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The cost of car insurance in Delaware can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in Delaware is $2,111 annually for the profile of a 30-year-old driver.

When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.

Key takeaways

  • The average cost of auto insurance in Delaware is $2,111 per year for a 30-year-old driver.
  • Geico is the cheapest car insurance company in Delaware that offers full coverage policy at about $1,077 per year or $90 monthly.
  • In Delaware, Geico is the cheapest company for teens, Geico is the cheapest company for young drivers. On the other hand, Geico is the cheapest company for adults, and Geico is the cheapest company for seniors.
  • Based on the driving history of a driver in Delaware, the cheapest company for drivers with a speeding ticket is State Farm, and State Farm is the cheapest for drivers with DUI.

Cheapest car insurance companies in Delaware

Geico is the cheapest car insurance company in Delaware that offers full coverage policy at about $1,077 per year or $90 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in Delaware.

Following is the list of the cheap auto insurance companies and their average annual and monthly premium.

CompanyAverage annual premiumAverage monthly premium
Geico$1,077$90
USAA$1,222$102
State Farm$1,304$109
Nationwide$1,390$116
Progressive$1,473$123
Travelers$1,730$144
American Family$2,864$239
Allstate$3,136$261
Sentry Insurance$4,803$400

Cheapest car insurance for teens in Delaware

Geico is the cheapest car insurance provider for teen drivers in Delaware. It offers insurance at about $3,986 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.

CompanyAverage annual premium
Geico$3,986
State Farm$4,396
USAA$4,782
Nationwide$5,060
Progressive$9,104
American Family$9,521
Allstate$12,673
Sentry Insurance$14,460
Travelers$16,171

Cheapest car insurance for young drivers in Delaware

The cheapest car insurance company for young drivers in Delaware is Geico at about $1,604 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.

CompanyAverage annual premium
Geico$1,604
USAA$2,116
State Farm$2,400
Nationwide$2,574
Progressive$2,803
Travelers$3,943
Allstate$4,858
American Family$5,765
Sentry Insurance$7,021

Cheapest car insurance for adults in Delaware

According to Insurance.com's rate analysis, Geico offers the cheapest car insurance for adults in Delaware. Its average rate is $1,092 annually.

Below are the companies that offer cheap insurance rates for adult drivers in Delaware.

CompanyAverage annual premium
Geico$1,092
USAA$1,333
State Farm$1,342
Nationwide$1,406
Progressive$1,503
Travelers$1,717
American Family$2,864
Allstate$3,158
Sentry Insurance$4,851

Cheapest car insurance for seniors in Delaware

Geico offers the cheapest car insurance for seniors in Delaware. The average annual premium offered is $1,064. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.

Below is the list of companies that offer the cheapest car insurance for seniors in Delaware:

CompanyAverage annual premium
Geico$1,064
USAA$1,198
State Farm$1,306
Nationwide$1,402
Progressive$1,666
Travelers$1,766
American Family$2,551
Allstate$3,160
Sentry Insurance$4,348

Cheapest car insurance rates in Delaware by driving record

The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.

Cheapest auto insurance for drivers with poor credit: Geico

Geico has the cheapest auto insurance for drivers with poor credit at about $3,114 annually. If you have poor credit, getting cheap car insurance can be challenging. But the only way to find affordable auto insurance is by shopping around and comparing quotes from multiple insurers.

CompanyAverage annual premium
Geico$1,598
Nationwide$1,949
USAA$2,317
Progressive$2,559
Travelers$2,658
State Farm$4,184
Allstate$4,786
American Family$4,858

Cheapest auto insurance for drivers with a speeding ticket: State Farm

If you have a speeding ticket on your record, State Farm offers the cheapest car insurance at about $2,160 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.

CompanyAverage annual premium
State Farm$1,470
USAA$1,594
Nationwide$1,736
Progressive$2,024
Travelers$2,078
Geico$2,277
American Family$2,577
Allstate$3,524

Cheapest auto insurance after an at-fault accident : USAA

USAA offers the cheapest car insurance after an at-fault accident. Its average cost for Delaware drivers is $2,369 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.

CompanyAverage annual premium
USAA$1,240
Travelers$1,516
State Farm$1,594
Nationwide$1,762
Progressive$2,225
Geico$2,522
American Family$3,189
Allstate$4,906

Cheapest auto insurance after a DUI : State Farm

If there exists DUI on your driving record, State Farm offers the cheapest auto insurance in Delaware at $2,693 per year. To find the best deal, it is required to shop around and compare insurance quotes.

The table below lists the cheapest car insurance companies after DUI in Delaware, along with their average annual premium.

CompanyAverage annual premium
State Farm$1,470
Progressive$2,066
USAA$2,236
Geico$2,525
Nationwide$2,578
Travelers$2,581
American Family$3,829
Allstate$4,258

Average cost of car insurance in Delaware

The average car insurance rate for full coverage in Delaware is $2,111 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.

The state minimum average rate in Delaware is $835 annually.

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