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 recent independent benchmarks, a useful shortlist of carriers in Delaware includes Travelers, USAA, Nationwide and Geico. These companies stand out for competitive pricing, strong financial strength, broad coverage options and robust digital 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* | $900–$1,200 | $900–$1,200 | $900–$1,200 | $900–$1,200 |
| Average Price for Full Coverage* | $2,100–$2,400 | $2,100–$2,400 | $2,100–$2,400 | $2,100–$2,400 |
| AM Best Financial Strength | A++ | A++ | A+ | A++ |
| J.D. Power Customer Satisfaction** | About average (Mid-Atlantic) | Not rank-eligible; among highest | About average | About average to below average |
Information current as of November 2025.
*Averages reflect 2024–2025 benchmarks from Bankrate, The Zebra and ValuePenguin.
**J.D. Power’s 2024 U.S. Auto Insurance Study rating 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
* Averages reflect 2024–2025 benchmarks from Bankrate, The Zebra and ValuePenguin.
**J.D. Power’s 2024 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, recent benchmarks put average annual premiums around $2,100–$2,400 for full coverage and roughly $900–$1,200 for minimum coverage for a good driver, depending on methodology and profile assumptions (Bankrate; The Zebra; ValuePenguin). Delaware averages tend to run above U.S. averages, and premiums rose markedly through 2023–2024 as the CPI for motor vehicle insurance climbed about 19% year over year by late 2024 (BLS CPI). Delaware’s mandatory Personal Injury Protection (PIP) benefits also raise the baseline cost of minimum coverage compared with liability-only states (Delaware DOI).
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 | $2,100–$2,400 |
| Travelers | $2,100–$2,400 |
| Nationwide | $2,100–$2,400 |
* Averages reflect 2024–2025 statewide benchmarks from Bankrate, The Zebra and ValuePenguin; actual quotes vary by profile.
Top 3 Most Expensive Car Insurance Companies in Delaware
| Company | Average Annual Full Coverage Premium* |
| Sentry | $2,400+ (varies by profile) |
| Allstate | $2,400+ (varies by profile) |
| California Casualty | $2,400+ (varies by profile) |
* Directional comparison based on 2024–2025 statewide averages (Bankrate; The Zebra; ValuePenguin); company rankings vary by driver, ZIP code and coverage.
Top 3 Cheapest Cities for Car Insurance in Delaware
| City | Average Annual Full Coverage Premium* |
| Rehoboth Beach | $1,700–$2,000 |
| Dewey Beach | $1,700–$2,000 |
| Henlopen Acres | $1,700–$2,000 |
* Directional ranges based on 2025 city-level analyses from major rate trackers; actual quotes vary widely by ZIP code and profile (Bankrate; The Zebra; ValuePenguin).
Top 3 Most Expensive Cities for Car Insurance in Delaware
| City | Average Annual Full Coverage Premium* |
| Elsmere | $2,100–$2,400 |
| New Castle | $2,100–$2,400 |
| Wilmington Manor | $2,100–$2,400 |
* Directional ranges based on 2025 city-level analyses from major rate trackers; actual quotes vary widely by ZIP code and profile (Bankrate; The Zebra; ValuePenguin).
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 and Personal Injury Protection (PIP) are legally required in Delaware
- 12.6% of Delaware drivers are uninsured
- Delaware experiences extreme weather, including hurricanes, hail and flooding, that can damage vehicles; the U.S. saw a record 28 billion-dollar disasters in 2023 (NOAA)
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. Delaware also requires no‑fault Personal Injury Protection (PIP) of at least $15,000 per person / $30,000 per accident, and insurers must offer Uninsured/Underinsured Motorist (UM/UIM) coverage, which you may reject in writing (Delaware DMV; 21 Del. C. § 2118; 18 Del. C. § 3902). 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.
For average pricing and comparisons, we aligned this guide to 2024–2025 statewide benchmarks from major third-party sources (e.g., Bankrate, The Zebra, ValuePenguin) and recent independent studies (J.D. Power; A.M. Best). For full coverage, we referenced a typical profile for a 40‑year‑old driver with clean record and common limits/deductibles similar to 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, we referenced Delaware’s statutory requirements and used a standardized driver profile (late‑model sedan, five-day commute, ~12,000 miles annually).
These are sample rates and should only be used for comparative purposes.
