- Best car insurance company in Delaware: GEICO
- Cheapest car insurance company in Delaware: GEICO
- Average cost of car insurance in Delaware
- Delaware car insurance requirements
- Cheapest car insurance companies for minimum liability coverage 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
- Car insurance premium trends in Delaware
- Methodology
- Compare Delaware car insurance rates with other states
Best car insurance company in Delaware: GEICO
GEICO is the best car insurance company in Delaware, based on our 2025 data analysis, with an overall rating of 4.64. State Farm, Nationwide, Travelers and Progressive are also among 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.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| GEICO | A++ | 647 | 0.69 | $1,695 | 4.64 |
| State Farm | A++ | 652 | 0.79 | $2,153 | 4.51 |
| Nationwide | A | 642 | 0.63 | $1,498 | 4.47 |
| Travelers | A++ | 628 | 0.52 | $1,595 | 4.32 |
| Progressive | A+ | 624 | 0.71 | $1,999 | 3.81 |
| Allstate | A+ | 624 | 1.1 | $3,631 | 2.84 |
| USAA | A++ | 743 | 1.18 | $1,463 | 4.5 |
Cheapest car insurance company in Delaware: GEICO
Based on a rate analysis by Insurance.com, GEICO offers the cheapest full coverage car insurance in Delaware, with average rates of $1,831 a year or $153 monthly. USAA offers cheaper rates if you are eligible. Additionally, GEICO offers the cheapest liability car insurance in Delaware at $778 per year. It alsooffers the lowest car insurance for state minimum coverage at $531 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.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| GEICO | $531 | $778 | $1,831 |
| Nationwide | $1,021 | $1,089 | $1,936 |
| Progressive | $981 | $1,211 | $2,629 |
| State Farm | $1,057 | $1,323 | $3,008 |
| American Family | $1,433 | $1,570 | $3,225 |
| Donegal Insurance | $1,686 | $2,075 | $4,076 |
| Allstate | $1,824 | $2,138 | $4,700 |
| Sentry Insurance | $2,524 | $3,317 | $6,505 |
| USAA | $533 | $757 | $1,788 |
*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 $3,097 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 $1,277.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Delaware
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Wilmington | $2,099 | $175 |
| Rockland | $1,890 | $157 |
| New Castle | $1,811 | $151 |
| St. Georges | $1,800 | $150 |
| Kirkwood | $1,784 | $149 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Rehoboth Beach | $1,190 | $99 |
| Selbyville | $1,195 | $100 |
| Bethany Beach | $1,196 | $100 |
| Fenwick Island | $1,199 | $100 |
| Lewes | $1,200 | $100 |
The Delaware Department of Insurance says...
Credit-based insurance scores are based on information like payment history, bankruptcies, collections, outstanding debt and length of credit history. Companies can only take your credit score into consideration when you are applying for a new policy, except upon the request of the insured. In that case the consumer may be re-rated at renewal based upon a current credit score, but only to the extent that it benefits the consumer.
- The Delaware Department of InsuranceDelaware car insurance requirements
Delaware’s minimum car insurance coverage limits are 25/50/10. Delaware’s state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $1,277 annually or $106 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, GEICO provides the cheapest state minimum liability insurance, averaging $778 annually or $65 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.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| GEICO | $778 | $65 |
| Nationwide | $1,089 | $91 |
| Progressive | $1,211 | $101 |
| State Farm | $1,323 | $110 |
| American Family | $1,570 | $131 |
| Donegal Insurance | $2,075 | $173 |
| Allstate | $2,138 | $178 |
| Sentry Insurance | $3,317 | $276 |
| USAA | $757 | $63 |
*USAA offers coverage only to military veterans and their family
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 a 16-year-old driver in Delaware at $7,783 per year.
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 car insurance for a 25-year-old driver at $2,046 per year. GEICO offers the cheapest car insurance for a 65-year-old driver at $1,664 per year.
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.
| Nationwide | $7,783 | $649 |
| GEICO | $10,444 | $870 |
| State Farm | $10,977 | $915 |
| USAA | $12,152 | $1,013 |
| Donegal Insurance | $12,556 | $1,046 |
| American Family | $12,860 | $1,072 |
| Sentry Insurance | $15,032 | $1,253 |
| Progressive | $18,822 | $1,568 |
*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, Nationwide offers the cheapest auto insurance in Delaware for drivers with an accident at $2,924 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 $2,858 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.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Nationwide | $1,936 | $2,924 | $2,858 |
| GEICO | $1,831 | $4,165 | $3,029 |
| State Farm | $3,008 | $3,559 | $3,283 |
| Progressive | $2,629 | $3,842 | $3,483 |
| American Family | $3,225 | $4,322 | $3,514 |
| Allstate | $4,700 | $7,819 | $5,235 |
| Sentry Insurance | $6,505 | $10,955 | $10,135 |
| USAA | $1,788 | $0 | $2,306 |
*USAA offers car insurance only to military veterans and their families.
Compare auto insurance rates by city in Delaware
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Delaware will impact what you pay. Below, we've gathered Delaware car insurance rates by city for comparison.
Car insurance premium trends in Delaware
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Delaware to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
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
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Delaware car insurance rates with other states
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