Auto Insurance in Delaware
Delaware’s auto insurance rates are on the higher side — on average $2,689 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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While Delaware is the second-smallest U.S. state, it has a high population density. Its three counties—New Castle, Kent, and Sussex—were all founded in 1682. The state’s population centers include Wilmington, Newark, and Dover. Your proximity to the Atlantic Ocean, the Delmarva Peninsula, Maryland, New Jersey, and Pennsylvania may affect your coverage options.
State law mandates basic liability and personal injury protection coverage. While comprehensive coverage is not required, it may help you repair should your car face Delaware’s occasional strong winds, coastal flooding, flooding from heavy rainfall, and tornadoes. In the winter, snow and ice are common and increase the risk of auto accidents as well.
Delaware Minimum Liability
Delaware’s minimum liability coverage is relatively low compared with the recommended minimum coverage of 50/100/50. These figures mean you have $50,000 per-person coverage, $100,000 per-accident/bodily injury coverage, and $50,000 in coverage for property damage. Delaware, on the other hand, is a 10/25/5 state. Furthermore, while 50/100/50 is recommended for minimal coverage, the ideal coverage is 100/300/100. In this respect, Delaware minimums lag far behind.
In 2013, the average bodily injury claim was $15,443. While Delaware’s minimum coverage requirements accommodate this, the figure is only an average. This means that half of claims are more expensive than $15,443, and, if you hit your coverage limit, the rest comes out of your pocket. You could end up owing tens of thousands of dollars, or even hundreds of thousands.
To ensure you get the best coverage at optimal rates, get quotes from multiple auto insurance companies. Look at each company’s coverage levels and rates. Because no insurer views your profile exactly the same, some insurers offer considerably cheaper quotes for the same coverage levels. You’ll have to invest some time in comparison shopping, but the savings are worthwhile.
Cheapest Car Insurance in Delaware
- $5,996Liberty Mutual
- $2,165State Farm
If you want the cheapest auto insurance, then one of the companies listed here is your best choice. In our analysis, these insurers regularly offered the most affordable Delaware insurance rates.
Low monthly premiums are one obvious benefit to choosing one of these companies, but there are a few disadvantages to keep in mind. You may sacrifice a bit on customer service and efficient claims handling. However, if such factors don’t bother you—or if you drive infrequently—look into one of the cheap insurers listed here.
Most Popular Companies by Marketshare
- Liberty Mutual
- State Farm
The insurers listed here are the most popular in Delaware, and part of that is because they tailor their programs to the specific needs of drivers in the state. However, popular does not always mean best. These insurers have big budgets for advertising to make them recognizable in Delaware. This doesn’t mean the companies offer the best coverage and the most affordable rates, or that they necessarily offer the worst coverage and worst rates, either.
It’s never a bad idea to obtain quotes from these companies, but remember to compare them to other, lesser-known insurers to make sure you’re headed for a good deal.
Choosing the Best Car Insurance in Delaware
When you shop around for auto insurance, you’re looking for a company you can stay with a long time, perhaps for the rest of your life. The top-rated companies listed here have a tradition of offering reliable protection over an extended period, so getting quotes from them is a good starting point.
When you are determining the best insurance company in Delaware, you should consider criteria such as premiums, customer service, coverage levels, claim management, and discounts.
Where is car insurance most affordable?
The car insurance rate you pay depends on where you live as well as several other factors.
Delaware drivers face premiums that are more expensive than those in many other states, but car insurance in Wilmington matches the state average.
Rates in other parts of Delaware vary considerably, so if you live outside of the Wilmington area, you’ll need to get quotes from several insurers to see how they compare to the state and national average.
Wilmington Auto Insurance
With a population of nearly 73,000, Wilmington—in the northern part of Delaware—is situated across the Delaware River from New Jersey. While Delaware Transit provides public transportation in the area and regional rail connects commuters to Philadelphia, and other cities, cars are a primary means of transportation for residents of the Wilmington area. Interstate 95 bisects the city into two halves, and interstates 495 and 295 are nearby. You need satisfactory protection for your vehicle, and depending on your driving history, your rates could be higher or lower than the city average.
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