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.
To find the best car insurance in Delaware, compare car insurance quotes from multiple insurers.
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 |
| ROOT | $245 | $2,942 |
| Progressive | $253 | $3,033 |
| National General | $269 | $3,227 |
| Dairyland | $272 | $3,269 |
| The General | $375 | $4,496 |
| Bristol West | $392 | $4,705 |
| 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
Shopping for cheap full coverage auto insurance in Delaware involves optimizing your budget while maintaining solid protection. Full coverage typically includes liability, collision and comprehensive — covering things like theft, storms, vandalism or accidents — to cover both your vehicle and damage to others. While you’ll pay more than minimum-required coverage, full coverage is crucial if your car has a high replacement cost. Delaware drivers should compare proposals from different insurers to score comprehensive coverage without overspending.
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
|
|---|---|---|
| Safeco | $130 | $1,560 |
| Gainsco | $211 | $2,529 |
| Aspire Advantage | $255 | $3,059 |
| AAA | $296 | $3,550 |
| ROOT | $353 | $4,241 |
| Progressive | $359 | $4,308 |
| Bristol West | $492 | $5,902 |
| National General | $533 | $6,393 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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 the most recent data from a study by 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 in Delaware often face elevated insurance costs because insurers consider them more likely to make mistakes on the road. Short driving histories and higher accident statistics for this age group contribute to the premium hike. Discounts for driver training or multi-policy bundles can help Delaware youth find lower rates.
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 | $586 | $7,031 |
| 21-24 | $491 | $5,896 |
Cheap minimum coverage in Delaware for a 20-year-old
In Delaware, a 20-year-old may prefer liability-only coverage if they’re focused on affordability over extra protection. Owning an older vehicle means they’re less likely to benefit from collision or comprehensive coverage. Liability insurance ensures they remain legal while trimming unnecessary expenses.
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 | Nissan Sentra | Progressive | $520 | July 15, 2025 |
| 20 | Nissan Altima | Progressive | $330 | July 11, 2025 |
| 20 | Honda Cr-V | Progressive | $402 | July 4, 2025 |
| 20 | Ford Crown | ROOT | $301 | June 8, 2025 |
| 20 | Ford Ecosport | Progressive | $328 | May 15, 2025 |
Cheap full coverage in Delaware for a 20-year-old
A 20-year-old in Delaware might choose full coverage to protect against potential losses from collisions or coastal weather damage. This insurance helps ensure they won't face steep repair bills alone and it also supports peace of mind when commuting or heading out on road trips. For a young driver, it’s a way to safeguard their transportation and financial stability.
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 | Nissan Sentra | Progressive | $925 | July 15, 2025 |
| 20 | Nissan Altima | Progressive | $942 | July 11, 2025 |
| 20 | Honda Cr-V | Progressive | $483 | July 4, 2025 |
| 20 | Jeep Grand Cherokee | Progressive | $568 | June 10, 2025 |
| 20 | Mazda Cx-5 | Progressive | $541 | June 7, 2025 |
| 20 | Ford Ecosport | Progressive | $803 | May 16, 2025 |
| 20 | Honda Accord | Progressive | $514 | April 12, 2025 |
| 20 | Kia Optima | Progressive | $893 | April 11, 2025 |
| 20 | Nissan Sentra | Progressive | $601 | March 10, 2025 |
| 20 | Honda Accord | Progressive | $336 | November 23, 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 | $286 | $3,432 |
| 35-44 | $291 | $3,495 |
| 45-54 | $261 | $3,136 |
Cheapest minimum coverage in Delaware for a 35-year-old
A 35-year-old in Delaware may lean toward liability-only coverage when driving a vehicle that no longer justifies extra protection. With a steady history of safe driving, they can confidently choose simplicity over surplus. This option offers peace of mind without inflating costs and it’s ideal for someone focused on practical, efficient coverage.
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
|
|---|---|---|
| AAA | $149 | $1,782 |
| National General | $155 | $1,862 |
| Progressive | $176 | $2,115 |
| ROOT | $181 | $2,171 |
Cheapest full coverage in Delaware for a 35-year-old
In Delaware, a 35-year-old might opt for full coverage insurance to stay protected on congested roads and from weather related issues. This policy type helps preserve a vehicle’s value while managing repair costs. The extra security can be reassuring, especially for those who commute or travel frequently.
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 | $449 | $5,394 |
| ROOT | $480 | $5,764 |
| National General | $526 | $6,311 |
| Bristol West | $1,088 | $13,052 |
Average car insurance costs for older drivers in Delaware (55+)
Older drivers in Delaware may see their car insurance rates increase due to age-linked health changes that can affect reaction time and focus. Even with decades of experience, insurers consider how those changes may impact performance. That’s why insurance companies make cautious adjustments as drivers get older.
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 | $207 | $2,490 |
| 65+ | $208 | $2,495 |
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
A clean record in Delaware speaks volumes to insurance providers about your commitment to road safety. It shows a pattern of thoughtful decision-making while driving and insurers often use this as a reason to offer improved terms and broader choices.
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 |
| Embark General | $132 | $1,590 |
| Commonwealth Insurance | $137 | $1,645 |
| AAA | $199 | $2,385 |
Cheapest car insurance with a speeding ticket in Delaware
Speeding tickets in Delaware can alter the way insurers view your risk level. These violations show a break from standard safety practices and even a single ticket may impact how your insurance terms are structured.
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
|
|---|---|---|
| Electric | $164 | $1,967 |
| Gainsco | $165 | $1,983 |
| Bristol West | $252 | $3,029 |
| Progressive | $254 | $3,043 |
| ROOT | $259 | $3,114 |
Cheapest car insurance after an at-fault accident with no injury in Delaware
Being responsible for an accident without injury in Delaware still carries insurance implications. Insurers may consider this a warning sign of potential future issues. Even if physical harm wasn’t involved, the incident still reflects your driving behavior. It can lead to less favorable policy adjustments.
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 |
| Aspire Advantage | $173 | $2,081 |
| ROOT | $308 | $3,692 |
| Progressive | $317 | $3,810 |
Cheapest auto insurance after an at-fault accident with injury in Delaware
An accident in Delaware that causes injury while you're at fault is viewed as a high-risk event by insurers. It often involves complex claims and liability concerns and this type of incident can lead to reclassification as a higher-risk driver.
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 | $327 | $3,929 |
| ROOT | $526 | $6,316 |
| Progressive | $536 | $6,433 |
Average auto insurance costs for Delaware drivers with other violations
Violations in Delaware such as ignoring road signals or driving while suspended can erode insurer trust. These behaviors suggest unpredictable or careless decision-making and over time, this perception may result in limited insurance choices. Providers look at the full scope of your record to assess risk.
Below are average car insurance costs in Delaware for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $278 | $3,342 |
| Defective Equipment | $223 | $2,672 |
| Driving on Sus. License | $284 | $3,411 |
| Failure to Obey Traffic Sign | $203 | $2,436 |
| Illegal Turn | $375 | $4,497 |
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
|
|---|---|---|
| Dairyland | $165 | $1,981 |
| Gainsco | $175 | $2,094 |
| The General | $188 | $2,259 |
| ROOT | $334 | $4,007 |
| Progressive | $395 | $4,743 |
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.
Learn 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.
Learn 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 with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
