Key Takeaways
- Bristol West, National General and Progressive offer some of the cheapest car insurance in Delaware.
- The average cost of minimum coverage in Delaware is around $200 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Delaware.
You may find cheap car insurance in Delaware from companies like Bristol West, National General and Progressive. These were among the most affordable options in the state, according to real auto insurance quotes for Jerry customers.
Here are more cheap options for minimum and full coverage, plus by age, driving history and low credit score.
Cheap minimum coverage in Delaware
Minimum coverage is the most affordable auto policy you can get. It covers damage you cause if you’re found at fault in an accident, but it doesn’t cover damage to your own car.
Here are the most affordable insurers in Delaware for minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| AAA | $164 | $1,973 |
| Progressive | $228 | $2,739 |
| Safeco | $243 | $2,920 |
| Bristol West | $255 | $3,055 |
| Root | $258 | $3,098 |
| National General | $261 | $3,127 |
| Dairyland | $272 | $3,269 |
| Assurance America | $539 | $6,464 |
| The General | $599 | $7,184 |
| Clearcover | $641 | $7,690 |
Minimum liability car insurance requirements in Delaware
Delaware drivers must carry the following car insurance coverage:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $15,000 in personal injury protection, or PIP, per person.
- $30,000 in PIP per accident.
Cheap full coverage car insurance in Delaware
These are the cheapest car insurance companies in Delaware for full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $211 | $2,529 |
| Progressive | $296 | $3,554 |
| AAA | $299 | $3,584 |
| Dairyland | $336 | $4,038 |
| Root | $355 | $4,263 |
| National General | $455 | $5,466 |
| Assurance America | $478 | $5,732 |
| The General | $820 | $9,844 |
| Bristol West | $955 | $11,456 |
| Safeco | $967 | $11,607 |
Minimum vs. full coverage in Delaware
Minimum coverage in Delaware pays for injuries or property damage you cause to others in a crash, up to the liability limits, but won’t cover damage to your own car. It also pays for your own injuries and lost wages, regardless of fault, up to your PIP limits.
Full coverage includes Delaware’s minimum requirements as well as comprehensive and collision coverages, which pay for damage to your car. Here’s what a full coverage policy typically includes:
- Liability insurance: covers injuries or property damage you cause in an accident up to your policy limits.
- Personal injury protection, or PIP: covers you and your passengers’ injuries, plus any lost wages as a result of an accident, regardless of who was at fault, up to your policy limits.
- Collision coverage: pays for damage to your vehicle from an accident, regardless of who was responsible. This coverage has a deductible.
- Comprehensive coverage: Pays for vehicle damage caused by a non-collision event like weather, animal damage and theft.
If you have a loan or lease on your vehicle, the lender will require
Drivers in Delaware may consider adding uninsured motorist coverage, or UM, to their full coverage policy. It pays for your own injuries or property damage if you’re hit by a driver without any car insurance. Over 18% of Delaware drivers don’t have car insurance, according to a 2023 study from the Insurance Research Council, published by the Insurance Information Institute. Without UM, you’d be required to pay out of pocket for any injuries your PIP won’t cover.
Average car insurance costs for young drivers in Delaware
Young drivers typically pay higher auto insurance rates because they have less experience on the road.
Below are the average costs of car insurance in Delaware for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $512 | $6,150 |
| 21-24 | $468 | $5,618 |
Cheap minimum coverage in Delaware for a 20-year-old
Here are the most affordable insurers in Delaware for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 20 | Honda Accord | Progressive | $391 | April 15, 2025 |
| 20 | Honda Accord | Progressive | $153 | December 3, 2024 |
| 20 | Honda Accord | Progressive | $465 | October 21, 2024 |
| 20 | Nissan Altima | Progressive | $607 | October 12, 2024 |
| 20 | NISSAN ALTIMA | Progressive | $822 | June 17, 2024 |
Cheap full coverage in Delaware for a 20-year-old
Here are the most affordable insurers in Delaware for 20-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 20 | Subaru Impreza | National General | $676 | April 20, 2025 |
| 20 | KIA Optima | Progressive | $893 | April 11, 2025 |
| 20 | FORD ECOSPORT | Progressive | $522 | March 27, 2025 |
| 20 | Nissan Sentra | Progressive | $601 | March 10, 2025 |
| 20 | Jeep Grand Cherokee | National General | $1,442 | September 30, 2024 |
| 20 | BUICK VERANO | Progressive | $520 | June 28, 2024 |
| 20 | FORD ECOSPORT | Progressive | $734 | April 30, 2024 |
| 20 | FORD ECOSPORT | National General | $900 | April 25, 2024 |
Average auto insurance costs for mature drivers in Delaware (25-54)
The average cost of car insurance tends to drop as drivers age and get more driving experience.
Below are the average costs of car insurance for drivers in Delaware between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $271 | $3,253 |
| 35-44 | $271 | $3,249 |
| 45-54 | $245 | $2,944 |
Cheapest minimum coverage in Delaware for a 35-year-old
These are the cheapest car insurance companies in Delaware for 35-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $132 | $1,582 |
| Kemper | $142 | $1,704 |
| AAA | $149 | $1,782 |
| Progressive | $179 | $2,148 |
| Root | $213 | $2,558 |
Cheapest full coverage in Delaware for a 35-year-old
These are the cheapest car insurance companies in Delaware for 35-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $309 | $3,711 |
| Dairyland | $336 | $4,038 |
| Root | $339 | $4,071 |
| National General | $390 | $4,680 |
Average car insurance costs for older drivers in Delaware (55+)
The cost of car insurance can rise again once a driver reaches age 65.
Below are the average costs of car insurance for drivers in Delaware 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $208 | $2,492 |
| 65+ | $235 | $2,815 |
Cheapest car insurance in Delaware by driving history
Your driving record plays a big role in how much you’ll pay for auto insurance. Drivers with clean records typically pay less than those with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Delaware
These are the cheapest car insurance companies in Delaware for drivers with clean driving histories, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| First Acceptance | $74 | $886 |
| Gainsco | $101 | $1,211 |
| Electric | $107 | $1,288 |
| Embark General | $132 | $1,590 |
| Commonwealth Insurance | $137 | $1,645 |
Cheapest car insurance with a speeding ticket in Delaware
These are the cheapest car insurance companies in Delaware for drivers with a speeding ticket, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $134 | $1,611 |
| Electric | $164 | $1,967 |
| Root | $232 | $2,781 |
| Progressive | $255 | $3,061 |
| National General | $292 | $3,500 |
Cheapest car insurance after an at-fault accident with no injury in Delaware
These are the cheapest car insurance companies in Delaware for drivers with an at-fault accident with no injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Electric | $164 | $1,967 |
| Gainsco | $165 | $1,983 |
| Bristol West | $214 | $2,566 |
| Progressive | $270 | $3,238 |
| Root | $309 | $3,709 |
Cheapest auto insurance after an at-fault accident with injury in Delaware
These are the cheapest car insurance companies in Delaware for drivers with an at-fault accident with injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $303 | $3,637 |
| Progressive | $496 | $5,950 |
| Root | $526 | $6,316 |
Average auto insurance costs for Delaware drivers with other violations
Below are average car insurance costs in Delaware for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $232 | $2,783 |
| Defective Equipment | $213 | $2,551 |
| Driving on Sus. License | $257 | $3,083 |
| Eluding Police | $300 | $3,596 |
| Failure to Obey Traffic Sign | $215 | $2,585 |
Cheapest auto insurance for low credit scores in Delaware
Drivers in Delaware with low credit scores typically pay more for car insurance than those with higher scores. These are the cheapest car insurance companies in Delaware for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Kemper | $142 | $1,704 |
| Gainsco | $175 | $2,094 |
| Dairyland | $251 | $3,009 |
| Progressive | $301 | $3,616 |
| National General | $313 | $3,760 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Delaware
Compare car insurance quotes from multiple companies to get the best deal in Delaware. You can also try these tips to save on your policy:
- Ask about discounts.
- Pay your policy in full.
- Install a telematics app on your phone.
- Bundle your home and auto insurance with the same company.
- Improve your credit score.
More: Best car insurance companies
Factors that affect car insurance costs in Delaware
Insurers base rates on various factors, which can include your:
- ZIP code.
- Age and gender.
- Driving record.
- Claims history.
- Marital status.
- Vehicle type.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
