Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Read about our editorial standards here.
Compare Car Insurance Quotes in Delaware
Jerry is a free app trusted by 5,357 Delaware drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average Delaware car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $381 a month for full coverage. But in Delaware, Jerry drivers pay:
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$101 to $172 per month for state-mandated minimum coverage.
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$212 to $388 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 $1,291 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
Delaware’s proximity to the Atlantic coast means homeowners face risks from hurricanes, flooding and nor’easters, particularly in the southern part of the state. Bundling home and auto insurance is one of the simplest ways to keep those premiums manageable.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Delaware drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Delaware, shopping around helps you find the right fit.
That matters in Delaware, where rates tend to run higher than you’d expect for such a small state. Wilmington’s urban density pushes premiums up, while drivers in the beach communities and southern part of the state see different patterns. With a limited number of carriers writing policies here, comparing what’s available matters even more. Jerry works with Delaware drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
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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$10,000 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, but a major accident would easily surpass these limits. If you want to better protect yourself, your car and your assets, 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, so Jerry recommends buying uninsured/underinsured motorist (UIM) coverage for even greater peace of mind and financial protection.
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Coverage definitions
Factors affecting Delaware car insurance rates in 2026
Coastal storms and flooding
Delaware’s coast means nor’easters, tropical systems and flooding are part of life. We recommend keeping comprehensive coverage, even on an older car, because that’s what pays for storm and flood damage, and it adds up fast in a small state with a lot of low-lying ground.
I-95 corridor traffic
Congestion on I-95 and around Wilmington and Newark drives up crash odds and claim frequency across the state. Drive defensively during peak hours and consider a telematics program, like Jerry DriveShield, so your safer habits can translate into a lower rate.
Uninsured drivers
Roughly one in ten Delaware drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t pay after a crash.
Modified comparative negligence law
Delaware uses modified comparative negligence, which means you can recover damages as long as you’re less than 50% at fault. But fault still gets argued and delayed. Collision coverage means your car can get repaired without waiting on a drawn-out liability decision.
High repair costs
Labor rates in the mid-Atlantic aren’t cheap, and parts sourcing delays can stretch out the repair timeline. Choose a deductible you can comfortably pay, so your collision and comprehensive coverages are actually usable when you need them.
Theft and break-ins
Street parking and open lots in higher-density areas raise the risk of theft and vandalism. Comprehensive coverage is what pays if your car is stolen or broken into. Take the basics seriously too: lock up, park in well-lit areas and keep valuables out of sight.
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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|---|
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City
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Average monthly cost
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|---|---|
| $281 | |
| $308 | |
| $305 | |
| $224 | |
| $234 | |
| $197 | |
| $246 | |
| $218 |
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.
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.