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
- Travelers: Best for discounts
- USAA: Best for military members
- Nationwide: Best for customizable coverage
- Geico: Best for affordable policies
Compare The Best Car Insurance Companies in Delaware
| Travelers | USAA | Nationwide | Geico | |
| Reviews.com Score | 4.2 | 4.8 | 4 | 4.4 |
| 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** | 836/1,000 | 890/1,000 | 835/1,000 | 841/1,000 |
Information accurate as of February, 2021.
*Data provided by Coverage.com.
**Average rating of J.D. Power’s 2020 Auto Insurance Customer Satisfaction Study for the Mid-Atlantic region.
Travelers
Best for discounts
Why we chose it
Why we chose it
Pros
- Variety of discounts
- Good coverage options
- Excellent financial strength
Cons
- Average customer service ratings
Types of Coverage Offered
- Personal injury protection
- Gap insurance
- Rental car reimbursement
- Roadside assistance
- New car replacement
- Accident forgiveness
- Ridesharing
Discounts Available
- Multi-policy
- Multi-car
- Safe driver
- Hybrid/electric vehicle
- New car
- Early quote
- Good student
- Student away at school
- Driving training course
- IntelliDrive program
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.
Further Reading on Travelers:
- Travelers auto insurance review
- Travelers homeowners insurance review
- Travelers renters insurance review
USAA
Best for military members
Why we chose it
Why we chose it
Pros
- Personalized customer service
- Affordable policies
- Many discounts
Cons
- Only available to active and retired military members
- Very few branch locations
Types of Coverage Offered
- Personal injury protection
- Extended benefits coverage
- Roadside assistance
- Rental car reimbursement
- Accident forgiveness
Discounts Available
- 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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.
Further Reading on USAA:
Nationwide
Best for customizable coverage
Why we chose it
Why we chose it
Pros
- Wide range of add-on coverage
- Online tools and resources
- Many discounts
Cons
- Higher-than-average complaints
- Poor claims handling reviews
Types of Coverage Offered
- Personal injury protection
- Rental car reimbursement
- Gap coverage
- Towing and labor
- Accident forgiveness
- Roadside assistance
- Vanishing deductible
- Total loss waiver
Discounts Available
- Multi-policy
- Anti-theft device
- SmartRide program
- Safe driver
- SmartMiles program
- AutoPay
- Accident-free
- Affinity member group
- Good student
- Defensive driving course
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.
Further Reading on Nationwide:
Geico
Best for affordable policies
Why we chose it
Why we chose it
Pros
- Very affordable policies
- Good discounts
- Strong financial ratings
Cons
- Not the best customer service
- Basic coverage
Types of Coverage Offered
- Personal injury protection
- Roadside assistance
- Rental car reimbursement
- Mechanical breakdown coverage
Discounts Available
- 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 2020 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.
Further Reading on Geico:
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
| Company | Average 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
| Company | Average 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
| City | Average 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
| City | Average 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
\r\n\r\nThe average Delaware driver pays $1,730 for full coverage car insurance<\/a> and $839 for minimum coverage insurance annually. For comparison, the United States national average rate is $1,555.\r\n\r\n“, “_content_description”: “field_5e34595c23536”, “content”: “”, “_content”: “field_5e3a3d0880c06” }, “align”: “full”, “mode”: “auto” } /–>About the Authors
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.
