Average Car Insurance Cost in Delaware (2025)
Drivers in Delaware pay an average of $201 per month for car insurance.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Delaware drivers pay an average of $160 per month for liability coverage and $241 for full coverage, according to Insurify data. For comparison, the U.S. national average is $105 for liability and $196 for full coverage.
Delaware may have higher average rates due to its high population density and the state’s proximity to the coast, which puts it at higher risk of natural disasters.
Here’s what you should know about finding car insurance in Delaware.
Quick Facts
The average annual cost of car insurance in Delaware is $1,918 for state-minimum coverage and $2,896 for full-coverage car insurance.
Newark drivers face slightly above-average costs, at $201 per month, for auto insurance.
The average cost of full-coverage insurance in Delaware increased by 8% between 2023 and 2024, Insurify data shows.
How much is car insurance in Delaware?
Delaware drivers pay an average monthly rate of $201, or $2,407 annually, for car insurance. A minimum-coverage policy costs a monthly average of $160, which works out to an annual rate of $1,918.
Drivers with a full-coverage policy, which includes comprehensive coverage and collision coverage, pay an average monthly rate of $241, or an average annual rate of $2,896.
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How Delaware car insurance rates have changed over the past two years
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To find car insurance rates in Delaware and the U.S. over the last two years, download our data here.
The average yearly price for full-coverage car insurance in Delaware rose to about $3,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Delaware.
See how Delaware car insurance prices have changed over the past two years below.
Average Delaware Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Delaware car insurance rates by city
Car insurance rates differ from city to city based on factors like traffic, population density, and susceptibility to natural disasters.[1]
In Delaware, Newark drivers tend to pay above-average car insurance rates, at an average monthly rate of $201. The table below highlights average monthly rates for minimum-coverage and full-coverage policies.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Dover | $147 | $230 |
| Newark | $168 | $235 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Delaware (2025)
Average Delaware car insurance rates by age and gender
Mature drivers with years of driving experience tend to pose less risk to insurance companies. Older drivers typically pay relatively low car insurance rates when compared to younger drivers. Across the nation, teen drivers tend to face the highest insurance costs. This trend holds true in Delaware, with drivers paying lower rates as they age.
For example, a 16-year-old driver in Delaware will pay a higher monthly insurance rate than a 50-year-old. Generally, rates take a worthwhile drop in the right direction for 25-year-olds. But at age 70, rates increase slightly as accident risks are higher for senior drivers.
Statistically speaking, women tend to get into fewer accidents than men. Insurance companies often use this information to offer women lower rates than male drivers. Although this is a general trend across the nation, men and women seem to pay similar rates in Delaware.
The table below highlights the average monthly rate by age and gender for auto insurance in Delaware.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $288 | $397 |
| 18 | $250 | $345 |
| 20 | $167 | $231 |
| 25 | $157 | $217 |
| 30 | $146 | $202 |
| 40 | $154 | $214 |
| 50 | $154 | $213 |
| 60 | $139 | $192 |
| 70+ | $141 | $195 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $288 | $397 |
| 18 | $250 | $345 |
| 20 | $167 | $231 |
| 25 | $157 | $217 |
| 30 | $146 | $202 |
| 40 | $154 | $214 |
| 50 | $154 | $213 |
| 60 | $139 | $192 |
| 70+ | $141 | $195 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost to insure popular vehicles in Delaware
Some vehicle models are more popular than others. Delaware’s most popular vehicles include the Tesla Model Y, Honda CR-V, Toyota RAV4, Honda Civic, and Jeep Grand Cherokee, according to Edmunds.[2]
The table below highlights the average monthly full-coverage rates for insurance coverage for the most popular vehicles in the state. Keep in mind that you’ll pay a higher or lower monthly rate based on your unique situation, including whether you opt for minimum-coverage or a full-coverage policy.
Vehicle | Average Monthly Quote |
|---|---|
| Tesla Model Y | $364 |
| Honda CR-V | $184 |
| Toyota RAV4 | $203 |
| Honda Civic | $237 |
| Jeep Grand Cherokee | $223 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Delaware
When determining your car insurance rates, insurers usually look at your driving record. People with a history of incidents typically pay more for car insurance than people with a clean driving history. Common incidents associated with high-risk drivers and higher rates include speeding tickets, at-fault car accidents, and driving under the influence (DUI).
For drivers who want to retain the lowest possible rates, driving safely to avoid incidents on your driving record is critical. After an incident, like an at-fault accident, you can expect higher rates.
The table below highlights average full-coverage rates for a sample driver with an incident on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $249 | 17% |
| With speeding ticket | $257 | 21% |
| With DUI | $291 | 37% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Delaware car insurance companies can consider credit-based insurance scores when determining rates. Generally, drivers with excellent credit pay lower rates for car insurance, while drivers with poor credit pay higher rates.[3]
The table below shows the average cost of car insurance in Delaware by credit tier.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $131 $181 Good $135 $186 Fair $162 $224 Poor $193 $266 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Delaware
You can use the following strategies to find cheap car insurance in Delaware:
Shop around
Comparing quotes across multiple insurance companies allows you to find the cheapest rates for your situation. Insurance companies each determine premiums differently, so comparing multiple options allows you to find cheap car insurance.
Increase your deductible
Most insurance companies offer a lower insurance premium to drivers who choose a higher deductible. Typically, pursuing these savings only makes sense if you have the funds on hand to cover a higher deductible if you need to file a claim.
Look for discounts
Most insurance companies offer a suite of discount opportunities. It never hurts to ask if you qualify for discounts to lower your monthly rate.
Bundle your coverage
If you need car insurance, you likely need other insurance products. If you buy multiple coverages through the same insurance company, you can often earn a bundling discount. Bundling your home insurance and auto insurance is a common way to lock in cheap car insurance.
Opt for minimum coverage
A policy that meets the state’s minimum-coverage requirements for bodily injury and property damage liability is often the cheapest car insurance option. But confirm this makes sense for your situation because you’ll have to pay out of pocket for repairs after an accident. If you want help paying to repair your vehicle, consider a full-coverage policy.
Pay up front
If you pay for your entire policy at once, some insurers offer a discount over when you pay month to month.[4]
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Delaware average car insurance cost FAQs
The following answers can help answer your remaining questions about Delaware car insurance.
The average rate for car insurance in Delaware is $2,407 per year. On average, Delaware drivers pay an average annual rate of $1,918 for a liability-only policy and $2,896 for a full-coverage policy.
USAA offers drivers in the First State the cheapest rates, at an average of $54 per month for a liability-only policy.
For the cheapest coverage, consider purchasing an auto policy that meets the state’s minimum requirements and nothing more.
Delaware drivers pay an average monthly rate of $201 for car insurance. A minimum-coverage policy costs an average of $160. Drivers with a full-coverage policy, which includes comprehensive coverage and collision coverage, pay an average monthly rate of $241.
Rates vary for each driver based on factors like driving history, age, credit history, and more.
Erie Insurance and State Farm offer some of the best car insurance to Delaware drivers. Erie earned top marks in the J.D. Power 2024 U.S. Auto Insurance Study. Both companies have quality coverage options at an affordable average price.
The best way to find the right auto policy for your coverage needs is to compare quotes and coverage options from multiple insurance companies.
Delaware requires all drivers to carry a state-minimum amount of car insurance. Delaware minimum coverage requirements are 25/50/10 for bodily injury liability insurance and property damage liability coverage, as well as 15/30 in personal injury protection (PIP) coverage.[5]
Although a minimum insurance policy will satisfy the state requirements, it might not offer enough financial protection for your situation. For some drivers, a full-coverage policy offers the more robust insurance coverage they want.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Edmunds. "Most popular cars in America."
- The Delaware Code Online. "Use of Credit Information in Insurance."
- Insurance Information Institute. "How to save money on car insurance."
- Delaware Division of Motor Vehicles. "Vehicle Services Registration."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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