Cheapest Car Insurance In Delaware For 2024
Travelers is famous for offering dependable and budget-friendly auto insurance plans in Delaware.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding affordable car insurance in Delaware may seem difficult, but it doesn’t have to be. Travelers is a well-known provider, offering competitive rates and dependable coverage options. They provide various levels of insurance, from basic to comprehensive. With the cost of living rising, finding a cost-effective policy that still suits your needs is crucial.
Whether you’re a first-time driver, an experienced commuter, or a family trying to cut insurance costs, understanding what influences premiums and where to find the best deals can make all the difference. After over a decade of researching car insurance, I’ve broken down our insights to help you navigate this complex market.
This guide will cover how insurance rates are determined, offer tips for securing the lowest rates, and ensure you get a policy that doesn’t sacrifice coverage. Let’s explore the road to saving on your car insurance in Delaware.
Cheapest Car Insurance Companies In Delaware
Our Methodology
For our study, I used a methodical approach to research and analyze information about different car insurance companies and their policies. I started by identifying important factors like coverage choices, pricing, customer satisfaction, and financial stability of the insurers. Then, I gathered data from trustworthy sources such as insurer websites, customer reviews, and industry reports. After collecting the data, I categorized it and assessed each insurer based on specific criteria. This included comparing coverage choices, premium costs, discounts available, and customer opinions to identify the strengths and weaknesses of each provider.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest Car Insurance In Delaware For Young Drivers
In Delaware, young adults usually get cheaper car insurance compared to teenagers. This is because as they grow older, they tend to drive more safely, causing fewer accidents and insurance claims. Insurance providers consider these factors and reduce premiums for young adults with better safety histories.
Cheapest Delaware Car Insurance For 16-Year-Olds
Geico offers the most affordable rates for sixteen-year-olds, averaging $274 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $448 | $5,374 |
| GEICO | $274 | $3,286 |
| State Farm | $380 | $4,558 |
| USAA | $308 | $3,694 |
| Donegal Insurance Group | $435 | $5,218 |
Cheapest Delaware Car Insurance For 17-Year-Olds
USAA offers the most affordable insurance premiums for seventeen-year-olds, averaging at $182.
| Provider | Average Monthly Cost | Average Annual Cost |
| California Casualty | $185 | $2,218 |
| USAA | $182 | $2,182 |
| Donegal Insurance Group | $435 | $5,218 |
| State Farm | $334 | $4,006 |
| GEICO | $230 | $2,758 |
Cheapest Delaware Car Insurance For 18-Year-Olds
USAA offers the most affordable rates for 18-year-olds, averaging a monthly premium of $152.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $152 | $1,822 |
| Travelers | $328 | $3,934 |
| GEICO | $200 | $2,398 |
| California Casualty | $186 | $2,230 |
| State Farm | $290 | $3,478 |
Cheapest Delaware Car Insurance For 21-Year-Olds
Progressive offers the most affordable insurance rates for 21-year-olds, averaging $147 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $172 | $2,062 |
| Progressive | $147 | $1,762 |
| Farmers | $166 | $1,994 |
| Donegal Insurance Group | $230 | $2,758 |
| Delaware state average | $150 | $1,798 |
Cheapest Car Insurance In Delaware For Full Coverage
State Farm offers the most affordable full coverage car insurance in Delaware, with monthly rates averaging $135.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Travelers |
$145 |
$1,738 |
|
$135 |
$1,618 |
|
|
Allstate |
$337 |
$4,042 |
|
GEICO |
$246 |
$2,950 |
|
Progressive |
$210 |
$2,518 |
Full coverage car insurance in Delaware gives drivers extensive protection for both their vehicles and themselves. It generally includes the required liability insurance by the state, along with extra options like collision and comprehensive coverage. Collision insurance covers the cost of fixing your vehicle if it’s involved in an accident with another car or object, no matter who is responsible.
Comprehensive insurance, meanwhile, takes care of damage from non-collision events such as theft, vandalism, fires, or natural disasters. Full coverage provides peace of mind by offering broad financial protection, covering damage to your vehicle and others. It’s crucial to thoroughly review your policy, including limits and deductibles, to ensure you have the right protection.
Cheapest Car Insurance In Delaware For Minimum Coverage
Travelers provides the most affordable rates for basic car insurance in Delaware, with an average monthly cost of $32.
| Provider | Average Monthly Cost | Average Annual Cost |
|
State Farm |
$67 |
$802 |
|
American Family |
$112 |
$1,342 |
|
Travelers |
$32 |
$382 |
|
GEICO |
$69 |
$826 |
|
Allstate |
$134 |
$1,606 |
In Delaware, drivers must carry minimum car insurance to legally drive on the roads. This coverage usually includes liability insurance, which is made up of two parts: bodily injury liability and property damage liability. Bodily injury liability covers medical bills, rehab costs, and legal fees if you’re at fault in an accident that harms another person.
Property damage liability, on the other hand, pays for repairing or replacing someone else’s vehicle or property if you’re responsible for the damage. These minimum requirements are set by state law and may change depending on factors like your vehicle type and driving record. It’s crucial to understand these rules to ensure you have enough coverage to stay compliant and financially protected in case of an accident.
Cheapest Car Insurance In Delaware For Seniors
Travelers offers the lowest prices for older adults in Delaware, with an average monthly cost of $72.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Progressive |
$122 |
$1,462 |
|
GEICO |
$108 |
$1,294 |
|
Travelers |
$72 |
$862 |
|
State Farm |
$100 |
$1,198 |
|
Allstate |
$175 |
$2,098 |
Seniors may be eligible for lower car insurance rates because they are often seen as experienced and cautious drivers. Insurers recognize that seniors tend to have safer driving habits and drive fewer miles annually, which lowers the risk of accidents. Many insurance companies also offer special discounts for seniors, factoring in age, driving frequency, and whether they’ve completed a senior driver safety course. These courses help seniors refresh their driving skills, and insurers often reward completion with additional savings.
Cheapest Car Insurance In Delaware For Drivers With Poor Credit
Travelers offers the lowest prices in Delaware for drivers with bad credit, with typical monthly costs starting at $118.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Travelers |
$118 |
$1,414 |
|
Allstate |
$245 |
$2,938 |
|
Progressive |
$200 |
$2,398 |
|
GEICO |
$173 |
$2,074 |
|
State Farm |
$400 |
$4,398 |
Car insurance companies often factor in your credit score when determining rates, as it helps assess your risk level. Lower credit scores typically indicate a higher likelihood of filing claims, making insurers view these drivers as riskier to cover. In Delaware, drivers with poor credit may face higher car insurance rates compared to those with better credit. Since many insurers consider credit history in their pricing, it’s important for drivers with poor credit to compare quotes and look for discounts to find the most affordable coverage options.
Cheapest Car Insurance In Delaware For Drivers With Prior Incidents
In Delaware, motorists who have had accidents, speeding tickets, or DUIs frequently face challenges in securing reasonably priced car insurance. These incidents classify them as high-risk to insurance companies, leading to higher premiums to offset the anticipated increase in claims. This issue is exacerbated in Delaware due to its elevated rate of traffic accidents. Insurers determine their pricing strategies based on statistical data that links previous driving incidents with a higher probability of future claims.
Cheapest Car Insurance In Delaware For Drivers With A Speeding Ticket
State Farm offers the lowest rates at around $147 on average, making it highly affordable for drivers with speeding infractions.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $190 | $2,278 |
| USAA | $175 | $2,099 |
| State Farm | $147 | $1,762 |
| Nationwide | $250 | $2,998 |
| GEICO | $292 | $3,502 |
Cheapest Car Insurance In Delaware For Drivers With An At-Fault Accident
State Farm offers the lowest rates at $160 on average, ideal for drivers who have had at-fault accidents.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $390 | $4,678 |
| Travelers | $162 | $1,942 |
| Nationwide | $310 | $3,718 |
| State Farm | $160 | $1,918 |
| Progressive | $264 | $3,166 |
Cheapest Car Insurance In Delaware For Drivers After A DUI
Progressive offers the lowest rates at $260 on average, making it the most affordable choice for drivers who have a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $463 | $5,554 |
| Travelers | $264 | $3,166 |
| Allstate | $445 | $5,338 |
| Progressive | $260 | $3,118 |
| USAA | $280 | $3,358 |
Cheapest Car Insurance In Delaware For Good Drivers
Auto insurance rates for cautious drivers in Delaware can differ depending on their driving record, age, and the specific coverage they seek. Generally, those with clean records may enjoy reduced premiums since they pose less risk to insurance companies. Moreover, they might qualify for extra savings for consistently maintaining a safe driving history. It’s wise for prudent drivers to shop around and compare quotes from various insurers to secure the most suitable rates and coverage for their individual requirements.
| Provider | Average Monthly Cost | Average Annual Cost |
|
State Farm |
$67 |
$802 |
|
American Family |
$112 |
$1,342 |
|
Travelers |
$32 |
$382 |
|
GEICO |
$69 |
$826 |
|
Allstate |
$134 |
$1,606 |
Average Cost Of Auto Insurance In Delaware – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $874 | $10,486 |
| 17 | $671 | $8,050 |
| 18 | $582 | $6,982 |
| 19 | $427 | $5,122 |
| 21 | $282 | $3,382 |
| 25 | $212 | $2,542 |
| 30 | $192 | $2,302 |
| 40 | $187 | $2,242 |
| 45 | $185 | $2,218 |
| 50 | $168 | $2,014 |
| 55 | $166 | $1,990 |
| 65 | $168 | $2,014 |
| 75 | $194 | $2,326 |
Average Cost Of Car Insurance In Delaware – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,800 |
| Male | Single | $1,860 |
| Female | Married | $1,820 |
| Male | Married | $1,882 |
Average Cost Of Auto Insurance In Delaware – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $130 | $1,558 |
| Good | $134 | $1,606 |
| Poor | $210 | $2,518 |
Cheapest Car Insurance In Delaware By City
| City | Average Monthly Cost | Average Annual Cost |
| Camden | $117 | $1,402 |
| Bridgeville | $118 | $1,414 |
| Millsboro | $100 | $1,198 |
| Seaford | $119 | $1,426 |
| Dover | $119 | $1,426 |
Minimum Car Insurance Requirement In Delaware
In Delaware, drivers must carry minimum car insurance that includes liability coverage for bodily injury and property damage. These limits are usually expressed as 25/50/10, meaning $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage. The state also requires Personal Injury Protection (PIP) as part of its no-fault system, which covers medical expenses and lost wages regardless of fault. Drivers can also opt for the Health Insurance Primary (HIP) option, where health insurance covers medical expenses, but not all health plans qualify for this option.
Car Insurance Discounts In Delaware
When shopping for car insurance, it’s smart to look into discounts that may apply to your situation. Talking to your insurance agent can also help identify savings you might not be taking advantage of. Below are some common discounts offered by leading car insurers:
- Safe Driver Discount: This reward is for drivers with no accidents or violations on their record.
- Multi-Vehicle Discount: Insuring more than one car under the same policy can lead to significant savings.
- Bundling Discount: You can save money by combining car insurance with other policies like home or renters insurance.
- Good Student Discount: Students with strong academic performance can qualify for discounts.
- Defensive Driving Course Discount: Completing a defensive driving course can help lower your premiums while improving your driving skills.
FAQs
How much is car insurance a month in Delaware?
The monthly cost of auto insurance in Delaware fluctuates based on factors like age, driving record, and the coverage selected.
What is the minimum car insurance one must have in Delaware?
In Delaware, drivers must have at least basic car insurance that covers injury and property damage liability. They also need Personal Injury Protection (PIP) coverage.
Which insurance is better in Delaware?
The top insurance choice in Delaware varies based on personal preferences, how you drive, and what coverage you require. It’s wise to get quotes from several insurers to pinpoint the right fit for your needs.
