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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage 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

Data updated in 2024
Read our full methodology

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 alsooffers 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.

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 InsuranceNANA$4,066

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

Data updated in 2024
Read our full methodology

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
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
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
Data updated in 2024
Read our full methodology

Delaware car insurance requirements

Delaware’s minimum car insurance coverage limits are 25/50/10. Delaware’s state minimum liability insurance costs an average of $773 annually or $64 monthly.

Minimum liability insurance requirements for Delaware:

  • Bodily injury liability (BI): $25,000 per person, $50,000 per accident
  • Property damage liability (PD): $10,000 per accident
  • Personal injury protection (PIP): $15,000 per person, $30,000 per accident

Cheapest car insurance companies for minimum liability coverage in Delaware

According to Insurance.com, Travelers provides the cheapest state minimum liability insurance, averaging $484 annually or $40 monthly. USAA offers cheaper rates but has eligibility criteria. 

In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Delaware. 

State minimum auto insurance coverage in Delaware, DE
CompanyLiability insurance premiumMonthly liability insurance premium
USAA*$464$39
Travelers$484$40
Geico$492$41
Nationwide$714$60
State Farm$794$66
Progressive$925$77
American Family$999$83
Donegal$1,333$111
Allstate$1,500$125
Sentry Insurance$2,537$211

*USAA offers coverage only to military veterans and their family

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Delaware by age

company_name
Cheapest for teens
$4,932/yr
Learn more
company_name
Cheapest for adults
$1,487/yr
Learn more
company_name
Cheapest for seniors
$1,457/yr
Learn more

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.  

Compare car insurance rates by age

Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.

Age group
Teen
Age
16
Table
Graph
Nationwide$5,065$422
State Farm$7,758$647
Donegal$9,085$757
Geico$9,572$798
American Family$9,653$804
USAA$9,844$820
Progressive$15,262$1,272
Travelers$15,375$1,281
Sentry Insurance$16,524$1,377
Yearly premium

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

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Delaware by driver profile

company_name
Cheapest for at-fault accident
$1,616/yr
Learn more
company_name
Cheapest for DUI
$2,351/yr
Learn more
company_name
Cheapest for speeding ticket
$2,212/yr
Learn more

Drivers who have accidents or tickets are considered a higher risk and will pay more for insurance. In Delaware, Travelers offers the cheapest auto insurance in Delaware for drivers with an accident at $1,616 per year. USAA offers cheaper rates, however, it offers specifically to the military community.

Nationwide is Delaware's cheapest car insurance company for drivers with a speeding ticket at $2,212 per year, on average. USAA offers cheaper rates, however, it offers specifically to the military community.

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

CompanyClean recordAccidentSpeeding ticket
USAA$1,463$1,463$1,888
Nationwide$1,498$2,008$2,212
Travelers$1,595$1,616$2,339
State Farm$2,153$2,548$2,351
Progressive$1,999$2,921$2,649
Geico$1,695$3,857$2,805
American Family$2,709$3,630$2,952
Allstate$3,631$6,040$4,043
Sentry Insurance$4,066$6,847$6,335

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

Data updated in 2024
Read our full methodology

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
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Delaware have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

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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