Best Delaware Auto Insurance 2020

Last modified: November 23, 2020

Auto insurance provides you with financial protection in the case of an accident, injury, or car theft. Like most U.S. states, Delaware makes it mandatory for you to have car insurance.  However, Delaware is known to be one of the more expensive states for  car insurance, with the minimum average cost being $1,042 for an annual policy.

If you are looking to discover the best Delaware auto insurance provider, you have come to the right place. This comprehensive guide gives a detailed overview of the car insurance requirements, costs, and ratings in the First State

What Are Delaware Auto Insurance Minimum Requirements?

In Delaware, minimum car insurance requirements are as follows:

Mandatory insurance

Property damage liability coverage: $10,000

Bodily injury liability coverage: $25,000 per person and $50,000 per accident

Personal injury protection coverage: $15,000 per person and $30,000 per accident

Rejectable in writing

Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident

Uninsured motorist property damage coverage: $10,000 per accident

Average Costs

State Average Costs by Age and Gender (Full Coverage)

As with other states, in Delaware, the average cost of auto insurance varies according to age and gender, with  relatively higher insurance cost for younger or female drivers. Below is an overview of what prices to expect for full auto insurance coverage.

Age Group Average Price for Men Average Price for Women
20-30 $2251 $2379
30-40 $1853 $2032
40-50 $1838 $1953
50-60 $1734 $1802

 

Cost of Car Insurance by Top Cities (Full Coverage)

Presented below is a table of the car insurance quotes in Delaware for the state’s top cities for a single male driver in their late 20s. Unsurprisingly, the prices for top cities tend to be higher than  the state average.

City Average Rate
Wilmington $3131
Dover $2340
Newark $2782
Middletown $2767

  

How to Reduce the Cost of Auto Insurance in Delaware?

Delaware auto insurance rates are  generally much higher than the state average, but there are plenty of ways you can keep the cost down. Below are some helpful recommendations:

Shop Around

Prices can greatly vary between auto insurance providers. Shop around and compare quotes from different companies. Be sure to only stick to reputable options and carefully read the fine print of the policies to avoid any unwelcome headaches later.  

Request Higher Deductibles

Deductibles are what you pay out of pocket before the insurance provider bears the rest of the expense in a claim. Opting for a higher deductible generally translates to a much-reduced cost in your insurance premiums.

Maintain a Good Credit Score

Maintaining a good credit score goes beyond just qualifying you for better loan terms; it can also help you save up on your insurance costs. Insurance companies see people with a good credit score as responsible drivers and are willing to charge them a lower fee.  

Choose Your Car Type Wisely

The type of car you purchase can have an impact on your insurance premiums. The car’s price, repair costs, overall safety record, and the likelihood of its theft are factors that insurance companies consider when assessing what fees to charge.

Search for Discounts

In Delaware, auto insurance discounts are given by companies to policyholders for various reasons, including:

  •         Installing anti-theft devices
  •         Passing a Defensive Driving Course
  •         Passing a Driver’s Ed course
  •         Having no accident or violation in 3 years
  •         Being a student driver with good grades
  •         Having a car with low mileage

Look for Bundles

You can greatly save up on your auto insurance costs if you opt to bundle it with other insurance policies from the same companies (e.g., your home insurance and liability insurance).

Delaware Auto insurance – Traffic Rules and Penalties

Delaware auto insurance laws make it a criminal offense to operate any motor vehicle without a minimum liability auto insurance. Without a valid insurance,  following penalties may apply:

Fines of up to $2,000 for the first-time offense

Fines of up to $4,000 for a second-time offense

Having one’s driving privileges suspended for 6 months

What car insurance discounts are available in Delaware?

As with most other states, car insurance companies provide a wide range of policy discounts, including, but not limited to, the following:

Discount Type Details Potential Savings
Good Driver Have a clean record and no claims history 10% to 30%
Continuous Insurance  Being continuously insured for 6 months or more 5% to 25%
Policy Bundling Insuring multiple vehicles or getting different policy types from the same company Up to 25%
Safety Features Cars with features like multiple airbags, anti-lock brakes, and daytime running lights Up to 30%
Billings and Payments Paying your policy in full, setting up an automatic payment, going paperless and more Up to 25%

 

Customer loyalty rewards are not available in Delaware due to state laws preventing insurance companies from adjusting rates based on the likelihood of a customer will not switch providers.

Best Car insurance Companies in Delaware

Company Provisions & Coverages Ratings Discounts Car Insurance Costs for Different Use Case 
Erie

 

Average Yearly Price: $1745

 

Cost for minimum coverage: $824

 

Best for:  young drivers  

Standard

 

Collision and comprehensive

 

Roadside assistance

 

Diminishing deductible

New car protection

 

First Accident Forgiveness

 

Better car protection

 

Ridesharing

 

Coverage for non-owned vehicles 

 

 

A.M Best Rating (A+)

 

JD Power Rating (850)

 

 

Multi-policy

Safe features discounts

‘Youthful’ under 21 discounts

Vehicle Storage discount

Diminishing deductible discount 

Lump sum annual premium payment discount

Drivers with DUI: $

 

Drivers with an At-Fault Accident: $

 

Speeding Drivers: $

 

Young Drivers: S

 

Insurance cost for good, average, and bad credit:

 

GEICO

 

Average Yearly Price: $1861

 

Cost for minimum coverage: $884

 

 

Best for:  government employees

Standard

 

Collision and comprehensive

 

Roadside assistance

 

Rental reimbursement

Coverage for non-owned vehicles

 

A.M Best Rating (A++)

 

JD Power Rating (841)

 

Multi-policy

Senior driver discounts

Military discounts

Student driver discounts

Federal Employee driver discounts

Good driver discounts

[Qualifying] Organization Member’s discount

Drivers with DUI: $

 

Drivers with an At-Fault Accident: $

 

Speeding Drivers: $

 

Young Drivers:

 

Insurance cost for good, average, and bad credit:

 

Nationwide

 

Average Yearly Price: $2693

 

Cost for minimum coverage: $1532

 

Best for: drivers with low coverage

Standard

 

Collision and comprehensive

 

Roadside assistance

 

Diminishing deductible

 

First Accident Forgiveness

 

Rental reimbursement

Gap coverage

 

Total loss deductibles

Towing and labor coverage

Coverage for non-owned vehicles

 

 

A.M Best Rating (A+)

 

JD Power Rating (835)

Multi-policy

Smart [Usage based] discounts

Safe features discounts

Diminishing deductible discount 

Automatic payment discount

Student driver discounts

Good driver discounts

[Qualifying] Organization Member’s discount

‘Paperless’ discount

 

 

Drivers with DUI: $

 

Drivers with an At-Fault Accident: $

 

Speeding Drivers: $

 

Young Drivers:

 

Insurance cost for good, average, and bad credit:

 

USAA

 

Average Yearly Price: $983

 

Cost for minimum coverage: $766

 

 

Best for: military personnel or veterans 

Standard

 

Collision and comprehensive

 

Roadside assistance

 

First Accident Forgiveness

 

Coverage for non-owned vehicles

 

Rental reimbursement

Extended Benefit coverage

A.M Best Rating (A++)

 

JD Power Rating (891)

Multi-policy

Safe features discounts

Student driver discounts

Good driver discounts

Family discount

New vehicle discount

Multi-vehicle discount

Military installation discount

 

Drivers with DUI: $

 

Drivers with an At-Fault Accident: $

 

Speeding Drivers: $

 

Young Drivers:

 

Insurance cost for good, average, and bad credit:

 

State Farm

 

Average Yearly Price: $2014

 

Cost for minimum coverage: $1201

 

Best for: families

Standard

 

Collision and comprehensive

 

Roadside assistance

 

Better car protection (including classics)

 

Ridesharing

 

Rental reimbursement

Coverage for non-owned vehicles

A.M Best Rating (A++)

 

JD Power Rating (855)

 

Multi-policy

Safe features discounts

Teen driver discount

Good driver discounts

Student discounts

Multi-vehicle discount

Drivers with DUI: $

 

Drivers with an At-Fault Accident: $

 

Speeding Drivers: $

 

Young Drivers:

 

Insurance cost for good, average, and bad credit:

 

Travelers

 

Average Yearly Price: $2654

 

Cost for minimum coverage: $1500

 

 

Best for: families

Standard

 

Collision and comprehensive

 

Roadside assistance

 

New car protection

 

Accident Forgiveness

 

Ridesharing

 

Lease/Loan gap coverage

 

Rental reimbursement

Coverage for non-owned vehicles

A.M Best Rating (A++)

 

JD Power Rating (836)

Multi-policy

Safe features discounts

Teen driver discount

Good driver discounts

Student discounts

New vehicle discount

Multi-vehicle discount

Hybrid/Electric Vehicle discount

Lump sum annual premium payment discount

Homeownership discount

[Qualifying] Organization Member’s discount

 

Drivers with DUI: $

 

Drivers with an At-Fault Accident: $

 

Speeding Drivers: $

 

Young Drivers:

 

Insurance cost for good, average, and bad credit:

 

Progressive

 

Average Yearly Price: $2664

 

Cost for minimum coverage: $1413

 

 

Best for: young and senior drivers

Standard

 

Collision and comprehensive

 

Roadside assistance

 

Diminishing deductible

New car protection

 

 

Diminishing deductible

Ridesharing

 

Lease/Loan gap coverage

 

Rental reimbursement

Custom parts and equipment (CPE) coverage

Coverage for non-owned vehicles

 

 

A.M Best Rating (A+)

 

JD Power Rating (823)

Multi-policy

Safe features discounts

Teen driver discount

Good driver discounts

Student discounts

New vehicle discount

Multi-vehicle discount

Lump sum annual premium payment discount

Homeownership discount

[Qualifying] Organization Member’s discount

‘Paperless’ discount

Automatic payment discount

 

 

Drivers with DUI: $

 

Drivers with an At-Fault Accident: $

 

Speeding Drivers: $

 

Young Drivers:

 

Insurance cost for good, average, and bad credit:

 

Allstate

 

Average Yearly Price: $4853

 

Cost for minimum coverage: $2098

 

 

Best for: drivers with low coverage

 

Standard

 

Collision and comprehensive

 

Roadside assistance

 

Sound system coverage

 

Ridesharing

 

Better car insurance

 

Rental reimbursement

Coverage for non-owned vehicles

A.M Best Rating (A+)

 

JD Power Rating (819)

Multi-policy

Safe features discounts

Good driver discounts

Student discounts

New vehicle discount

Lump sum annual premium payment discount

‘Paperless’ discount

Automatic payment discount

Drivers with DUI: $

 

Drivers with an At-Fault Accident: $

 

Speeding Drivers: $

 

Young Drivers:

 

Insurance cost for good, average, and bad credit:

 

 

Detailed Reviews

Erie 

Although a relatively small player in the auto insurance sector, thanks to its very competitive fees and a whole host of added perks, it still ranks among the best car insurance companies in Delaware. Its most notable highlight is the ability to lock your rates indefinitely, meaning there won’t be any surprises on your car insurance bill.

GEICO

GEICO car insurance in Delaware is one of the state’s largest auto insurance providers, commanding about 18.81% [CH2] of the market share. Its rates are quite competitive but what makes the company stand out is its broad portfolio of insurance products, allowing you to bundle your coverages and take advantage of greatly reduced fees.  

Nationwide

Like GEICO, Nationwide is another major auto insurance provider in Delaware, offering an extensive selection of insurance products.

USAA

USAA offers insurance services to individuals and families who serve or served in the United States Armed Forces. Their rates are typically among the cheapest, but that doesn’t mean that it compromises service quality. Overall, if you are a member of the armed forces, this typically can be your best auto insurance in Delaware State.

State Farm

Enjoying 22.75% of the share in Delaware’s car insurance market, this insurance provider’s success partly stems from its exceptional customer service. State Farm provides each of its insured with a dedicated agent to help with claims. To better appeal to the younger demography, it also has a highly robust and user-friendly mobile app.

Travelers

Travelers is another insurance provider known for its commitment to excellent customer service. When it comes to their insurance policies, they go the extra mile in terms of perks and benefits to provide more value for the money.  

Progressive

Progressive is one of the largest insurance providers in the US. It has expanded its operations to other countries as well. Unsurprisingly, Progressive car insurance in Delaware is one of the bigger players in the state, commanding 10.44% of its market share. Its strength lies in its diverse range of comprehensive options and a wide variety of savings.

Allstate

Despite being a major player overall in the country, Allstate has a surprisingly small stake in Delaware. Nonetheless, their service is good, and you can find range of insurance options and discounts to be quite welcoming.

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

Why is Delaware car insurance so high?

The high cost of car insurance in the Diamond State is  largely attributed to its small size and high population density. This translates to, on average, a higher likelihood of accidents compared to most other states. Generally, the high labor cost contributes to higher insurance fees, both directly in operating expenses and indirectly in costly repair prices.

Who has the cheapest auto insurance in Delaware?

Progressive Auto Insurance and USAA are considered  among the cheapest options in Delaware. However, it should be noted that their rates might be different for every individual depending on various factors, so it is best to compare their quotes to find which one would be the cheaper option for you.

Is Delaware a No-Fault State?

A No-Fault State is one where everyone must  file a claim with their own insurance, regardless of who is at fault. Delaware isn’t technically a No-Fault State, but it does have some elements of it. The state has a form of no-fault auto insurance called Personal Injury Protection (PIP), which pays for lost bills and lost wages only in the case of a car accident.

What are the best auto insurances in Delaware?

According to the latest study conducted by the J.D Powers on customer satisfaction, the following auto insurance providers scored the highest in the state:

  •         USAA (890)
  •         State Farm (855)
  •         Erie Insurance (850)
  •         GEICO (841)