Best Car Insurance In Delaware
Travelers offers the best car insurance in Delaware because it provides many coverage and discount options and offers affordable rates in the state.
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Key Points:
- You can find the best car insurance in Delaware from Travelers, State Farm, USAA, Geico, and Farmers.
- Travelers offers the best rates for minimum and full coverage insurance in Delaware.
- USAA is the best option for military members and their families.
In this guide, we’ll highlight the best Delaware car insurance companies, especially those that have a strong local presence in the First State. Using our review of the industry’s best auto insurance companies, we’ll consider the top car insurance in Delaware for your wallet and your safety.
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What Is The Best Car Insurance Company In Delaware?
Travelers comes out on top as the best car insurance in Delaware according to our analysis. It offers great auto insurance rates that are well below the state average. You can also get perks like new car replacement and accident forgiveness.
Delaware Car Insurance Company Comparison
In order to choose the best car insurance coverage in Delaware, we considered many factors, including availability in the state, cost, and quality of the plan. We also looked into what company has the cheapest car insurance in Delaware.
Below, you can compare our recommendations for Delaware car insurance at a glance.
| Best Delaware Auto Insurance | Our Rating
(Out of 5.0) | Award |
|---|---|---|
| 1. Travelers | 4.6 | Best Coverage Options |
| 2. State Farm | 4.7 | Best Student Discount |
| 3. USAA | 4.5 | Best for Military Members |
| 4. Geico | 4.5 | Best for Basic Coverage |
| 5. Farmers | 4.3 | Best for Classic Cars |
*Not all companies were included in our rate estimates for each state. You may also notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Delaware.
5 Best Car Insurance Companies In Delaware
Now we’ll take a detailed look at our top picks for the best car insurance in Delaware.
#1 Travelers Insurance: Best Coverage Options
Full Coverage Auto Insurance Cost: $1,515 per year or $126 per month
Minimum Liability Auto Insurance Cost: $666 per year or $56 per month
Delaware Customer Service Rating: 822/1,000
Claims Satisfaction Rating: 871/1,000
With Travelers, you can work with local insurance agents for a personalized touch or shop online for an insurance policy. Travelers offers an impressive number of discounts, especially for students and young drivers. It has a variety of auto insurance policies with options for gap insurance, roadside assistance, rental car coverage, new car replacement, and more.
#2 State Farm Insurance: Best Student Discount
Full Coverage Auto Insurance Cost: $1,659 per year or $138 per month
Minimum Liability Auto Insurance Cost: $784 per year or $65 per month
Delaware Customer Service Rating: 843/1,000
Claims Satisfaction Rating: 891/1,000
State Farm car insurance is the largest and one of the most popular car insurance companies in the United States–and with good reason. The provider offers reasonable car insurance rates, rewards programs, several coverage options, and good customer service for Delawareans. State Farm has many discounts, but it stands out with a 25 percent discount for good students.
To learn more about the car insurance provider, check out our review of State Farm auto insurance.
#3 USAA Insurance: Best for Military Members
Full Coverage Auto Insurance Cost: $2,066 per year or $172 per month
Minimum Liability Auto Insurance Cost: $931 per year or $78 per month
Delaware Customer Service Rating: 877/1,000
Claims Satisfaction Rating: 900/1,000
USAA offers insurance to military members and their families in all 50 states. Overall, we found that USAA has affordable car insurance in Delaware with reliable services across the board. It received an A++ from AM Best and topped the charts of several J.D. Power studies in 2023, including the Insurance Shopping Study and Auto Claims Satisfaction Study, though it isn’t officially ranked due to its availability restrictions.
To learn more about the car insurance provider, check out our review of USAA car insurance.
#4 Geico Insurance: Best for Basic Coverage
Full Coverage Auto Insurance Cost: $2,257 per year or $188 per month
Minimum Liability Auto Insurance Cost: $1,152 per year or $96 per month
Delaware Customer Service Rating: 818/1,000
Claims Satisfaction Rating: 871/1,000
One of the largest insurance companies in the U.S., Geico offers 16 discounts depending on your driver profile, including discounts for veterans, good students, federal employees, and good drivers. Geico also offers a usage-based program in its DriveEasy app. This helps good drivers lower their rates for demonstrating good driving habits.
To learn more about the car insurance provider, check out our full review of Geico car insurance.
#5 Farmers: Best for Classic Cars
Full Coverage Auto Insurance Cost: $2,300 per year or $192 per month
Minimum Liability Auto Insurance Cost: $1,026 per year or $86 per month
Delaware Customer Service Rating: 803/1,000
Claims Satisfaction Rating: 878/1,000
A 2022 study by Chrysler Capital considered the amount of car clubs, events, and registered vehicles in each state and named Delaware the best state in the nation for car enthusiasts. Farmers is a good option for car enthusiasts in Delaware. It stands out for providing a wide selection of coverage options with add-ons for car lovers, like protection for customized equipment and guaranteed value coverage, which covers a classic or collector vehicle up to an agreed amount instead of basic market value.
To learn more about the car insurance provider, check out our review of Farmers car insurance.
What Are Delaware’s Auto Insurance Requirements?
The ease of finding high-quality cheap car insurance can vary by state. Federal law doesn’t mandate car insurance laws, but instead, leaves it up to each state to set minimum requirements, financial responsibility laws, and penalties for skimping on the rules. These parameters also affect the cost of monthly premiums.
Delaware is rather straightforward when it comes to car insurance laws. All drivers must have the state minimum of liability coverage and something known as personal injury protection (PIP) insurance.
Here are the details for auto insurance in Delaware, as well as the state-mandated coverage limits:
| Insurance | Required Coverage | Details |
|---|---|---|
| Bodily injury liability insurance (BI) | $25,000
per person and $50,000 per accident | Covers the other driver’s injuries and their passengers’ injuries in an accident you cause |
| Property damage liability insurance (PD) | $10,000 | Covers damage to another person’s property in an accident you cause |
| Personal injury protection (PIP) | $15,000
per person and $30,000 per accident | Covers medical expenses and lost wages for those in your car if you caused the accident, as well as up to $5,000 toward funeral costs |
We like to think of state requirements as a bare minimum. Though you can legally stick with these basics, we always recommend full coverage auto insurance personalized to your needs. These policies often include collision coverage, which covers your vehicle no matter who’s at fault, and comprehensive coverage, which protects your car from environmental damage and theft.
Delaware Is An At-Fault State
Car insurance limits are typically based on whether they apply to a no-fault or at-fault state. Delaware is an at-fault state, the more common of the two. This means the cost of injuries and property damage falls to the person who caused the accident and their own car insurance provider.
What Is The Penalty for Driving Without Insurance in Delaware?
Driving uninsured or underinsured in Delaware can get you a pretty hefty fine and a driver’s license suspension for six months. After the first offense, uninsured motorists pay no less than a $1,500 fine and double this for any remaining offenses.
Delaware Driving Tips And Stats
Though insurance laws are quite straightforward, Delaware car insurance plans are typically more expensive than the national average due to a high number of traffic accidents. According to the Insurance Institute for Highway Safety, there were 136 motor vehicle crash deaths in Delaware in 2022, which amounts to 13.5 deaths per 100,000 people in the state. The national average is 12.9 fatalities per 100,000 people.
If you’re getting ready to move to Delaware, you’ll have a 60-day grace period to get over to the Division of Motor Vehicles (DMV) and switch out your old state license. You also need to register your vehicle within this time, which means you need to purchase new auto insurance or update your details with your current company.
Best Car Insurance In Delaware: Our Take
We recommend finding a car insurance company in Delaware you feel confident about and can call for help without hesitation. With Travelers and State Farm topping our list, Delaware drivers are in good hands with the state’s car insurance options.
We recommend comparing quotes from multiple providers to find the best rates for your driver profile. Rate estimates may vary– even between providers–based on your age, vehicle, location, credit score, and whether you have a clean driving record.
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Best Car Insurance In Delaware: FAQ
Below are a few frequently asked questions about car insurance in Delaware.
What is the cheapest car insurance in Delaware?
Our research shows the cheapest car insurance in Delaware is Travelers. It offers average full coverage rates of $126 per month and minimum coverage rates of $56 per month.
Does Delaware have high car insurance?
Delaware has higher-than-average car insurance. Our rate data shows full coverage costs $2,960 per year in Delaware, while the national average is $1,968.
What is the best and cheapest insurance for a car?
The cheapest coverage is minimum coverage, but we recommend adding comprehensive and collision for a full coverage policy. This will give you the best protection in almost any accident scenario.
How We Rate Auto Insurers
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
- Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.
*Data accurate at time of publication.
