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Best & Cheapest Delaware Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4566 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16830 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2055 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7128 customer reviews
rated their claim's experience positively
3.90 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
544 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.18 ★★★★★
277 customer reviews
rated their claim's experience positively
2.20 ★★★★★
132 customer reviews
rated their claim's experience positively
1.78 ★★★★★
56 customer reviews
rated their claim's experience positively

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? 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 one of these Delaware car insurance companies? You can visit the company’s profile page to find out what additional coverages 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?

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

Company Female teen rates Male 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?

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

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 rates Male 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.

10 Cheapest areas in Delaware for car insurance

When looking at the average car insurance rates in areas of Delaware, the cheapest area for car insurance is the town of Selbyville. Car insurance rates in Delaware vary by the area of the state. In the table below, you can see the top 10 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.

10 Most expensive areas in Delaware for car insurance

In addition to your age and marital status, your location within Delaware affects your car insurance rates. The table below displays the top 10 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.

Minimum car insurance coverage and limits 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 coverages, 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 coverages, most companies will offer you optional coverages such as collision, comprehensive, uninsured motorist and roadside assistance. You can learn more about these optional coverages 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.

Delaware’s uninsured motorist percentage

One of the optional coverages 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.

How car insurance rates are calculated in Delaware

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

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.

How to save money on your car insurance in Delaware

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 Clearsurance rates and ranks the best car insurance companies in Delaware

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. 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.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. 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.