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 Low Rates
- USAA: Best for Military-Centric Options
- Nationwide: Best for Customizable Coverage
- Geico: Best for Discounts
Compare The Best Car Insurance Companies in Delaware
| Travelers | USAA | Nationwide | Geico | |
| Average Price for State Minimum* | $447 | $355 | $559 | $603 |
| Average Price for Full Coverage* | $1,072 | $955 | $1,184 | $1,354 |
| 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 Bankrate.com.
**J.D. Power 2021 Auto Insurance Satisfaction Study for the Mid-Atlantic region. Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions.
Best for Low Rates
Why we chose it
Why we chose it
Pros
- Variety of discounts
- Good coverage options
- Excellent financial strength
Cons
- Average customer service ratings
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
Best for Military-Centric Options
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
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
Best for Customizable Coverage
Why we chose it
Why we chose it
Pros
- Wide variety of add-on coverage
- Online tools and resources
- Many discounts
Cons
- Higher-than-average complaints
- Poor claims handling reviews
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
Best for Discounts
Why we chose it
Why we chose it
Pros
- Strong financial ratings
- Good discounts
Cons
- Not the best customer service
- Basic coverage
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 Bankrate.com.
**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 annual car insurance premium is $1,775 for full coverage car insurance and $787 for minimum coverage insurance, according to 2021 data from Bankrate.com. Delaware’s average rate is higher than the United States national average annual rate, which is $1,674 for full coverage and $565 for minimum coverage. 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 Full Coverage Premium* |
| USAA | $955 |
| Travelers | $1,072 |
| Nationwide | $1,184 |
* Data provided by Bankrate.com
Top 3 Most Expensive Car Insurance Companies in Delaware
| Company | Average Annual Full Coverage Premium* |
| Sentry | $4,675 |
| Allstate | $2,614 |
| California Casualty | $1,993 |
* Data provided by Bankrate.com
Top 3 Cheapest Cities for Car Insurance in Delaware
| City | Average Annual Full Coverage Premium* |
| Rehoboth Beach | $1,490 |
| Dewey Beach | $1,490 |
| Henlopen Acres | $1,490 |
* Data provided by Bankrate.com
Top 3 Most Expensive Cities for Car Insurance in Delaware
| City | Average Annual Full Coverage Premium* |
| Elsmere | $2,228 |
| New Castle | $2,216 |
| Wilmington Manor | $2,216 |
* Data provided by Bankrate.com
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
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in Delaware, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
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.
