Best & Cheapest Car Insurance in Delaware as Rated by Customers in 2022

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#1
/30
USAA
4.72 ★★★★★
4.72 ★★★★★
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Excellent
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#2
/30
4.55 ★★★★★
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#3
/30
4.23 ★★★★★
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It can be tough to decide which Delaware car insurance company is right for you. You want to choose a company that focuses on its policyholders’ needs with good customer service but how do you find one that does all of that?

We also want to prepare you for what might be required of you as a consumer. You probably already know that drivers with clean driving records have less of a requirement in terms of coverage, but what does that mean for someone who may have a checkered driving past? There are so many variables when it comes to choosing an insurer, that it can become overwhelming to shop for the best auto coverage rates.

Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Delaware. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Delaware car insurance companies.

In the table above, you can sort through all the Delaware car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Delaware car insurance rankings.

Interested in learning more about getting your coverage policy through one of these Delaware car insurance companies? You can visit the company’s profile page to find out what additional coverage types they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Delaware?

While looking for cheap car insurance, you may discover that age has a lot to do with price. And if you have a teen driver in your family, you will also notice that your auto insurance quote is going to look a lot different than someone who has older drivers. The good news here is that there are discounts available for teens who are still students, that can help to offset the minimum coverage they may be required to have.

Among the five largest auto insurers in Delaware, GEICO has the cheapest car insurance rates for teen drivers.

Company Female teen ratesMale teen rates
Allstate Insurance $3,301 $3,856
Geico $2,003 $2,197
Nationwide $3,280 $4,238
Progressive $3,269 $3,409
State Farm Insurance Company $2,639 $3,086

These rates are based on profiles for 18-year-old male and female drivers in Alabama. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Delaware will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Delaware?

The lowest rate for married couples in Delaware is offered by GEICO, followed closely by Progressive. If you're not content with what you're paying, double check with your provider to see if they take your marital status into consideration when providing you with your premium.

See the table below for average rates for the five largest car insurance companies in Delaware.

Company Married couple rates
Allstate Insurance $2,921
Geico $2,027
Nationwide $3,043
Progressive $2,192
State Farm Insurance Company $3,070

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Delaware will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Delaware?

An average driver will be on the road nearly every single day, whether it's commuting to work or other reasons. This means that the longer they're driving, the more driving experiences they will have had behind the wheel. Even if a senior driver doesn't have a clean record, they're going to end up paying less than high school or college students.

For senior drivers in Delaware, Progressive offers the cheapest average auto insurance rates when compared with the largest auto insurers in the state.

Company Female senior ratesMale senior rates
Allstate Insurance $1,998 $2,086
Geico $1,100 $1,201
Nationwide $1,438 $1,422
Progressive $1,096 $1,121
State Farm Insurance Company $1,356 $1,356

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Delaware will differ. Rate data is provided by Quadrant Information Services.

Are there any areas that offer a cheaper cost of insurance in Delaware?

When looking at the average car insurance rates in areas of Delaware, the cheapest area for car insurance is the town of Selbyville. There are many reasons why the average premium will cost more depending on where you live, but it's usually left up to the insurer to determine how they calculate what they charge.

Car insurance rates in Delaware vary by the area of the state. In the table below, you can see the top ten cheapest areas in Delaware for car insurance based on average rates for single adults.

Area Car insurance rates
Selbyville $1,373
Ocean View $1,373
Rehoboth Beach $1,375
Lewes $1,376
Fenwick Island $1,380
Bethany Beach $1,380
Millsboro $1,386
Milton $1,387
Dagsboro $1,387
Frankford $1,391

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Delaware will differ. Rate data is provided by Quadrant Information Services.

Is your location something that determines what you pay for an auto policy?

In addition to your age and marital status, your location within Delaware affects your car insurance rates.

The table below displays the top ten most expensive areas in Delaware for car insurance based on average rates for a single adult.

Area Car insurance rates
New Castle $2,076
Delaware City $2,075
Saint Georges $1,972
Wilmington $1,925
Yorklyn $1,924
Kirkwood $1,923
Rockland $1,901
Bear $1,894
Claymont $1,872
Port Penn $1,848

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Delaware will differ. Rate data is provided by Quadrant Information Services.

Are there policy limits and requirements on how much coverage per person a driver needs in Delaware?

Delaware requires its drivers to have liability insurance and personal injury protection (PIP), also known as no-fault insurance coverage. With these two coverage types, you’ll be protected from damages you cause in an accident, as well as any injuries resulting from an accident for which you’re at fault. Personal injury protection also covers you and your passengers for medical-related costs resulting from an accident, regardless of fault.

Still, it’s important to realize that you’re only covered up to your policy’s limits. We’ve listed the state minimum requirements below, but these wouldn’t be high enough to cover you in a costly accident. You should consider purchasing higher limits to make sure that you have sufficient coverage.

In addition to these required types of coverage, most companies will offer you optional, additional coverage such as collision, comprehensive, uninsured motorist and roadside assistance. You can learn more about these optional coverage types here.

Delaware state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $10,000 per accident

Personal injury protection:

  • Bodily injury — $15,000 per person
  • Bodily injury — $30,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

In addition to covering your medical-related expenses resulting from an accident up to your policy’s limits, personal injury protection also will help pay up to $5,000 for funeral expenses resulting from an accident.

Do people drive while uninsured in Delaware?

Unfortunately uninsured drivers are out there on the road, and they are one of the many reasons why some states have a minimum policy that is required by all drivers. One of the optional types of coverage to consider in Delaware is uninsured motorist coverage, which protects you in the event you are injured in an accident caused by a driver without insurance or a hit-and-run driver.

According to 2015 data from the Insurance Information Institute, 11.4 percent of Delaware drivers don’t have insurance. While your PIP coverage will help offset medical-related costs in the event you are injured in an accident caused by a driver without insurance, uninsured motorist coverage would essentially raise your coverage limits.

What factors will insurance providers use to calculate rates?

When searching and comparing quotes from the best auto insurance companies in Delaware, it can be frustrating trying to understand how your insurance rates and monthly premiums are calculated.

While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

You can control whether you have fair or poor credit, and whether or not you practice safe driving techniques. It's best to always be aware of what companies use to determine rates so that you can make decisions with confidence.

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

Are there ways to lower your average cost?

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Delaware car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How does Clearsurance rate and rank the best companies in Delaware?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box the same way some companies keep how they tally the cost of their annual premium safe and sound, and unknown. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Is there a guide that covers other questions?

Whether you’re buying your coverage direct or you end up going through an agent, understanding the different coverage options that exist is a must if you want to find an affordable rate with a reputable company. That means you're going to have to ask a lot of questions.

Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Frequently Asked Questions

Who offers the cheapest teen car insurance rates in Delaware?

Among the five largest auto insurers in Delaware, Geico has the cheapest car insurance rates for teen drivers.

What company will provide married couples with affordable rates in Delaware?

GEICO and Progressive have the two cheapest car insurance rates for married couples in Delaware.

Who offers the cheapest senior car insurance rates in Delaware?

For senior drivers in Delaware, Progressive offers the cheapest average auto insurance rates when compared with the largest auto insurers in the state.

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