Good news for Delaware drivers: Jerry’s latest data show that liability coverage averages just $358 per month in the First State. Over the past year, we’ve helped 2,369 Delawareans find affordable car insurance, and drivers who buy with Jerry save an average of $1,032 each year without giving up the protection they need.
Jerry compares quotes from trusted insurers in Delaware to build your policy and find the best price in minutes.
Save on Delaware insurance with Jerry.
What Delaware drivers are paying right now
Car insurance prices in Delaware change all the time, and rates can vary widely from one driver to the next. Seeing what others pay can help you gauge whether your rate is truly competitive.
Jerry tracks live quotes across Delaware to give you a real-world snapshot of what drivers are paying right now. Here are a few recent examples of drivers who purchased full coverage policies in Delaware through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check rates regularly. In Delaware, small market moves, seasonal shifts and updates to your driver profile can all change what you’ll pay at renewal.
4 smart ways Jerry helps Delaware drivers save on car insurance
If you’re looking to lower your car insurance costs in Delaware, you’re not alone — but the cheapest quote isn’t always the smartest move. The real advantage comes from understanding what actually drives your rate.
Jerry makes that easy by comparing real offers, uncovering hidden discounts, and showing you exactly where you can save without cutting coverage.
Here are our best tips to help you spend less and stress less.
| How to save | Average Delaware driver savings |
|---|---|
| Compare quotes | 38% to 69% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 16% to 71%* |
| Avoid lapses in coverage | 16%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer prices coverage differently, so the same policy can cost hundreds more (or less) depending on who you’re with. Comparing quotes side-by-side with Jerry is the quickest, most effective way to lock in a better rate.
Here’s where Delaware drivers who saved the most often switched last year after comparing rates with Jerry:
| Insurance carrier | Delaware drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location matters, and two drivers in Delaware with the same car and a similar driving record can still pay very different rates. Jerry shows you how those prices compare and helps you find coverage that fits your life and your budget.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
From bundling home and auto to safe-driver rewards, most Delaware drivers qualify for at least a few discounts. But insurers don’t always apply them automatically.
Jerry finds the ones you’re eligible for, so no savings slip through the cracks.
Key takeaway: Discounts often add up to more savings than simply raising deductibles.
Jerry Agent Tip 3: Pick the right deductible
Raising your deductible can lower your premium, but make sure it’s an amount you could comfortably pay out of pocket if you ever need to file a claim.
Here’s what many Jerry drivers choose for their deductibles:
To find the sweet spot with your own deductible:
-
Check your car’s current value (Jerry tracks this for you monthly).
-
Choose a deductible you could realistically afford in an emergency.
-
See how different deductibles options change your rate instantly.
The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.
Jerry Agent Tip 4: Choose telematics for smarter savings
Telematics programs reward safe driving habits with real savings: On average, Jerry drivers who opt in save about 6%. These programs track things like mileage, braking and driving hours to give insurers a clearer picture of your risk (and your good habits).
If you’re looking to balance protection and affordability, tools like Jerry’s DriveShield make it easy. It monitors your driving, scores your performance and automatically shops for lower rates when you qualify. We’ll only share your drive score with insurers if it could earn you a discount, helping you save without sacrificing coverage.
Get personalized car insurance rates now.
How to get better coverage without overpaying
For Delaware drivers, the right mix of coverage can save you money over time while protecting you when it matters most. Here are the coverages Delaware drivers can choose from when shopping for the best policy and rate:
Minimum
$97 – $156/mo
Meets Delaware’s 25/50/10 liability requirements to keep costs low but doesn’t cover damage to your own car.
Full
$152 – $257/mo
Adds collision and comprehensive coverage for your vehicle, which is often required if your car is financed or leased.
Standard
$204 – $391/mo
Includes uninsured motorist and personal injury protection (PIP) coverage, which is especially valuable since roughly 9% of Delaware drivers are uninsured.
Preferred
$236 – $417/mo
Offers higher liability limits, lower deductibles and extras like towing and rental reimbursement for full protection.
Key takeaway: To find the right coverage for you, start with your comfort level around risk and your car’s value. Then let Jerry show you what each option costs in real time.
The cheapest policy in Delaware is liability-only, but a few affordable add-ons can make a big difference when you need them most. Here’s a quick look at what each type of coverage offers.
-
Coverage definitions
Delaware insurance factors at a glance
From coastal storms to I-95 congestion, where and how you drive in Delaware plays a major role in what you pay for car insurance. Here’s what stands out most and how to best stay protected.
Coastal weather
Delaware’s coastal location makes it vulnerable to flooding, tropical storms and nor’easters. Comprehensive coverage is worth keeping, even on older cars, to protect against weather-related damage.
Heavy traffic
Congestion on I-95 and in metro areas like Wilmington and Newark increases accident risk. Safe driving habits and telematics tools like Jerry DriveShield can help lower your costs over time.
Uninsured drivers
Roughly 1 in 10 Delaware drivers are uninsured. Protect yourself by matching your uninsured and underinsured motorist limits to your own liability coverage.
Comparative negligence law
Delaware has a modified comparative negligence rule, so you can recover damages as long as you’re less than 50% at fault. Keeping collision coverage keeps your own car protected, no matter who’s to blame.
Delaware Insurance After a Ticket, Accident or SR-22
Life happens, but Jerry helps make sure one mistake doesn’t define your rates forever.
You can still get a great price even if your driving record isn’t perfect. Jerry works with top insurers that are more flexible about past tickets or claims and automatically re-shops your policy as your record improves.
If you got a ticket
A speeding ticket in Delaware adds two points to your driving record, and if you accumulate 14 points within 24 months, your license could be suspended. That’s not counting other citations like running a red light or failing to yield.
Beyond the points, even a single ticket can raise your insurance rate by 15% to 30%, and that increase can last up to three years. Avoiding citations is the best way to keep your rates low, but if you do get one, taking a defensive driving course can help remove points and reduce your premium.
Once you’re signed up in the Jerry app, we’ll track your driving record and automatically shop for lower rates as soon as your violation clears. That way, you’re not stuck paying more than you should.
The average rate increases we’ve seen for Delaware drivers after a ticket are:
-
Speeding over 15: 30%
-
Failure to obey traffic sign: 30%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
An at-fault crash raises premiums for Delaware drivers by an average of 12%, and those higher rates can stick around for three to five years. Jerry helps you find the best rates right away so you don’t overpay, and automatically re-shops your coverage once the accident drops off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $408 |
| At Fault With No Injury | $410 |
| At Fault With Injury | $427 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
There’s no getting around it: your rates will likely rise after a DUI and stay elevated for about three to five years. On average, Delaware drivers see their premiums jump by about 25% after a DUI conviction.
But that doesn’t mean you have to overpay. Jerry connects you with top insurers that offer fair rates and solid coverage even after a DUI, and automatically re-shops your policy later to help you save as your record improves.
Here are the most competitive carriers for Delaware drivers after a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
|---|---|
| $76 | |
| $206 | |
| $427 | |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Delaware
In Delaware, an SR-22 certificate may be required if you’re convicted of certain violations, experience a lapse in coverage or are involved in an accident while uninsured.
If you need one, just check the SR-22 box in the Jerry app, and we’ll show you only insurers that handle the filing. Some carriers charge a small fee to submit the SR-22 for you, typically around $25 per year.
Car Insurance with Bad Credit
Credit scores can affect insurance rates in Delaware, but that doesn’t mean you’re stuck with higher prices. Maintaining continuous coverage and comparing quotes regularly can help offset the impact, and Jerry makes that process feel effortless.
Average rates in Delaware by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Delaware’s mix of coastal storms, busy highways and dense commuter traffic means there’s no one-size-fits-all insurance plan. The key is finding coverage that fits your life on the road, not just your budget. Jerry makes that simple, matching you with strong, affordable policies tailored to how you actually drive.
Get Delaware coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
