost of car insurance in the state.
Methodology
ValuePenguin collected thousands of quotes from ZIP codes across Delaware for the state's largest insurance companies. Rates are for a 30-year-old man driving a 2018 Honda Civic EX with good credit.
Quotes are for full coverage with collision and comprehensive coverage and higher liability limits than the state minimum requirements.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Personal injury protection: $15,000 per person and $30,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
This analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Senior Writer
Jenn Jones is a Senior Writer at LendingTree where she covers auto, home, renters and motorcycle insurance topics.
Previously an editor for USA TODAY Blueprint and a finance manager at World Car dealerships, she has more than a decade of experience in the world of personal finance and a deep interest in sharing knowledge that empowers others. She’s also served as a freelance translator, copy editor, writer and researcher. She graduated from the University of Virginia with a B.S. in commerce and a B.A. in Chinese language and literature.
How insurance helped Jenn
Jenn first came to appreciate pet insurance when annual checkups for her cat and dog totaled more than $700.
Expertise
- Auto insurance
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Referenced by
- USA TODAY
- MSN
- F&I Magazine
- Automotive News
Education
- BS, Commerce, University of Virginia
- BA, Chinese Language and Literature, University of Virginia
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
