Cheapest Auto Insurance in Delaware (2025)

Although it’s the second-smallest state in land area, Delaware is among the most densely populated states in the U.S., which likely contributes to its higher car insurance costs.

Delaware drivers pay an overall average of $202 per month for their car insurance coverage, compared to the national average cost of $143.

Here’s what you need to know about finding affordable car insurance in the First State.

3 of the cheapest car insurance companies in Delaware

Insurance companies offer various coverage options and rates depending on factors like your driving record, vehicle type, and ZIP code. This is why it’s important to compare quotes from different insurers and find the best coverage that suits your needs.

You can start your search by reviewing three of the cheapest companies in Delaware below.

State Farm

GEICO

USAA

How to get the cheapest car insurance in Delaware

Your auto insurance quotes come from careful consideration of many factors, such as your driving record, age and experience, vehicle type, location, and insurance history. Although some of these factors are out of your control, you can still find ways to lower your coverage costs.

Here’s how to save on car insurance rates in Delaware:

• Practice safe driving. Maintain a clean driving record by following traffic laws and avoiding accidents or violations.

• Choose a higher deductible. Consider raising your collision and comprehensive deductible, which can lower your premiums but also increases your out-of-pocket expenses in the event of a claim.

• Ask about discounts. Explore discounts that insurance companies may offer, such as bundling discounts, good student discounts, or safe driver discounts.

• Consider a usage-based program. Take advantage of telematics programs that track your driving behavior to potentially qualify for additional discounts. But be aware some insurers may increase your rates if their telematics detects poor driving habits.

• Compare car insurance companies. Car insurance is a competitive market. By comparing quotes from multiple insurance companies, you increase your chances of finding the best rates.

Cheapest liability-only car insurance quotes in Delaware: CSAA

Liability-only car insurance provides financial protection for damages, such as medical expenses you may cause to others in an accident. It doesn’t cover any damages to your vehicle. 

Delaware law requires drivers to carry liability-only car insurance at a minimum. It’s more affordable, but consider your needs and the value of your vehicle before buying it. Buying only the minimum required amount of liability insurance may not provide you with adequate financial protection in case of an at-fault accident.

Delaware drivers pay an average of $165 per month for liability coverage.

The following table shows the lowest liability rates from top insurers offering coverage in Delaware.

Cheapest full-coverage car insurance quotes in Delaware: CSAA

In addition to liability coverage, full-coverage auto insurance covers comprehensive and collision damage to your vehicle. If you have a newer or more expensive car, it can pay for repairs or replacement. Full coverage is smart if you rely on your vehicle for daily commuting — it protects against car accidents, theft, vandalism, falling objects, and natural disasters.

The average monthly cost of full coverage in Delaware is $238, but you may find lower rates from some of the insurance companies in the table below.

Car insurance requirements in Delaware

Delaware drivers must meet specific insurance requirements, including liability coverage and personal injury protection. Because it’s a “fault” state, the person responsible for causing the car accident is responsible for covering the damages — you’ll want an insurance company to step in to cover the cost of these losses.3

Here are the minimum requirements in Delaware:4

Besides increasing your coverage limits, you can purchase additional optional coverages:

Cheapest car insurance in Delaware by driving record

Driving infractions like speeding tickets, at-fault accidents, driving under the influence (DUI), and other moving violations can hurt your driving record and car insurance costs. After an incident, insurers consider you a high-risk driver and typically raise premiums to offset the potential cost of covering future claims.

For example, Delaware drivers with a clean driving record pay a monthly average of $165 for liability insurance, while drivers with an incident on their record pay an average of $206 per month for liability-only coverage.

The table below shows how liability insurance rates vary by driving incident.

Delaware car insurance FAQs