Delaware Car Insurance Rates
Average insurance rates in Delaware for 2019 are $1,592 every 12 months with full coverage. Comprehensive, collision insurance, and liability insurance cost an estimated $354, $646, and $412, respectively. Wilmington, Wilmington Manor, and Brookside average the highest auto insurance rates, and the two most popular companies in Delaware are State Farm and Nationwide.
Average rate for full coverage: $1,592
Premium estimates broken down by individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Car Insurance in Delaware
For the average driver, prices range from the low end price of $486 for liability-only coverage to a high of $3,434 for a driver that may need high-risk insurance.
These differences demonstrate why it is important to get quotes for a targeted area, rather than relying on average rates.
Use the form below to get accurate rates for your location.
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Recommended Companies for Cheap Delaware Insurance
The chart above shows Delaware auto insurance rates for various risks and coverage choices. The lowest rate with discounts is $915. Delaware drivers who use higher $1,000 deductibles will pay $1,364. The average rate for a driver around age 40 using $500 deductibles is $1,592. Choosing low $100 deductibles for comp and collision coverage could cause an increase to $2,032. Drivers with multiple violations and accidents could be charged as much as $3,434. The cost for full coverage insurance for a teenage driver can get as high as $5,852.
Insurance prices in Delaware can also vary considerably based on the type of vehicle you drive, your age and driving habits, and liability limits and deductibles.
Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,500 annually on average for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age
If you like to drive fast or you caused an accident, you may be forking out $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
Where you live in Delaware plays a big part in determining prices for auto insurance rates. Areas with less traffic congestion might see rates around $1,200 a year, while some neighborhoods in Wilmington and Wilmington Manor may see rates upwards of $2,400. Geographically different areas with close proximity in the same city can have large rate differences.
These rate differences demonstrate the importance of getting rates for your specific zip code.
The make and model of vehicle you drive is a primary factor in determining how much you will pay for auto insurance in Delaware. Driving a more affordable and lower-performance model will be cheaper to insure due to lower repair costs and reduced frequency of accidents.
This table shows insurance cost estimates for the best selling vehicles that are insured in Delaware.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Using high physical damage deductibles can save as much as $670 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $371 more each year. View Rates by Deductible or Liability Limit
The company you buy your policy from affects your policy price. Every insurance company sets their own rates, and prices can change depending on individual risk factors.
In Delaware, auto insurance prices range from $857 with USAA to as much as $6,343 with Liberty Mutual. Other companies like Travelers, Nationwide, and Atlantic States generally fall somewhere towards the middle. Those most likely are not the prices you would have to pay, as your location, your driving record, and the vehicle type all factor in.
|Rank||Company||Market Share||Average Rate|
|Get Your Rates Quote Now|
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
With so much variability in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, and rates can be significantly different.
Delaware Auto Insurance Articles
- Cheapest Car Insurance Quotes in Delaware
- How Much Does Car Insurance Cost for Drivers with a Bad Driving Record in Delaware?
- Best Cheap Insurance for a Ford Fusion in Delaware
- Best Cheap Auto Insurance Quotes for Drivers with Accidents in Delaware
- Who Has Cheap Car Insurance Quotes for Good Drivers in Delaware?
- Cheap Insurance for a Toyota Camry in Delaware
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$119|
|5-yr Claim Free||$102|
|Paid in Full/EFT||$75|
Discounts are estimated and may not be available from every company or in every state.