Delaware Car Insurance Rates

Average insurance rates in Delaware for 2018 are $1,626 every 12 months with full coverage. Comprehensive, collision insurance, and liability insurance cost an estimated $362, $662, and $420, 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: $1,626

Premium estimates broken down by individual coverage type:

Comprehensive $362
Collision $662
Liability $420

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 $498 for liability-only coverage to a high of $3,514 for a driver that may need high-risk insurance.

Liability Only $498
Full Coverage $1,626
High Risk $3,514

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.

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

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Delaware car insurance rate comparison chart
Column chart showing Delaware car insurance prices range from $932 to $5,984 for full coverage

The chart above shows Delaware auto insurance rates for various risks and coverage choices. The lowest rate with discounts is $932. Delaware drivers who use higher $1,000 deductibles will pay $1,392. The average rate for a driver around age 40 using $500 deductibles is $1,626. Choosing low $100 deductibles for comp and collision coverage could cause an increase to $2,076. Drivers with multiple violations and accidents could be charged as much as $3,514. The cost for full coverage insurance for a teenage driver can get as high as $5,984.

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 $5,900 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 43% to 130% 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 $1,300 a year, while some neighborhoods in Wilmington and Wilmington Manor may see rates upwards of $2,500. 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.

View Chart as Image

Delaware insurance rates by city

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.

Delaware Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,7185.4%
Dodge Ram$1,7667.9%
Ford Escape$1,354-20.1%
Ford Focus$1,572-3.4%
Ford Fusion$1,7245.7%
Ford F-150$1,528-6.4%
GMC Acadia$1,496-8.7%
GMC Sierra$1,6883.7%
Honda Accord$1,516-7.3%
Honda Civic$1,7788.5%
Honda CR-V$1,316-23.6%
Honda Pilot$1,544-5.3%
Hyundai Sonata$1,6501.5%
Kia Optima$1,6823.3%
Nissan Altima$1,6722.8%
Nissan Rogue$1,6340.5%
Toyota Camry$1,6561.8%
Toyota Corolla$1,620-0.4%
Toyota Prius$1,510-7.7%
Toyota RAV4$1,532-6.1%
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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 $690 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 $378 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.

Delaware Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm23.31%$1,927
2Nationwide15.89%$1,267
3Geico15.20%$1,518
4Liberty Mutual8.40%$6,343
5Progressive7.96%$1,799
6USAA7.16%$857
7Allstate5.88%$2,863
8The Hartford2.88%N/A
9Farmers Insurance2.23%N/A
10Travelers2.01%$1,073
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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

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Rates by Driver Age

Delaware Insurance Rates by Driver Age
Driver AgePremium
16$5,984
20$3,756
30$1,702
40$1,626
50$1,482
60$1,456

Full coverage, $500 deductibles

Rates by Deductible

Delaware Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$2,076
$250$1,866
$500$1,626
$1,000$1,392

Full coverage, driver age 40

Rates by Liability Limit

Delaware Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,626
50/100$1,710
100/300$1,815
250/500$2,088
100 CSL$1,752
300 CSL$1,983
500 CSL$2,151

Full coverage, driver age 40

Rates for High Risk Drivers

Delaware Car Insurance Rates for High Risk Drivers
AgePremium
16$8,548
20$5,964
30$3,598
40$3,514
50$3,348
60$3,318

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.

SR-22 Surcharge $225

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$87
Multi-vehicle$84
Homeowner$23
5-yr Accident Free$122
5-yr Claim Free$105
Paid in Full/EFT$76
Advance Quote$81
Online Quote$116
Total Discounts$694
Rate after discounts $932

Discounts are estimated and may not be available from every company or in every state.

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