Best car insurance companies in Delaware: Travelers

Travelers is the best car insurance company in Delaware, based on a 2023 analysis by Insurance.com, with an overall rating of 3.4. State Farm, Nationwide, Geico, and Progressive are also the top car insurance companies in Delaware.

Below is a full list of the top Delaware car insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best car insurance in Delaware
Company AM BestJ.D. PowerNAICInsurance.com scoreAvg. Annual Premium
TravelersA++8220.493.4$1,595
State FarmA++8430.73.17$2,153
NationwideA+8200.643.14$1,498
GeicoA++8180.913.13$1,695
ProgressiveA+8140.652.97$1,999
AllstateA+8250.652.43$3,631
American FamilyA8201.12.24$2,709

Cheapest car insurance companies in Delaware: Nationwide

Based on a rate analysis by Insurance.com, Nationwide offers the cheapest full coverage car insurance in Delaware, with average rates of $1,498 annually or $125 a month. USAA offers cheaper rates if you are eligible. Additionally, Travelers offers the cheapest liability car insurance in Delaware at $688 per year. It also offers the lowest car insurance for state minimum coverage at $512 per year.

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.

We have gathered price quotes from all the major insurance providers in Delaware and compiled a list of the cheapest car insurance companies.

Cheapest car insurance in Delaware
CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
USAA*$482$702$1,463
Nationwide$732$828$1,498
Travelers$512$688$1,595
Geico$530$792$1,695
Progressive$974$1,188$1,999
State Farm$794$991$2,153
Donegal$1,164$1,446$2,673
American Family$999$1,306$2,709
Allstate$1,305$1,574$3,631
Sentry InsuranceN/AN/A$4,066

*USAA offers car insurance only to military members, veterans and their families.

Average cost of car insurance in Delaware

The average car insurance cost in Delaware is $2,063 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Delaware is $788.

Auto insurance calculator

Average auto insurance rates in Delaware
30
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Male
Male Female
19801 - Wilmington
For a 30-year-old male
$86 State minimum
$215 Full coverage
$113 Liability only

Most & least expensive ZIP codes for auto insurance in Delaware

Most Expensive

Zip CodeCityHighest Rate
19801Wilmington$215
19802Wilmington$208
19805Wilmington$204
19706Delaware City$202

Least Expensive

Zip CodeCityLowest Rate
19938Clayton$159
19808Wilmington$160
19810Wilmington$163
19710Montchanin$165

Cheapest car insurance cost in Delaware by age

In Delaware, car insurance rates are higher for teenagers due to their lack of experience on the road.

Nationwide offers the cheapest car insurance for teen drivers in Delaware at $4,932 per year for a full coverage policy.

Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults. 

In Delaware, Nationwide offers the cheapest full coverage car insurance for adult and senior drivers at $1,487 per year and $1,457 per year, respectively.  

Cheapest car insurance in Delaware by age
Age Company Avg annual premium 
Teens (16-19)Nationwide$4,932
Teens (16-19)Geico$5,761
Teens (16-19)USAA*$5,786
Teens (16-19)State Farm$6,473
Teens (16-19)Donegal$8,297
Teens (16-19)American Family$8,565
Teens (16-19)Allstate$9,059
Teens (16-19)Progressive$10,094
Teens (16-19)Travelers$10,474
Teens (16-19)Sentry Insurance$11,700
Young Adults (20-24)Geico$2,424
Young Adults (20-24)USAA*$2,545
Young Adults (20-24)Nationwide$2,726
Young Adults (20-24)Travelers$2,881
Young Adults (20-24)Progressive$3,392
Young Adults (20-24)State Farm$3,646
Young Adults (20-24)American Family$5,015
Young Adults (20-24)Donegal$5,155
Young Adults (20-24)Allstate$5,589
Young Adults (20-24)Sentry Insurance$6,706
Adults (25-60)Nationwide$1,487
Adults (25-60)Travelers$1,510
Adults (25-60)USAA*$1,567
Adults (25-60)Geico$1,690
Adults (25-60)Progressive$2,005
Adults (25-60)State Farm$2,168
Adults (25-60)Donegal$2,614
Adults (25-60)American Family$2,704
Adults (25-60)Allstate$3,650
Adults (25-60)Sentry Insurance$3,687
Seniors (65-75)USAA*$1,457
Seniors (65-75)Nationwide$1,457
Seniors (65-75)Travelers$1,572
Seniors (65-75)Geico$1,642
Seniors (65-75)State Farm$2,189
Seniors (65-75)Progressive$2,205
Seniors (65-75)Donegal$2,519
Seniors (65-75)American Family$2,663
Seniors (65-75)Allstate$3,616
Seniors (65-75)Sentry Insurance$3,851

*USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in Delaware by driver profile

Drivers who have accidents or tickets are considered a higher risk and will pay more for insurance. In Delaware, State Farm offers the cheapest auto insurance in Delaware for drivers with an accident at $1,594 per year. USAA offers cheaper rates, however, it offers specifically to the military community.

State Farm is Delaware's cheapest car insurance company for drivers with speeding tickets at $1,470 per year, on average.

Below are the average Delaware car insurance rates by company for drivers with accidents and tickets on their driving record. 

Cheapest car insurance in Delaware for drivers with tickets and accidents
CompanyClean record Accident Speeding Ticket
Geico$1,136$3,069$2,594
USAA*$1,244$1,505$1,650
State Farm$1,346$1,594$1,470
Nationwide$1,463$2,069$2,007
Travelers$1,519$1,692$2,113
Progressive$1,567$2,808$2,183
American Family$2,577$3,269$2,577
Allstate$3,157$5,411$3,577

*USAA offers car insurance only to military veterans and their families.

Compare auto insurance rates by city in Delaware

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Delaware.

CityAnnual insurance premium
Bear
$2,241
Dover
$2,070
Newark
$2,178

Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets: 

Accidents: 

  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 

Tickets: 

  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 

Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

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