The Best Delaware Auto Insurance Companies
Delaware’s auto insurance rates are on the higher side — on average $1,241 per year, compared to the nationwide average of $1,009. 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:
It pays to shop around.
Enter your ZIP code to compare rates.
What Does Auto Insurance Cost in Delaware
Average annual rate in Delaware: $1,241
Delaware’s high traffic density and expensive auto repairs put its typical auto insurance premium about $232 above the national average. But don’t worry. You can still score a great deal. Every company weighs your application a little differently, and by setting aside some time to get some quotes, you can find the company that offers you the best deal on the most coverage. Start by reading our reviews of the best auto insurers in Delaware, and then use our quote tool to see what each of them can offer you.
Delaware Minimum Liability
All states require their drivers to carry some liability insurance in case they were to cause an accident. In Delaware, you must have at least:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $10,000 property damage coverage per accident
This is usually written as 25/50/10 coverage. You’re also required to purchase at least $15,000 worth of personal injury protection (PIP). This coverage pays for any medical expenses you incur as the result of a crash, regardless of who is at fault. You can learn more on that below.
It’s always best to purchase more than the minimum coverage if you can. Expenses add up quickly in an accident, and if you don’t have enough insurance, you’ll be left to pay the rest on your own. Say you cause $30,000 worth of property damage. Your state-minimum insurance is only responsible for $10,000, leaving you with the remaining $20,000. But you can avoid all that by purchasing higher coverage limits.
The best way to get a good deal on auto insurance is to compare your options. Each company weighs your application differently, which is why they all give you different quotes. Look into a few of them and play around with the coverage limits until you find the one that offers you the best price on the most coverage. You can start with the five companies listed below.
How We Found the Best Auto Insurance in Delaware
We chose the best auto insurance companies in Delaware using a methodology similar to our national auto insurance review. First, we found the largest companies in the state by market share. Then, we checked with independent ratings agencies like A.M. Best and Moody’s to ensure that the companies were financially strong enough to pay out their claims. Then, it came down to the coverage options, endorsements, and discounts each provider had to offer. We wanted to make sure that they offered adequate protection and opportunities for customization, plus plenty of ways to save. To check our hunches, we looked to the latest customer satisfaction surveys from J.D. Power and Consumer Reports. We also set aside some time to get some quotes and speak to agents ourselves.
Delaware Auto Insurance Reviews
State Farm should be your first stop if you’re looking for a policy with high coverage limits. You can purchase up to 500/500/500, which is the most any insurance company offers. This should be enough to protect you even if you get involved in a serious accident. Unfortunately, while State Farm gives you plenty of options for liability coverage, it doesn’t do the same for deductibles. There are only five options available, ranging from $100 to $2,000, but most people should be able to find something that they’re comfortable with here.
If you’re an Uber or Lyft driver, State Farm is worth a closer look. It’s the only company that offers a ridesharing endorsement, so that you can be adequately protected whether you’re using your car for work or pleasure.
State Farm’s rates are normally pretty affordable, and you may be able to bring them down even further if you qualify for discounts. In addition to the standard multi-policy, protective device and safe driver discounts, State Farm also offers some more unique options, like a new car discount. If you’re willing to put your driving skills to the test, you can also sign up for its Drive Safe & Save program. This monitors your driving through a mobile app and gives you savings for driving responsibly. There’s also the Steer Clear program, only available to drivers under 25, which provides a refresher course on safe driving.
Liberty Mutual offers several endorsements designed to help you save money in the event of an accident. First, there’s vanishing deductible. Every year you go without an accident, your collision deductible will decrease by $100 until it is gone. There’s also accident forgiveness to prevent your rates from going up following your first at-fault accident. Finally, there’s a lifetime repair guarantee when you get your car fixed at one of Liberty Mutual’s approved repair centers. If the repaired parts break, you can bring the car back in and you won’t pay a dime out of pocket.
You may also want to give Liberty Mutual a closer look if you drive a new car. It’s the only company on this list to offer new car replacement, which pays to replace your totaled car with the same make and model. If your car’s more than a year old, you’ll want to check out better car replacement. This pays to replace your totaled car with one that’s a model year newer with 15,000 fewer miles on it.
Liberty Mutual didn’t fare as well as some of the others in the customer satisfaction surveys. While it received good overall scores, its claims handling was a step behind the rest. The process was noted to be pretty smooth and efficient, but not everyone was satisfied with the amount that they received. Every insurer receives these complaints to some extent, but if this concerns you, you may feel more comfortable going with a company like State Farm.
Progressive offers the most endorsements of any company on this list, so it’s perfect if you’re looking to build a custom policy. It’s the only company listed here to offer GAP coverage, which pays off the balance of your lease or loan if your vehicle is totaled in an accident. There’s also pet injury coverage and custom parts coverage, which pays to replace any paint jobs, stereos, or other upgrades you made to your vehicle. Curiously, it’s missing one of the most common endorsements — accident forgiveness. This is available from every other company listed here, so you may want to check with one of them if you’re interested.
Progressive isn’t the right choice if you’re looking for a policy with high coverage limits. The most you can purchase is 250/500/100. The $100,000 maximum property damage liability coverage, in particular, is low compared to the other companies listed here. It will probably still be enough to cover most accidents, but if you’d like to be on the safe side, you may feel more comfortable with State Farm or Nationwide, both of which offer up to $500,000 of property damage liability coverage.
There aren’t many discounts to help you save on your auto insurance, but we found our quote to be pretty affordable anyway. Progressive does offer discounts to homeowners, those who have been continuously insured and those who purchase a policy online. Most insurance companies don’t give you savings for these. There’s also the Snapshot program, which monitors your driving for several months and offers you savings based on how responsible you are.
If you’re looking to purchase auto insurance for your entire family, look no further than Nationwide. Its Family Plan program enables you to share discounts among all members of your family, which comes in especially handy if you have an expensive teen driver on your policy. If you qualify for a safe driving discount, for example, all the other drivers on your policy will get that discount as well.
It’s also a good option if you’re interested in purchasing a lot of liability coverage. It’s the only company besides State Farm to offer 500/500/500 coverage, which should be enough to cover you even in the most severe accidents.
Nationwide gives you nine deductible options to choose from, starting at $100 and going as high as $5,000. So it’s a good choice if you’re looking to lower your premiums by opting for a higher deductible. And if you’re a safe driver, you could see your deductible decrease over time if you sign up for Nationwide’s Vanishing Deductible endorsement. Every year you go without an accident, you’ll receive $100 off of your collision deductible up to a maximum of $500.
Your insurance company pays for any medical bills resulting from a car accident.
Delaware requires its residents to carry at least $15,000 of personal injury protection (PIP). This is usually associated with no-fault states, which limit your ability to sue for damages in an accident. Delaware isn’t a no-fault state, but it borrows some of their ideas when it comes to medical bills.
In most states, the person who caused the crash is held responsible for all medical bills. But when you have PIP, you look to your own insurance company for payment. Because Delaware isn’t a no-fault state, you are free to sue the other driver for things like pain and suffering and auto repair costs. The only catch is you can’t sue them for the reimbursement of expenses that were covered under your PIP, like medical bills or lost wages.
For this reason, it’s important to make sure you purchase enough PIP to ensure that you’re adequately protected even in the event of a serious accident. Your insurance is only responsible for paying up to the limit listed in your policy, and anything over that will be up to you. Going with higher coverage limits will raise your premium slightly, but you’ll be grateful you did if you end up seriously injured in a crash.
Delaware’s high traffic density and expensive auto repairs keep rates high.
Delaware has the eighth highest traffic density in the nation, with over 1.4 million vehicle miles per highway mile driven each year. This is a concern for insurance companies, because with so many drivers on the road, there’s an increased chance of accidents. This is one of the main reasons Delaware’s auto insurance rates are as high as they are.
Another factor is the cost of auto repairs. In Delaware, you can expect to pay $388 for a standard check-engine light fix — the eighth highest rate in the nation. Because repairs are more expensive, insurance companies end up paying out more in the event of a claim, and they need to raise premiums in order to to keep up.
Unfortunately, there’s nothing you can do about either of these things. The best you can do is try to drive cautiously and make sure you purchase adequate protection. Accident forgiveness is a great idea because it stops your rates from going up following your first at-fault accident. This coverage is available from all the companies listed above except Progressive.