HomepageInsuranceCarThe Best Delaware Auto Insurance Companies of 2021

The Best Delaware Auto Insurance Companies of 2021

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    Car insurance is legally required in Delaware and having the right policy to protect you and your vehicle is important. However, not all car insurance companies are created equal. That’s why we set out to find the best car insurance in Delaware.

    Based on our review, the best car insurance companies in Delaware are Travelers, USAA, Nationwide and Geico. These companies stood out for their affordability, customer support, coverage options, customer satisfaction scores and online resources. Keep reading to learn more about the best auto insurance in Delaware.

    The 4 Best Auto Insurance Companies in Delaware

    Compare The Best Car Insurance Companies in Delaware

    Travelers USAA Nationwide Geico
    Reviews.com Score 4 4.8 3.6 4
    Average Price for State Minimum* $837.04 $666.77 $1,200.88 $868.46
    Average Price for Full Coverage* $1,586.16 $1,628.48 $2,021.88 $2,101.53
    AM Best Financial Strength A++ A++ A+ A++
    J.D. Power Customer Satisfaction** 836 896 826 835

    Information accurate as of June, 2021.
    *Data provided by Coverage.com.
    **J.D. Power 2021 Auto Insurance Satisfaction Study for the Mid-Atlantic region. Based on a 1,000-point scale.

    Travelers

    Best for Discounts

    Why we chose it

    Travelers offers a variety of ways to save money on your car insurance policy, including a few unique options.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $837.04 Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 836 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Travelers offers a variety of ways to save money on your car insurance policy, including a few unique options.

    Pros

    • Variety of discounts
    • Good coverage options
    • Excellent financial strength

    Cons

    • Average customer service ratings
    Read More

    Add-On Coverage

    • Personal injury protection
    • Gap insurance
    • Rental car reimbursement
    • Roadside assistance
    • New car replacement
    • Accident forgiveness
    • Ridesharing

    Available Discounts

    • Multi-policy
    • Multi-car
    • Safe driver
    • Hybrid/electric vehicle
    • New car
    • Early quote
    • Good student
    • Student away at school
    • Driving training course
    • IntelliDrive program
    USAA

    Best for Military Members

    Why we chose it

    USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $666.77* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 896** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.

    Pros

    • Personalized customer service
    • Affordable policies
    • Many discounts

    Cons

    • Only available to active and retired military members
    • Very few branch locations
    Read More

    Add-on Coverage

    • Personal injury protection
    • Extended benefits coverage
    • Roadside assistance
    • Rental car reimbursement
    • Accident forgiveness

    Available Discounts

    • Safe driver
    • Defensive driving course
    • Driver training course
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • Policy bundling
    Nationwide

    Best for Customizable Coverage

    Why we chose it

    With Nationwide, drivers can customize their policy using add-ons and endorsements that fill gaps in coverage.
    • 3.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,200.88* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 823** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    With Nationwide, drivers can customize their policy using add-ons and endorsements that fill gaps in coverage.

    Pros

    • Wide variety of add-on coverage
    • Online tools and resources
    • Many discounts

    Cons

    • Higher-than-average complaints
    • Poor claims handling reviews
    Read More

    Add-on Coverage

    • Personal injury protection
    • Rental car reimbursement
    • Gap coverage
    • Towing and labor
    • Accident forgiveness
    • Roadside assistance
    • Vanishing deductible
    • Total loss waiver

    Available Discounts

    • Multi-policy
    • Anti-theft device
    • SmartRide program
    • Safe driver
    • SmartMiles program
    • AutoPay
    • Accident-free
    • Affinity member group
    • Good student
    • Defensive driving course
    Geico

    Best for Cheap Car Insurance

    Why we chose it

    Geico is known for offering cheap car insurance policies, even for high-risk drivers and drivers with poor credit.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $868.46* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 835** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is known for offering cheap car insurance policies, even for high-risk drivers and drivers with poor credit.

    Pros

    • Very affordable policies
    • Strong financial ratings
    • Good discounts

    Cons

    • Not the best customer service
    • Basic coverage
    Read More

    Add-on Coverage

    • Personal injury protection
    • Roadside assistance
    • Rental car reimbursement
    • Mechanical breakdown coverage

    Available Discounts

    • Vehicle safety features
    • New vehicle
    • Good driver
    • Defensive driving course
    • Good student
    • Emergency deployment
    • Federal employee
    • Employee membership
    • Military
    • Multi-vehicle

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2021 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Delaware

    In Delaware, the average driver pays $1,730 for full coverage car insurance and $839 for minimum coverage insurance. Delaware’s average rate is higher than the United States national average rate, which is $1,555. Extreme weather and uninsured drivers contribute to Delaware’s average insurance price. 

    However, not every Delaware resident pays the same amount for car insurance. Rates are personalized based on factors like ZIP code, age, credit score, claims history, the type of car you drive, the condition of your car, and more. 

    Top 3 Cheapest Car Insurance Companies in Delaware

    CompanyAverage Annual Premium
    USAA$666.77
    Travelers$837.04
    Geico$868.46

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Delaware

    CompanyAverage Annual Premium
    Peaks Property and Casualty Insurance$3,441.61
    State Farm$2,045.13
    Progressive$1,690.74

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Delaware 

    CityAverage Annual Premium*
    Rehoboth Beach$1,042.83
    Lewes$1,050.66
    Mmilton$1,108.32

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Delaware 

    CityAverage Annual Premium*
    New Castle$1,586.18
    Bear$1,513.10
    Wilmington$1,492.75

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Guide to Delaware Car Insurance 

    Purchasing car insurance in Delaware is pretty simple. You can use The Instant Insurance Guide: Auto for a detailed look at buying car insurance in the state. The brochure explains what type of insurance coverage is available, how much coverage you need, how to save money on insurance, what to do after an accident, and much more. There is also information specific to motorcycle insurance.

    Here are some of the key things to know about buying car insurance in Delaware:

    • Liability insurance is legally required in Delaware
    • 11.4% of Delaware drivers are uninsured 
    • Delaware experiences extreme weather, including hurricanes, that can damage vehicles

    Additional car insurance coverage in Delaware

    In addition to basic coverage, many Delaware drivers choose to purchase add-ons, which offer more protection and fill gaps in coverage. Here are some of the most common car insurance add-ons in Delaware:

    • Comprehensive coverage: Comprehensive coverage will pay to repair your car if it gets damaged by flood, fire, theft or falling objects.
    • Roadside assistance: Roadside assistance provides basic repair and towing services if your car breaks down.
    • Rental reimbursement: Rental reimbursement coverage pays for your rental car if your vehicle needs repairs after a covered claim.

    Delaware Minimum Insurance Requirements

    Insurance coverage varies by state, but liability insurance is legally required in Delaware. Drivers must carry bodily injury liability coverage and property damage liability coverage. Bodily injury coverage pays for another driver’s medical bills if you cause an accident, while property damage coverage pays to repair property that you damage. The minimum liability requirements in the state of Delaware are:

    • $25,000 bodily injury coverage per person
    • $50,000 bodily injury coverage per accident
    • $10,000 property damage coverage per accident

    Delaware Car Insurance FAQ 

    The average Delaware driver pays $1,730 for full coverage car insurance and $839 for minimum coverage insurance annually. For comparison, the United States national average rate is $1,555.

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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