Average Car Insurance Cost in Delaware (2025)
Drivers in Delaware pay an average of $202 per month for car insurance.
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Delaware drivers pay an average of $165 per month for liability coverage and $238 for full coverage, according to Insurify data. For comparison, the U.S. national average is $103 for liability and $182 for full coverage.
Delaware may have higher average rates due to its high population density and the state’s proximity to the coast, which puts it at higher risk of natural disasters.
Here’s what you should know about finding car insurance in Delaware.
How much is car insurance in Delaware?
Delaware drivers pay an average monthly rate of $202, or $2,419 annually, for car insurance. A minimum-coverage policy costs a monthly average of $165, which works out to an annual rate of $1,979.
Drivers with a full-coverage policy, which includes comprehensive coverage and collision coverage, pay an average monthly rate of $238, or an average annual rate of $2,859.
How Delaware car insurance rates have changed over the past two years
The average yearly price for full-coverage car insurance in Delaware rose to about $3,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Delaware.
See how Delaware car insurance prices have changed over the past two years below.
Average Delaware car insurance rates by city
Car insurance rates differ from city to city based on factors like traffic, population density, and susceptibility to natural disasters.1
In Delaware, Newark drivers tend to pay above-average car insurance rates, at an average monthly rate of $214. The table below highlights average monthly rates for minimum-coverage and full-coverage policies.
Average Delaware car insurance rates by age and gender
Mature drivers with years of driving experience tend to pose less risk to insurance companies. Older drivers typically pay relatively low car insurance rates when compared to younger drivers. Across the nation, teen drivers tend to face the highest insurance costs. This trend holds true in Delaware, with drivers paying lower rates as they age.
For example, a 16-year-old driver in Delaware will pay a higher monthly insurance rate than a 50-year-old. Generally, rates take a worthwhile drop in the right direction for 25-year-olds. But at age 70, rates increase slightly as accident risks are higher for senior drivers.
Statistically speaking, women tend to get into fewer accidents than men. Insurance companies often use this information to offer women lower rates than male drivers. Although this is a general trend across the nation, men and women seem to pay similar rates in Delaware.
The table below highlights the average monthly rate by age and gender for auto insurance in Delaware.
Average cost to insure popular vehicles in Delaware
Some vehicle models are more popular than others. Delaware’s most popular vehicles include the Tesla Model Y, Honda CR-V, Toyota RAV4, Honda Civic, and Jeep Grand Cherokee, according to Edmunds.2
The table below highlights the average monthly full-coverage rates for insurance coverage for the most popular vehicles in the state. Keep in mind that you’ll pay a higher or lower monthly rate based on your unique situation, including whether you opt for minimum-coverage or a full-coverage policy.
How your driving record affects car insurance rates in Delaware
When determining your car insurance rates, insurers usually look at your driving record. People with a history of incidents typically pay more for car insurance than people with a clean driving history. Common incidents associated with high-risk drivers and higher rates include speeding tickets, at-fault car accidents, and driving under the influence (DUI).
For drivers who want to retain the lowest possible rates, driving safely to avoid incidents on your driving record is critical. After an incident, like an at-fault accident, you can expect higher rates.
The table below highlights average full-coverage rates for a sample driver with an incident on their record.
Delaware car insurance companies can consider credit-based insurance scores when determining rates. Generally, drivers with excellent credit pay lower rates for car insurance, while drivers with poor credit pay higher rates.3
The table below shows the average cost of car insurance in Delaware by credit tier.
How to lower your insurance costs in Delaware
You can use the following strategies to find cheap car insurance in Delaware:
Delaware average car insurance cost FAQs
The following answers can help answer your remaining questions about Delaware car insurance.
The average rate for car insurance in Delaware is $2,419 per year. On average, Delaware drivers pay an average annual rate of $1,979 for a liability-only policy and $2,859 for a full-coverage policy.
CSAA offers drivers in the First State the cheapest rates, at an average of $93 per month for a liability-only policy.
For the cheapest coverage, consider purchasing an auto policy that meets the state’s minimum requirements and nothing more.
Delaware drivers pay an average monthly rate of $202 for car insurance. A minimum-coverage policy costs an average of $165. Drivers with a full-coverage policy, which includes comprehensive coverage and collision coverage, pay an average monthly rate of $238.
Rates vary for each driver based on factors like driving history, age, credit history, and more.
Erie Insurance and State Farm offer some of the best car insurance to Delaware drivers. Erie earned top marks in the J.D. Power 2024 U.S. Auto Insurance Study. Both companies have quality coverage options at an affordable average price.
The best way to find the right auto policy for your coverage needs is to compare quotes and coverage options from multiple insurance companies.
Delaware requires all drivers to carry a state-minimum amount of car insurance. Delaware minimum coverage requirements are 25/50/10 for bodily injury liability insurance and property damage liability coverage, as well as 15/30 in personal injury protection (PIP) coverage.5
Although a minimum insurance policy will satisfy the state requirements, it might not offer enough financial protection for your situation. For some drivers, a full-coverage policy offers the more robust insurance coverage they want.
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