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Geico offers the cheapest auto insurance rates in Delaware at about $1,077  a year or $90 monthly, on average, which is below the average Delaware car insurance rate of $2,111 a year. 

Cheap isn’t everything; however, an Insurance.com analysis of rates, complaints, and financial stability found Geico to be the best insurance company in Delaware as well as the cheapest.

Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your car insurance cost. 

Read on to compare Delaware insurance rates by company, age, and more.

Key takeaways

  • Geico is the best car insurance company in Delaware overall, with below-average rates and a low complaint ratio.
  • Geico is also the cheapest car insurance company in Delaware at $1,077 per year.
  • State Farm has the cheapest car insurance rates for teen drivers in Delaware. Average cost of car insurance in Delaware

Average cost of car insurance in Delaware

The average car insurance rate in Delaware is $2,111 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 $835.

Best car insurance companies in Delaware

Geico is the best car insurance company in Delaware, based on a 2023 analysis by Insurance.com, with an overall rating of 4.86. USAA came in second, but is only open to military members and their families.

Below is a full list of the top Delaware 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 companies in Delaware
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
GeicoA++$ 1,0770.774.86
USAA*A++$ 1,2220.994.68
State FarmA++$ 1,3040.524.61
NationwideA+$ 1,3900.664.5
TravelersA++$ 1,7301.034.47
ProgressiveA+$ 1,4730.734.43
American FamilyA$ 2,8640.573.7
AllstateA+$ 3,1360.953.69

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

Cheapest car insurance companies in Delaware

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. Based on a rate analysis by Insurance.com, Geico is the cheapest auto insurance company in Delaware, with average rates of $1,077 annually or $90 a month for full coverage. 

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
Geico$ 408$ 544$ 1,077
USAA*$ 423$ 556$ 1,222
State Farm$ 552$ 676$ 1,304
Nationwide$ 940$ 975$ 1,390
Progressive$ 711$ 849$ 1,473
Travelers$ 637$ 765$ 1,730
American Family$ 1,125$ 1,486$ 2,864
Allstate$ 1,133$ 1,243$ 3,136
Sentry Insurance$ 1,588$ 2,106$ 4,803

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

Auto insurance calculator

Average auto insurance rates in Alabama
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Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

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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.

State Farm offers the cheapest car insurance for teen drivers in Delaware at $3,933 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, Geico offers the cheapest full-coverage car insurance for adult and senior drivers at $1,153 per year and $1,108 per year, respectively.  

Cheapest car insurance by age in Delaware
Age (group) Company Group Avg. Annual Premium
Teens (16-19)State Farm$ 3,933
Teens (16-19)Geico$ 3,937
Teens (16-19)Nationwide$ 4,479
Teens (16-19)USAA$ 4,744
Teens (16-19)American Family$ 8,597
Teens (16-19)Progressive$ 8,717
Teens (16-19)Allstate$ 11,696
Teens (16-19)Travelers$ 13,764
Teens (16-19)Sentry Insurance$ 14,267
Young Adults (20-24)Geico$ 1,646
Young Adults (20-24)USAA$ 2,101
Young Adults (20-24)State Farm$ 2,203
Young Adults (20-24)Nationwide$ 2,370
Young Adults (20-24)Progressive$ 2,738
Young Adults (20-24)Travelers$ 3,482
Young Adults (20-24)Allstate$ 4,436
Young Adults (20-24)American Family$ 5,439
Young Adults (20-24)Sentry Insurance$ 6,982
Adults (25-55)Geico$ 1,153
Adults (25-55)State Farm$ 1,328
Adults (25-55)USAA$ 1,334
Adults (25-55)Nationwide$ 1,383
Adults (25-55)Progressive$ 1,580
Adults (25-55)Travelers$ 1,690
Adults (25-55)American Family$ 2,793
Adults (25-55)Allstate$ 3,127
Adults (25-55)Sentry Insurance$ 4,905
Seniors (60-75)Geico$ 1,108
Seniors (60-75)USAA$ 1,195
Seniors (60-75)State Farm$ 1,306
Seniors (60-75)Nationwide$ 1,369
Seniors (60-75)Progressive$ 1,656
Seniors (60-75)Travelers$ 1,716
Seniors (60-75)American Family$ 2,551
Seniors (60-75)Allstate$ 3,078
Seniors (60-75)Sentry Insurance$ 4,187

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. 

However, the severity and frequency of the incidents also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.

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

Cheapest car insurance companies for tickets and accidents in Delaware 
CompanyClean recordAccidentTicket
Geico$ 1,070$ 2,522$ 1,900
USAA$ 1,240$ 1,240$ 1,594
State Farm$ 1,346$ 1,594$ 1,420
Nationwide$ 1,465$ 1,910$ 1,736
Progressive$ 1,482$ 2,225$ 2,110
Travelers$ 1,516$ 1,546$ 1,741
American Family$ 2,577$ 3,189$ 2,577
Allstate$ 3,147$ 4,906$ 3,524

*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 vary significantly 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 and consider these local factors to find the most competitive rates for your specific city in Delaware.

CityAnnual insurance premium
Delaware City
Fenwick Island

Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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: 


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


  • 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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