Compare car insurance quotes in Delaware
Jerry is a free app trusted by 5,151 Delaware drivers that compares insurance quotes from top carriers.
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Buy, bundle and switch right in the app.
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Average Delaware car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Delaware, Jerry drivers pay:
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$101 to $175 per month for state-mandated minimum coverage.
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$215 to $395 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped Delawareans save an average of $1,334 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
We make that process simple. Use the Jerry app to compare coverage and finalize your Delaware policy in under 10 minutes. It is free to compare and we never sell your personal info so you don’t have to worry about spam calls. Do it all digitally, or connect with a licensed agent whenever you need expert guidance.
Keep in mind that your insurance cost will depend on things like your car model, how much you drive, and your claims history. Here are some full coverage rates that Jerry drivers in Delaware have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Delaware is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Delaware drivers are paying with Jerry
Delaware is small, but differences in car insurance quotes can be big. That’s why it’s worth checking and comparing a few quotes, whether you’re adjusting your policy, keeping coverage close to what you have or looking for the cheapest car insurance in Delaware.
Rates here often come down to the specifics of where you drive. Wilmington parking and commuter traffic, the I-95 stretch, Route 1 beach traffic and coastal storm risks can all shape what insurers expect by ZIP code. We pull quotes for Delaware drivers every single day, so you can compare carriers with a clearer sense of what’s typical where you live.
Jerry pulls quotes from up to 6 trusted insurers in the First State and puts them side-by-side, making it easier to spot the best match for your coverage and budget.Below, you’ll find a snapshot of recent quotes Jerry pulled for Delaware drivers at multiple coverage levels, including how much each driver saved.
Recent quotes in Delaware
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Delaware car insurance coverage requirements
Delaware drivers have to buy both liability insurance and personal injury protection (PIP) coverage before they can legally drive their car. Minimum coverage requirements in this state include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
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$15,000 in personal injury protection, or PIP, per person.
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$30,000 in PIP per accident.
Of course, this is just the absolute minimum required if you want to get behind the wheel. If you want to better protect yourself, your car and your assets, you might consider increasing your liability coverage limits or buying comprehensive and collision coverage, which many Jerry drivers do. Also keep in mind that nearly 18% of Delaware drivers are uninsured; buying uninsured/underinsured motorist (UIM) coverage gives you even greater peace of mind and financial protection.
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Coverage definitions
Factors affecting Delaware car insurance rates in 2026
Coastal weather
Delaware’s coastal location makes it more vulnerable to flooding, tropical systems, and nor’easters. Comprehensive coverage is often worth keeping, even on older cars, since storm damage can add up fast.
Heavy traffic
Congestion on I-95 plus traffic in and around Wilmington and Newark can raise crash risk and claim frequency. Safe driving helps, and telematics tools like Jerry DriveShield can help good habits translate into lower costs over time.
Uninsured drivers
Roughly 1 in 10 Delaware drivers are uninsured. A smart baseline is to match your uninsured and underinsured motorist limits to your liability limits so you’re covered if the other driver can’t pay.
Modified comparative negligence law
Delaware uses a modified comparative negligence rule, meaning you can recover damages as long as you’re less than 50% at fault. Collision coverage still matters because it helps protect your own car while fault is being determined.
High repair costs and parts delays
Even a minor crash can turn into an expensive claim when labor rates and replacement parts are high. Choosing a deductible you can comfortably pay keeps collision and comprehensive coverage usable when repairs get pricey.
Theft and vandalism risk
In higher-density areas, theft and break-ins can be a factor, especially for vehicles parked on the street or in lots. Comprehensive coverage typically covers theft, and practical steps like locking up, parking in well-lit areas, and not leaving valuables in sight can reduce your risk.
Average cost of car insurance in major Delaware cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $313 | |
| $277 | |
| $310 | |
| $228 | |
| $198 | |
| $235 | |
| $249 | |
| $285 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Delaware quotes in as little as 2 minutes.
Learn more about driving in Delaware
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
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Learn about uninsured motorist coverage and why it matters.
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Discover how to get the best car insurance discounts.
FAQ
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Is Delaware an at-fault state?
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What happens if I drive without insurance in Delaware?
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Does Delaware require uninsured motorist coverage?
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If I let someone else drive my car in Delaware, are they covered?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.