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Cheapest Car Insurance Quotes in Delaware

Enter your Delaware zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 21, 2019

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Finding good, affordable insurance is not most people’s favorite thing to do, and determining which company quotes the most affordable auto insurance rates in Delaware takes even more rate comparisons.

Every insurance provider uses their own formula for determining prices, so we need to take a look at the most affordable auto insurance companies in Delaware. We do need to point out that Delaware auto insurance rates are impacted by many things which can substantially change the price you have to pay for coverage. That is why it is critical to compare rates when trying to find the lowest insurance quotes in Delaware. Prices are influenced by many different factors and change dramatically, so the cheapest option the last time you checked may now be quite expensive.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest Delaware auto insurance companies
Rank Company Cost Per Year
1 USAA $874
2 Travelers $1,094
3 Nationwide $1,280
4 California Casualty $1,293
5 Atlantic States $1,331
6 Titan $1,372
7 GEICO $1,503
8 National Grange Mutual $1,517
9 Donegal Mutual $1,543
10 MetLife $1,676
11 Progressive $1,781
12 State Farm $1,888
13 Encompass $1,969
14 Allstate $2,920
15 Sentry $3,589
16 Liberty Mutual $6,406
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USAA has some of the cheapest car insurance rates in Delaware at around $874 per year. Travelers, Nationwide, California Casualty, and Atlantic States also are some of the lowest-priced Delaware car insurance companies.

In the above rates, if you are a policyholder with California Casualty and switched to USAA, you might achieve savings of roughly $419. Policyholders with Atlantic States could save as much as $457 a year, and Titan customers might see rate reductions of $498 a year.

To find out how your current rates compare, click here to begin a quote or click several companies below for low rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

Remember that these premiums are averages across all drivers and vehicles in Delaware and and are not figured with a price decrease in Delaware. So the insurer that can offer you the lowest price may not even be shown in the list of companies above. That’s why you need to get rate quotes from many companies using your own driver and vehicle profiles.

The vehicle model requiring coverage is a large factor that determines whether or not you can buy the cheapest car insurance quotes in Delaware. Vehicles with economical engines, good safety features, or a low likelihood of liability claims will cost much less to insure than higher performance models. The lists below outlines auto insurance prices for a selection of the most economical automobiles to insure in Delaware.

Car Insurance Rates for Popular Cars in Delaware
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $1,010 $505 $84
Ford Focus SEL 4-Dr Sedan $972 $486 $81
Ford Fusion S 4-Dr Sedan $944 $472 $79
Honda Civic EX 2-Dr Coupe $1,170 $585 $98
Hyundai Elantra Blue 4-Dr Sedan $972 $486 $81
Kia Optima SX $1,076 $538 $90
Toyota Camry Hybrid $1,076 $538 $90
Volkswagen Jetta S 4-Dr Sedan $944 $472 $79
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in specific zip code location which can decrease or increase auto insurance rates considerably.

Insurance Rates for Popular SUVs and Crossovers in Delaware
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
BMW X5 3.0I AWD $1,030 $515 $86
Buick Enclave CX AWD $1,010 $505 $84
Chevrolet Traverse LT 2WD $834 $417 $70
Ford Escape Limited 2WD $816 $408 $68
Ford Explorer XLT 4WD $894 $447 $75
GMC Acadia SL 2WD $874 $437 $73
Honda CR-V LX 2WD $796 $398 $66
Honda Fit Sport $768 $384 $64
Honda Pilot EX-L 4WD $962 $481 $80
Jeep Grand Cherokee Laredo 4WD $944 $472 $79
Kia Sportage EX 4WD 4-Dr $944 $472 $79
Lexus RX 350 2WD $1,146 $573 $96
Toyota Highlander Sport 2WD $962 $481 $80
Toyota RAV4 Sport 2WD $944 $472 $79
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in Delaware location which can modify rates greatly.

Auto Insurance Rates for Popular Pickup Trucks in Delaware
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 2WD $924 $462 $77
Chevrolet Silverado 3500HD LT Crew Cab 4WD $1,208 $604 $101
Chevrolet Silverado Crew Cab Hybrid 2WD $1,060 $530 $88
Dodge Ram 3500 Mega Cab Laramie 4WD $1,406 $703 $117
Dodge Ram Quad Cab Laramie 2WD $1,096 $548 $91
Ford F-150 Lariat King Ranch 4WD $1,030 $515 $86
GMC Sierra 2500HD SLT Extended Cab 2WD $1,126 $563 $94
GMC Sierra 3500HD SLT Crew Cab 2WD $1,098 $549 $92
GMC Sierra SLT Crew Cab 2WD $1,010 $505 $84
Toyota Tundra Regular Cab 4WD $1,028 $514 $86
Get a Custom Quote for Your Truck Go

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in vehicle location which can decrease or increase prices substantially.

One of the more important factors that are used to help calculate car insurance rates is where you choose to live in Delaware. More populated areas like Wilmington, Wilmington Manor, and Edgemoor likely pay more, whereas areas with less congestion have the benefit of cheaper auto insurance prices.

The next table rates the priciest cities in Delaware to buy auto insurance in.

Where does Delaware rank for car insurance cost?
Rank City Average Per Year
1 Wilmington $2,269
2 New Castle $2,205
3 Wilmington Manor $2,191
4 Brookside $2,142
5 Edgemoor $2,098
6 Middletown $2,090
7 Bear $2,021
8 Newark $2,003
9 Claymont $1,987
10 Hockessin $1,981
11 Pike Creek $1,980
12 Elsmere $1,968
13 Smyrna $1,763
14 Dover $1,675
15 Milford $1,667
16 Harrington $1,660
17 Laurel $1,634
18 Highland Acres $1,624
19 Seaford $1,623
20 Camden $1,606
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Price information shown is approximated as the vehicle garaging location can alter rates noticeably.

Does it make sense to buy full coverage?

Finding the cheapest car insurance quotes in Delaware should be important to most drivers, and one easy way to find cheaper insurance is to only buy liability insurance. The illustration below illustrates the difference between premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Delaware. The premiums are based on no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied.

Averaged for all age groups, comprehensive and collision coverage on your policy costs an extra $2,319 per year over liability only. That amount may make you wonder when is the right time to remove full coverage. There isn’t a steadfast formula that works best for making the decision to drop full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s say your vehicle’s replacement value is $10,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $9,500 after the deductible is paid. If you are paying more than $950 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

Buying coverage from the best insurer can be a challenge considering how many different insurance companies sell coverage in Delaware. The ranking data shown next can help you pick which coverage providers to look at putting your business with.

The ratings below include major nationwide insurance companies, so companies that may only write in Delaware are not included in the list. To compare price quotes from these companies and more, click here.

Top 10 Large Auto Insurance Companies in Delaware Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. Titan Insurance

Top 10 Large Auto Insurance Companies in Delaware Ranked by Customer Service

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. Esurance

Low rates today, overpriced tomorrow

Delaware auto insurance rates are impacted by many factors which can significantly increase or decrease the cost of your policy. Turning one year older, having a teen driver, or getting into an accident can trigger price changes that can make some companies cheaper in comparison to the competition. Not only that, but auto insurance companies modify pricing every year in order to offset underwriting gains or losses. Higher than normal claim frequency or severity may cause more expensive premiums, while profitable underwriting may cause cheaper Delaware car insurance rates.

To illustrate this example, the graph below shows a variety of companies that have the cheapest car insurance in Delaware for a 45-year-old female driver with no prior accidents, a clean driving record, and great credit. If we estimate rates based on her current risk profile, USAA may offer the lowest car insurance rates in Delaware at $866 a year. This is $1,139 less than the average premium paid by Delaware drivers of $2,005. Travelers, Nationwide, Atlantic States, and Titan also make the list of the cheapest Delaware auto insurance companies.

The chart below compares rates after we give the driver from the first rate comparison a claim or two, a lower credit score, and a couple of points charged on her driving record. Due to the fact that every auto insurer has their own unique process for determining rates in each state, analyzing rates may result in a significantly different list of the cheapest companies as shown below.

Travelers now has the cheapest car insurance in Delaware with GEICO, National Grange Mutual, Donegal Mutual, and USAA also being competitive. This demonstrates why it is so important to shop around when trying to get the most economical insurance quotes in Delaware. Insurance rates can be determined by many different factors and can change without notice, so the most economical company six months ago may now not even be in the top five.

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