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
- Best car insurance companies in Delaware
- Cheapest car insurance companies in Delaware
- Cheapest car insurance cost in Delaware by age
- Cheapest car insurance companies in Delaware by driver profile
- Compare auto insurance rates by city in Delaware
- Compare auto insurance rates with other states
- Methodology
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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Geico | A++ | $ 1,077 | 0.77 | 4.86 |
| USAA* | A++ | $ 1,222 | 0.99 | 4.68 |
| State Farm | A++ | $ 1,304 | 0.52 | 4.61 |
| Nationwide | A+ | $ 1,390 | 0.66 | 4.5 |
| Travelers | A++ | $ 1,730 | 1.03 | 4.47 |
| Progressive | A+ | $ 1,473 | 0.73 | 4.43 |
| American Family | A | $ 2,864 | 0.57 | 3.7 |
| Allstate | A+ | $ 3,136 | 0.95 | 3.69 |
*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.
| Company | State minimum | 50/100/50 liability only | 100/300/100 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 AlabamaMost & least expensive ZIP codes for auto insurance in
Most Expensive
| Zip Code | City | Highest Rate |
|---|
Least Expensive
| Zip Code | City | Lowest Rate |
|---|
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.
| 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.
| Company | Clean record | Accident | Ticket |
|---|---|---|---|
| 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.
| City | Annual insurance premium |
|---|---|
Bear | $2,325 |
Delaware City | $2,410 |
Dover | $1,948 |
Fenwick Island | $1,739 |
Frederica | $1,868 |
Georgetown | $1,867 |
Middletown | $2,108 |
Milford | $1,864 |
Newark | $2,279 |
Compare auto insurance rates with other states
Methodology
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:
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.
Helpful auto insurance tools and calculators
You might also be interested in