Delaware Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Delaware car insurance averages about $241 a month ($2,888 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 3% above the national average in our data. It’s higher than in Maryland and Pennsylvania but lower than in New Jersey. Progressive and State Farm are effectively tied for the lowest full-coverage average among the four major insurers we compared (Allstate, GEICO, Progressive and State Farm), at about $200 and $206 a month.

Delaware car insurance: key numbers

• Full coverage: about $241 a month ($2,888 a year)
• Liability only (15/30/10): about $111 a month
• Lowest-priced insurer: Progressive and State Farm are effectively tied for the lowest full-coverage average among the four major insurers we compared, at about $200 and $206 a month
• Recent price change: −2.0% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: New Castle County (about $274 a month) and Sussex County (about $210)

Where you live matters. New Castle County, home to Wilmington and Newark, costs the most in our data, at about $274 a month for full coverage. Kent County, around Dover, averages $223, and Sussex County costs the least, at $210. Rehoboth Beach, Ocean View and Lewes, near the coast in Sussex County, are the three least expensive of the 33 cities and towns we price. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 46 Delaware ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in Delaware?

On average, full coverage in Delaware costs about $241 a month ($2,888 a year), while liability-only coverage at 15/30/10 limits costs $111 a month. Those limits are below the state minimum of 25/50/10. The figure is for a 40-year-old driver with a clean record and uses rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Delaware averages $2,888 a year, or about $241 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,333 a year ($111 a month), and 50/100/50 liability with comprehensive and collision averages $2,894 ($241 a month).

• Full coverage (100/300/100, $500 deductibles): $2,888 a year ($241 a month)
• 50/100/50 with $500 deductibles: $2,894 a year ($241 a month)
• Liability only (15/30/10): $1,333 a year ($111 a month)
• Wilmington: $3,387 a year ($282 a month) for full coverage
• Newark: $3,205 a year ($267 a month) for full coverage
• Dover: $2,667 a year ($222 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

Allstate is far more expensive than the other insurers here: its full-coverage average of about $417 a month is 2.1 times the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Delaware average would be about $197 a month.

How Delaware Compares With Neighboring States

Delaware’s average is about $44 a month above Maryland’s, $38 below New Jersey’s and $37 above Pennsylvania’s. It’s the 15th-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Delaware: Companies Compared

Looking for cheap car insurance in Delaware? Start with Progressive and State Farm: among these four insurers, they have the best full-coverage rates for our benchmark driver, and among those insurers, GEICO has the best liability-only rates. Travelers*, which we price from published rate studies, comes in lower still, at about $152 a month for full coverage and $69 for liability only. The bullets and table below show all five major insurers we compared and the four marked *.

• Lowest averages among these four insurers, full coverage: Progressive and State Farm, effectively tied at about $200 and $206 a month.
• Next lowest: GEICO at $213.
• Military families: USAA averages about $168 a month statewide, but only for eligible members.
• Lowest liability-only average among these four insurers (15/30/10): GEICO, at about $74 a month, then State Farm at $89. USAA, which sells only to military families, is lower still, at about $60 a month.
• Also on our list: Travelers at about $152 a month, Nationwide at $171, Farmers at $194 and Donegal at $312.
• Most expensive in our data: Allstate, at about $417 a month for full coverage, $2,597 a year more than Progressive.

Progressive and State Farm are effectively tied for the lowest full-coverage average among the insurers in our Delaware rate data that are among insurers anyone can buy from. USAA averages even less, at $168 a month, but it sells only to military members, veterans and their families. The recent statewide Delaware rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight, two put GEICO first, two put Travelers first and four other insurers lead one each, apart from USAA, which sells only to military families. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average among these four insurers, at about $74 a month, followed by State Farm at $89. USAA comes in even lower, at about $60 a month, but it sells only to military families.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.

See What You’d Pay in Delaware

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How Delaware’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Delaware?

Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Delaware ZIP codes, their full-coverage average fell from $3,171 a year nine months earlier to $3,106 in rates as of Aug. 31, 2026, a 2.0% drop. State Farm cut its Delaware average 7.7% and Allstate 1.6%, while Progressive raised its average 1.2%; GEICO’s average was unchanged. USAA is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Delaware average above. Liability-only coverage at 15/30/10 limits fell 2.0%, led by Allstate, which cut its liability-only average 3.8%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Delaware Car Insurance Costs

Delaware’s full-coverage average is the 15th-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• New Castle County. The county averages $274 a month, about $51 more than Kent County and $64 more than Sussex County. The city of New Castle ($293) and Wilmington ($282) are the two most expensive of the 33 Delaware cities and towns in our city table, though our Elsmere guide, priced with Wilmington ZIP code 19805, is slightly higher, at $294.
• PIP on every policy. Every Delaware policy must include personal injury protection of at least $15,000 per person and $30,000 per crash on top of 25/50/10 liability, under 21 Del. C. § 2118, and uninsured motorist coverage comes with it unless you reject it in writing.
• State Farm’s rate cuts. Delaware’s insurance commissioner announced two State Farm auto rate cuts in 2026, averaging 9.7% in March and 2.3% in July. In our data, State Farm’s statewide full-coverage average fell 7.7% over the past nine months, the largest drop of the four insurers we can compare.

Delaware Car Insurance Rates by City

Rehoboth Beach, Ocean View and Lewes, all in Sussex County, are the least expensive of the 33 Delaware cities and towns we price, at about $201 to $203 a month for full coverage. The city of New Castle is the most expensive of the 33 in the table, at $293, followed by Wilmington at $282, Bear at $274 and Claymont at $273. Of the three cities with two or more ZIP codes in our data, Wilmington costs the most and Dover the least, at $222. Six of our city guides cover communities that use Wilmington and Newark mailing addresses, each priced with the ZIP code where the Census Bureau places its center: Pike Creek Valley, Elsmere and Edgemoor (Wilmington) and North Star, Glasgow and Brookside (Newark).

The table lists all 33 Delaware cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Delaware City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Delaware Car Insurance Rates by County

New Castle County, home to Wilmington and Newark, is the most expensive of Delaware’s three counties in our data, at about $274 a month for full coverage. Kent County, around Dover, averages $223, and Sussex County, which includes Georgetown and the beach towns, is the least expensive of the three, at $210.

Does Better Coverage Cost More in Delaware?

Raising liability limits from 50/100/50 to 100/300/100 barely changes the average statewide in our data: with the same $500 deductibles, full coverage averages $2,888 a year and 50/100/50 averages $2,894. Across the five insurers, the change runs from $287 less a year (Allstate) to $175 more (State Farm). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Progressive charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Delaware Car Insurance Rules at a Glance

What Car Insurance Is Required in Delaware?

Auto insurance in Delaware must meet state minimums of $25,000 per person and $50,000 per crash in bodily injury liability and $10,000 in property damage liability (25/50/10), along with personal injury protection of $15,000 per person and $30,000 per crash. Unless you turn it down in writing, every policy includes uninsured motorist coverage.

• Liability: $25,000 per person and $50,000 per crash for bodily injury and $10,000 for property damage, under 21 Del. C. § 2902, or a $60,000 single limit, according to the Department of Insurance.
• Personal injury protection (PIP): at least $15,000 per person and $30,000 per crash, under 21 Del. C. § 2118.
• Uninsured motorist coverage: at least the 25/50/10 liability minimums, for property damage as well as injuries, unless you reject it in writing, under 18 Del. C. § 3902. Insurers must also offer underinsured motorist coverage of up to $100,000 per person and $300,000 per crash.

These limits apply to policies written or renewed since Dec. 13, 2017; before then, the bodily injury minimum was $15,000 per person and $30,000 per crash, according to the Department of Insurance. The liability-only prices on this page use 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage, so they’re lower than the law now requires. State law also describes coverage for damage to your own car, but you can turn it down, so collision and comprehensive coverage are your choice.

What Does Delaware PIP Insurance Cover?

PIP pays for you and your passengers no matter who caused the crash, under 21 Del. C. § 2118: reasonable and necessary medical, hospital, dental, ambulance and nursing bills, lost earnings, the cost of services you’d normally do yourself while you recover, and up to $5,000 in funeral costs. You can choose PIP deductibles or other limits, but every policy must include it. Because it pays regardless of fault, PIP is often called no-fault coverage.

For losses PIP doesn’t cover, the driver who causes a crash is responsible. You can recover damages from the other driver as long as you weren’t more at fault than they were, and your award shrinks by your share of the fault, under 10 Del. C. § 8132.

Proof of Insurance and Penalties in Delaware

Keep your insurance ID card in the car, or show it on your phone if you and your insurer both agree, under § 2118. The state won’t register a vehicle without insurance, and you must turn in your plates to the DMV before you cancel coverage on a registered car.

Driving uninsured brings a fine of $1,500 to $2,000 and a six-month license suspension for a first offense, and a fine of $3,000 to $4,000 for another offense within three years, under § 2118. A registered car without insurance also draws DMV fees of $100 for the first 30 days and $5 a day after that, plus a $50 registration reinstatement fee.

Credit, New Residents and Complaints

Insurers can use a credit-based insurance score when you apply, but they can’t check your credit again at renewal unless you ask, and if your score has improved they must re-rate your policy, under 18 Del. C. § 8304. New residents have 60 days to get a Delaware driver’s license and register their vehicles, according to the DMV.

If you can’t find coverage, the Delaware Automobile Insurance Plan is the market of last resort, according to the Department of Insurance. You can file a complaint with the department online or at 1-800-282-8611 in Delaware.

How to Lower Your Car Insurance Rate in Delaware

1. Quote several insurers. Among the four major insurers we compared in Delaware, the lowest and highest averages are about $217 a month apart for the same driver and car.
2. Compare Progressive and State Farm first. They have the two lowest full-coverage averages among the four major insurers we compared in Delaware, about $200 and $206 a month.
3. Know what your PIP pays. Every Delaware policy includes personal injury protection of at least $15,000 per person, which pays your medical bills, lost wages and up to $5,000 in funeral costs whoever caused the crash, under 21 Del. C. § 2118. You can choose a PIP deductible, but you can’t leave PIP off.
4. Turn in your plates before you cancel. The DMV requires plates back before you cancel insurance on a registered car; otherwise you can owe $100 for the first 30 days uninsured, $5 a day after that and a $50 reinstatement fee.
5. Ask for a re-rate if your credit has improved. Delaware insurers can’t check your credit again at renewal unless you ask, and when you do, they must re-rate your policy using a current credit report, under 18 Del. C. § 8304.
6. Know your repair-shop rights. A law signed Sept. 30, 2026, House Bill 406, bars insurers from making you use a particular repair shop to get a claim paid once it takes effect, according to the governor’s office.
7. Compare at every renewal. Over the past nine months, State Farm has cut its statewide average 7.7% and Allstate 1.6%, while Progressive has raised its average 1.2%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
9. Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Delaware and our home insurance guides for Dover, Newark and Wilmington, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.

Compare Delaware Car Insurance Quotes

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How We Calculated Delaware Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 230 full-coverage premiums from five insurers across 46 Delaware ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Insurer count: our Delaware averages come from five insurers, one of them USAA, which sells only to military families. With few insurers, the averages can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Delaware’s minimum has been 25/50/10 since Dec. 13, 2017, so our liability-only prices use lower limits than the law requires. Every Delaware policy must also include personal injury protection of at least $15,000 per person and $30,000 per crash; the requirements section of this page explains what it pays.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. USAA is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from recent published Delaware rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Delaware law and the Delaware Department of Insurance. We refresh these figures when new rate data is released.

Delaware Car Insurance FAQ