Best and Cheapest Car Insurance in Delaware (10 Most Affordable Companies in 2024)

USAA, Travelers, and Progressive are our top choices for the best and cheapest car insurance in Delaware.

However, these aren't the only best and cheapest car insurance companies in the state. There are a number of companies to choose from, as you can see in the table below.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$23	Military Savings	A++	USAA
	#2	$43	Discount Options	A++	Travelers
	#3	$47	Tight Budgets	A+	Progressive
	#4	$53	Special Discounts	A++	Geico
	#5	$61	Agency Network	B	State Farm
	#6	$68	Discount Availability	A	American Family
	#7	$75	Vanishing Deductible	A+	Nationwide
	#8	$83	Insurance Discounts	A	Farmers
	#9	$108	Drivewise Programs	A+	Allstate
	#10	$259	Add-on Availability	A	Liberty Mutual

Our guide to cheap Delaware insurance will cover everything you need to know about these companies, as well as what coverage you'll need, how to save on insurance, and more. To get affordable Delaware car insurance quotes today, compare rates with our free quote tool.

What You Should Know

• USAA has the cheapest Delaware car insurance for military drivers and veteran drivers
• Non-military and non-veteran drivers will find the cheapest rates at Travelers and Progressive
• The state of Delaware requires all drivers to carry auto insurance on their vehicles

On this page:

• Top Delaware Car Insurance Companies Rates and Discounts
• Cheapest Teen Car Insurance Rates in Delaware
• Cheapest Married Couple Car Insurance Rates in Delaware
• Cheapest Senior Car Insurance rates in Delaware
• Cheapest Cities in Delaware for Car Insurance
• Most Expensive Cities in Delaware for Car Insurance
• Delaware Minimum Car Insurance Coverage and Limits
• How Delaware Car Insurance Companies Calculate Rates
• How to Save on Delaware Car Insurance
• How Clearsurance Ranks Delaware Car Insurance Companies
• Finding the Best and Cheapest Delaware Car Insurance for You

#1 – USAA: Top Pick Overall

Pros

• Military Savings: Delaware military and veterans will find cheap prices at USAA.
• Customer Service Ratings: Ratings are high for USAA, which you can see in our USAA insurance review.
• Bundling Discount: USAA sells home insurance, life insurance, and much more.

Cons

• Eligibility Restrictions: Only Delaware military members, veterans, and their families can buy coverage.
• Limited Local Locations: USAA’s support is offered online, due to limited local offices in Delaware.

#2 – Travelers: Best for Discount Options

Pros

• Discount Options: Travelers has lots of Delaware auto insurance discounts.
• IntelliDrive Program: A discount driver program to help good drivers save on Delaware insurance.
• Coverage Variety: Buy anything from loan gap insurance to rental coverage.

Cons

• IntelliDrive Rate Increases: The program does caution that it raises rates for bad drivers.
• Customer Reviews: Read our Travelers insurance review to see how Travelers could improve its ratings.

#3 – Progressive: Best for Tight Budgets

Pros

• Tight Budgets: Progressive is affordable and offers a budgeting tool for Delaware drivers on a tight budget.
• Snapshot Program: Another saving opportunity for Progressive customers in Delaware.
• Coverage Variety: Delaware customers can choose gap coverage, rental coverage, and much more.

Cons

• Snapshot Rate Increases: The program warns poor driving may increase Delaware rates.
• Customer Reviews: Ratings could be higher, which you can see in our Progressive review.

#4 – Geico: Best for Special Discounts

Pros

• Special Discounts: Geico has special discounts for good students, bundling discounts for getting Geico renters insurance or home insurance with car insurance, and many more.
• User-Friendly: Geico’s app is highly rated for ease-of-use by customers.
• Availability: Geico is sold in every state, so if you move from Delaware, you can keep Geico as a provider.

Cons

• No Local Agents: Services are provided virtually for Delaware customers.
• No Loan/Lease Coverage: Cars with loans or leases can get gap insurance.

#5 – State Farm: Best for Agency Network

Pros

• Agency Network: Delware customer service agents are around the state. Learn about service representatives in our review of State Farm.
• Coverage Options: State Farm has rental coverage and more.
• Discount Variety: Good student, good driver, bundling, and more discounts can be found at State Farm.

Cons

• Online Management Limitations: Agents handle most policy changes and claims.
• A.M. Best Rating: A below average ratings show State Farm needs to improve its finances.

#6 – American Family: Best for Discount Availability

Pros

• Discount Availability: American Family has plenty of available discounts for Delaware drivers.
• Accident Forgiveness: Another way to save money for safe Delaware drivers.
• Add-On Coverages: Roadside assistance, gap coverage, and more are sold.

Cons

• Online Management Limitations: Agents handle most changes to Delaware polices.
• High-Risk Rates: Rates may be expensive at American Family for bad Delaware drivers. Discover more in our American Family review.

#7 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Good driving reduces deductibles at Nationwide.
• Bundling Discounts: Auto insurance can be bought with home or renters coverage. Learn what else Nationwide sells in our Nationwide insurance review.
• SmartMiles Insurance: A great insurance choice for Delaware drivers who don’t often drive.

Cons

• Limited Local Agents: Nationwide may not have agents available in some Delaware areas.
• High-Risk Rates: Bad drivers’ Delaware rates could be high.

#8 – Farmers: Best for Vanishing Deductible

Pros

• Bundling Discount: Save by also buying home insurance from Farmers. Read more in our Farmers review.
• Flexible Payment Options: Payment frequency and method are flexible for Delaware customers.
• Coverage Options: Delaware customers can buy several add-on coverages.

Cons

• Customer Service Ratings: Better ratings could be given from customers.
• Claims Processing: Some customers complain about the processing of Delaware claims.

#9 – Allstate: Best for Drivewise Programs

Pros

• Drivewise Programs: Allstate’s Drivewise programs are free and reward good drivers.
• Pay-Per-Mile Rates: Milewise insurance is great for Delaware customers who have low annual mileages.
• Add-On Coverages: Roadside assistance, rental coverage, gap coverage, and more are sold by Allstate. Learn more in our Allstate review.

Cons

• Claim Reviews: Most complaints regard poor claims handling.
• Teen Driver Rates: Delaware teens will have high Delaware rates.

#10 – Liberty Mutual: Best for Add-On Availability:

Pros

• Add-On Availability: Liberty Mutual has multiple add-on coverage options for Delaware polices.
• Accident Forgiveness: First accidents may not increase Delaware rates.
• Discount Options: Liberty Mutual customers have plenty of saving options for Delaware policies.

Cons

• Customer Reviews: Take a look at the company’s lower ratings in our Liberty Mutual review.
• High-Risk Rates: Have multiple driving infractions on your record? It will make Delaware quotes from the company high.

Top Delaware Car Insurance Companies Rates and Discounts

Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Delaware. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Delaware car insurance companies.

To start, take a look at the average monthly rates for minimum and full coverage at the cheapest Delaware companies.

Insurance Company	Minimum Coverage	Full Coverage
Allstate	$108	$207
American Family	$68	$130
Farmers	$83	$157
Geico	$53	$101
Liberty Mutual	$259	$494
Nationwide	$75	$144
Progressive	$47	$90
State Farm	$61	$116
Travelers	$43	$82
USAA	$23	$43

While full coverage in Delaware is pricey, it provides more financial protection in accidents (Read More: Liability vs. Full Coverage). To reduce full coverage rates, apply discounts from the cheapest companies.

It can be tough to decide which Delaware car insurance company is right for you. You want to choose a company that focuses on its policyholders’ needs with good customer service but how do you find one that does all of that?

We also want to prepare you for what might be required of you as a consumer. You probably already know that drivers with clean driving records have less of a requirement in terms of coverage, but what does that mean for someone who may have a checkered driving past? There are so many variables when it comes to choosing an insurer, that it can become overwhelming to shop for the best auto coverage quotes.

Learn More: What to Consider When Getting Car Insurance Quotes Online

In the tables above, you can sort through all the Delaware car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Delaware car insurance rankings.

Interested in learning more about getting your coverage policy through one of these Delaware car insurance companies? You can visit the company’s profile page to find out what additional coverage types they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

Cheapest Teen Car Insurance Rates in Delaware

While looking for cheap car insurance, you may discover that age has a lot to do with price. And if you have a teen driver in your family, you will also notice that your auto insurance quote for new driver car insurance is going to look a lot different than someone who has older drivers.

The good news here is that there are discounts available for teens who are still students, that can help to offset the minimum coverage they may be required to have. Shopping at the cheapest car insurance companies in Delaware will also help. The table below shows average minimum coverage rates for teens by gender at the cheapest companies.

Insurance Company	Female	Male
Allstate	$161	$455
American Family	$203	$275
Farmers	$403	$424
Geico	$117	$122
Liberty Mutual	$754	$1198
Nationwide	$221	$288
Progressive	$382	$422
State Farm	$183	$237
Travelers	$350	$525
USAA	$87	$102

Among the cheapest auto insurers in Delaware, USAA has the cheapest car insurance rates for teen drivers. Teens who don't qualify for USAA will find the next cheapest rates at Geico.

Cheapest Married Couple Car Insurance Rates in Delaware

The lowest rate for married couples in Delaware is offered by USAA, followed closely by Geico (Read More: Best Car Insurance Companies for Married Couples). If you're not content with what you're paying, double check with your provider to see if they take your marital status into consideration when providing you with your premium.

See the table below for average minimum rates at the cheapest car insurance companies in Delaware.

Insurance Company	Monthly Rates
Allstate	$126
American Family	$86
Farmers	$107
Geico	$53
Liberty Mutual	$377
Nationwide	$97
Progressive	$63
State Farm	$73
Travelers	$52
USAA	$32

USAA has the cheapest rates for married couples, but couples who can't get USAA insurance will also find affordable Delware auto insurance rates at Travelers and Geico.

Cheapest Senior Car Insurance rates in Delaware

An average driver will be on the road nearly every single day, whether it's commuting to work or other reasons. This means that the longer they're driving, the more driving experiences they will have had behind the wheel.

Read More: best Car Insurance For Senior Drivers

Even if a senior driver doesn't have a clean record, they're going to end up paying less than high school or college students. The table below displays minimum coverage rates at the cheapest Delaware companies for senior drivers.

Insurance Company	Female	Male
Allstate	$100	$105
American Family	$62	$63
Farmers	$73	$78
Geico	$45	$51
Liberty Mutual	$259	$259
Nationwide	$69	$69
Progressive	$45	$46
State Farm	$57	$57
Travelers	$42	$41
USAA	$22	$22

For senior drivers in Delaware, USAA offers the cheapest average auto insurance rates when compared with the largest auto insurers in the state. Travelers and Geico are also affordable for senior drivers in Delaware.

Cheapest Cities in Delaware for Car Insurance

Car insurance rates in Delaware vary by the area of the state. In the table below, you can see the top ten cheapest cities in Delaware for car insurance based on average rates for single adults. It will be easier to get cheap car insurance in these cities.

City	Monthly Rates
Selbyville	$114
Ocean View	$114
Rehoboth Beach	$115
Lewes	$115
Fenwick Island	$115
Bethany Beach	$115
Millsboro	$116
Milton	$116
Dagsboro	$116
Frankford	$116

When looking at the average car insurance rates in areas of Delaware, the cheapest area for car insurance is the town of Selbyville. There are many reasons why the average premium will cost more depending on where you live, but it's usually left up to the insurer to determine how they calculate what they charge.

Most Expensive Cities in Delaware for Car Insurance

In addition to your age and marital status, your city within Delaware affects your car insurance rates. The table below displays the top ten most expensive cities in Delaware for car insurance based on average rates for a single adult.

City	Monthly Rates
New Castle	$173
Delaware City	$173
Saint Georges	$164
Wilmington	$160
Yorklyn	$160
Kirkwood	$160
Rockland	$158
Bear	$158
Claymont	$156
Port Penn	$154

New Castle, Delaware is the most expensive Delaware city for auto insurance (Read More: Why is car insurance so expensive?). If you live in New Castle, make sure to shop around for car insurance quotes from the cheapest Delaware companies.

Delaware Minimum Car Insurance Coverage and Limits

Delaware requires its drivers to have liability insurance and personal injury protection (PIP), also known as no-fault insurancecoverage. With these two coverage types, you’ll be protected from damages you cause in an accident, as well as any injuries resulting from an accident for which you’re at fault. Personal injury protection also covers you and your passengers for medical-related costs resulting from an accident, regardless of fault.

Still, it’s important to realize that you’re only covered up to your policy’s limits. We’ve listed the state minimum requirements below, but these wouldn’t be high enough to cover you in a costly accident. You should consider purchasing higher limits to make sure that you have sufficient coverage.

In addition to these required types of coverage, most companies will offer you optional, additional coverage such as collision, comprehensive, uninsured motorist and roadside assistance. You can learn more about these optional coverage types here.

Here is a list of Delaware's minimum coverage requirements for all drivers:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident
• Property Damage Liability: $10,000 per accident
• Personal Injury Protection: $15,000 per person and $30,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

In addition to covering your medical-related expenses resulting from an accident up to your policy’s limits, personal injury protection also will help pay up to $5,000 for funeral expenses resulting from an accident.

Uninsured Drivers in Delaware

Unfortunately uninsured drivers are out there on the road, and they are one of the many reasons why some states have a minimum policy that is required by all drivers. One of the optional types of coverage to consider in Delaware is uninsured motorist coverage, which protects you in the event you are injured in an accident caused by a driver without insurance or a hit-and-run driver.

According to 2015 data from the Insurance Information Institute, 11.4 percent of Delaware drivers don’t have insurance. While your PIP coverage will help offset medical-related costs in the event you are injured in an accident caused by a driver without insurance, uninsured motorist coverage would essentially raise your coverage limits.

How Delaware Car Insurance Companies Calculate Rates

When searching and comparing quotes from the best auto insurance companies in Delaware, it can be frustrating trying to understand how your insurance rates and monthly premiums are calculated.

While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Age, Gender, & Marital Status
• Driving Record & Annual Mileage
• Your Car’s Make, Model, and Year
• Location & Credit Score
• Amount of Car Insurance Coverage

You can control whether you have fair or poor credit, and whether or not you practice safe driving techniques. It's best to always be aware of what companies use to determine rates so that you can make decisions with confidence.

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Learn More: Why did my car and homeowners insurance rates increase?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident.

So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to Save on Delaware Car Insurance

While you never want to sacrifice quality to save a couple of dollars, there are some different hacks to save money on your car insurance rates.

Here are five ways you may be able to lower your car insurance rates:

• Bundle your car insurance with other policies
• Consider raising your deductibles
• Pay your car insurance policy in full
• Try usage-based car insurance
• Shop for better insurance rates

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Delaware car insurance companies.

How Clearsurance Ranks Delaware Car Insurance Companies

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box the same way some companies keep how they tally the cost of their annual premium safe and sound, and unknown. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

Read More: Insurance Claims Rating for Top 10 Largest Car Insurance Companies

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings about claims, customer service, and more.

Finding the Best and Cheapest Delaware Car Insurance for You

Whether you’re buying your coverage direct or you end up going through an agent, understanding the different coverage options that exist is a must if you want to find an affordable rate with a reputable company. That means you're going to have to ask a lot of questions.

Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide for understanding car insurance. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Ready to shop for cheap Delaware car insurance? Enter your ZIP code in our free quote tool to get Delaware auto insurance quotes.