Cheapest Auto Insurance Quotes in Delaware (2026)
Farmers has the cheapest full coverage car insurance in Delaware, at $191 per month.
Find Cheap Auto Insurance Quotes in Delaware
Best cheap car insurance companies in Delaware
Farmers, State Farm, Geico and Progressive are the cheapest options for most people in DE.
- Want full coverage? Farmers: $191/mo
- Only need minimum liability coverage? Farmers: $74/mo
- Want the best customer service?State Farm: $212/mo
- Have a speeding ticket? Farmers: $216/mo
- Caused an accident? State Farm: $212/mo
- Need coverage for a young driver? Geico: $232/mo
- Got a DUI? Progressive: $274/mo
- Have poor credit? Progressive: $344/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest car insurance in Delaware: Farmers
Farmers, State Farm and USAA have the most affordable full coverage car insurance in Delaware.
- Farmers has the cheapest full coverage quotes overall, at $191 per month. But its poor customer service reviews mean it's not the best choice for everyone.
- State Farm has great customer service and low rates. State Farm earned high customer satisfaction scores from J.D. Power and ValuePenguin. It’s more expensive than Farmers, at $212 per month, but that is still $91 per month cheaper than average.
- USAA has the best full coverage car insurance for drivers with military ties, at $197 per month. USAA has excellent customer service, but it's only available to military members, veterans and some of their family members.
Find Cheap Auto Insurance Quotes in Delaware
Best cheap full coverage quotes in Delaware
Company | Monthly rate |
|---|---|
| Farmers | $191 |
| State Farm | $212 |
| Travelers | $213 |
| Progressive | $223 |
| Geico | $268 |
| USAA* | $197 |
*USAA is only available to current and former military members and their families.
Data-powered research on Delaware car insurance
| Data-powered research on DE car insurance |
|---|
Cheapest liability insurance quotes in Delaware: Farmers
Farmers has the cheapest rates for liability-only auto insurance in Delaware.
At $74 per month, minimum coverage from Farmers is around half the Delaware state average.
Cheapest Delaware car insurance companies for minimum coverage
Company | Monthly rate |
|---|---|
| Farmers | $74 |
| Travelers | $79 |
| Geico | $84 |
| State Farm | $103 |
| Progressive | $121 |
| USAA* | $80 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Delaware
Cheapest car insurance in Delaware by city
Farmers has the cheapest full coverage insurance in 83% of cities across Delaware, including Wilmington, Dover and Newark.
State Farm is the most affordable option in most other cities, many of which are higher-income communities outside of Wilmington or beach towns.
South Bethany, along the coast, has the cheapest average rate for full coverage car insurance, at $244 per month.
Meanwhile, drivers in Elsmere, a Wilmington suburb, have the highest quotes, at $372 per month.
Cheapest full coverage insurance in DE by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Wilmington | $369 | Farmers | $244 |
| Dover | $281 | Farmers | $167 |
| Newark | $328 | Farmers | $207 |
| Arden | $310 | Travelers | $206 |
| Bear | $343 | Farmers | $207 |
| Bellefonte | $330 | Farmers | $207 |
| Bethany Beach | $244 | Travelers | $167 |
| Bethel | $268 | Farmers | $167 |
| Bridgeville | $266 | Farmers | $167 |
| Brookside | $324 | Farmers | $207 |
| Camden | $273 | Farmers | $167 |
| Camden Wyoming | $273 | Farmers | $167 |
| Cheswold | $279 | Farmers | $167 |
| Claymont | $330 | Farmers | $207 |
| Clayton | $285 | Farmers | $167 |
| Dagsboro | $256 | Farmers | $167 |
| Delaware City | $362 | Farmers | $207 |
| Delmar | $267 | Farmers | $167 |
| Dewey Beach | $245 | State Farm | $156 |
| Dover Air Force Base | $274 | Farmers | $167 |
| Dover Base Housing | $280 | Farmers | $167 |
| Edgemoor | $363 | Farmers | $246 |
| Ellendale | $268 | Farmers | $167 |
| Elsmere | $372 | State Farm | $238 |
| Felton | $273 | Farmers | $167 |
| Fenwick Island | $244 | State Farm | $159 |
| Frankford | $255 | Farmers | $167 |
| Frederica | $274 | Farmers | $167 |
| Georgetown | $266 | Farmers | $167 |
| Glasgow | $340 | Farmers | $207 |
| Greenville | $301 | State Farm | $206 |
| Greenwood | $263 | Farmers | $167 |
| Harbeson | $260 | Farmers | $167 |
| Harrington | $265 | Farmers | $167 |
| Hartly | $278 | Farmers | $167 |
| Henlopen Acres | $244 | State Farm | $152 |
| Highland Acres | $280 | Farmers | $167 |
| Hockessin | $310 | Farmers | $207 |
| Houston | $272 | Farmers | $167 |
| Kent Acres | $281 | Farmers | $167 |
| Kirkwood | $338 | Farmers | $207 |
| Laurel | $271 | Farmers | $167 |
| Lewes | $247 | State Farm | $163 |
| Lincoln | $270 | Farmers | $167 |
| Little Creek | $299 | Farmers | $167 |
| Long Neck | $257 | Farmers | $167 |
| Magnolia | $273 | Farmers | $167 |
| Marydel | $274 | Farmers | $167 |
| Middletown | $298 | Farmers | $167 |
| Milford | $268 | Farmers | $167 |
| Millsboro | $261 | Farmers | $167 |
| Millville | $252 | Farmers | $167 |
| Milton | $252 | State Farm | $166 |
| Montchanin | $319 | Farmers | $207 |
| Nassau | $285 | Farmers | $167 |
| New Castle | $360 | Farmers | $207 |
| Newport | $332 | Farmers | $207 |
| North Star | $308 | State Farm | $204 |
| Ocean View | $244 | Farmers | $167 |
| Odessa | $309 | Farmers | $167 |
| Pike Creek | $306 | State Farm | $199 |
| Pike Creek Valley | $307 | State Farm | $205 |
| Port Penn | $315 | Farmers | $167 |
| Rehoboth Beach | $244 | State Farm | $152 |
| Rising Sun-Lebanon | $272 | Farmers | $167 |
| Riverview | $274 | Farmers | $167 |
| Rockland | $323 | Farmers | $207 |
| Rodney Village | $280 | Farmers | $167 |
| Seaford | $272 | Farmers | $167 |
| Selbyville | $249 | Farmers | $167 |
| Smyrna | $287 | Farmers | $167 |
| South Bethany | $244 | State Farm | $164 |
| St. Georges | $349 | Farmers | $207 |
| Townsend | $293 | Farmers | $167 |
| Viola | $272 | Farmers | $167 |
| Wilmington Manor | $361 | Farmers | $207 |
| Winterthur | $309 | Farmers | $207 |
| Woodside | $297 | Farmers | $167 |
| Woodside East | $273 | Farmers | $167 |
| Wyoming | $273 | Farmers | $167 |
| Yorklyn | $306 | Farmers | $207 |
Find Cheap Auto Insurance Quotes in Delaware
Where you live within Delaware will affect what you'll pay for car insurance. For example, if you live in a densely populated area, you're more likely to have an accident or auto theft. Car insurance companies often increase your rates to account for this risk.
Best car insurance for most people in Delaware: State Farm
-
4.5 out of 5
-
Full coverage rate$212/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage. Read our methodology.
-
Claims process8.5/10Claims rating is based on J.D. Power's claims satisfaction survey and the National Association of Insurance Commissioners complaint index. Read our methodology.
-
AM Best ratingA+An A+ financial strength rating.
Pros & cons
Pros:
- Great customer service
- Affordable rates
- Low home insurance rates in DE make it great for bundling
Cons:
- Few coverage add-ons
Why is State Farm the best?
State Farm is the top choice in Delaware if you don't mind paying a little extra for great service.
State Farm's positive customer service reviews mean you can count on the company to help get your life back to normal quickly after a crash.
- State Farm earned a great score on J.D. Power's claims satisfaction survey, beating out 12 of the 21 largest car insurance companies.
- State Farm also earned a good score on J.D. Power's customer satisfaction survey, where it ranked fifth compared to 15 mid-Atlantic companies.
- State Farm gets 41% fewer customer complaints than an average company its size, according to the National Association of Insurance Commissioners (NAIC).
State Farm has some of the most affordable rates in Delaware.
Full coverage from State Farm costs around $212 per month, which is an average savings of 30% compared to the state average. But it's $12 per month more than the cheapest company, American Family.
However, State Farm offers lots of discounts to help lower your insurance bill. For example, safe drivers could save up to 30% with State Farm's Drive Safe & Save program. This program tracks your driving habits using a mobile app and rewards good habits, such as driving fewer miles and staying under the speed limit.
Other top auto insurance companies in DE
USAA has the best customer service in Delaware overall. But only military members, veterans and some of their family members can buy insurance from USAA.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 4.5 out of 5 | 735 | A++ |
| State Farm | 4.5 out of 5 | 650 | A+ |
| Nationwide | 4.0 out of 5 | 645 | A |
| Farmers | 3.5 out of 5 | 622 | A |
| Travelers | 3.5 out of 5 | 613 | A++ |
How did we pick the best company?
The author, Lindsay Bishop, chose the best car insurance companies in Delaware based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Delaware
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest Delaware car insurance after a ticket: Farmers
Farmers has the cheapest rates for Delaware drivers with a speeding ticket. At $216 per month, full coverage from Farmers is around half the state average.
Cheap car insurance in Delaware after speeding
Company | Monthly rate |
|---|---|
| Farmers | $216 |
| State Farm | $232 |
| Progressive | $295 |
| Donegal | $314 |
| Geico | $346 |
| USAA* | $257 |
*USAA is only available to current and former military members and their families.
Full coverage rates in Delaware go up by an average of 35% after a single speeding ticket.
Cheap quotes after an accident in DE: State Farm
State Farm offers the best rates for Delaware drivers with an at-fault accident on their records. Full coverage from State Farm costs just $212 per month after an accident, which is less than half the state average.
Cheapest Delaware automobile insurance after accidents
Company | Monthly rate |
|---|---|
| State Farm | $212 |
| Farmers | $255 |
| Progressive | $282 |
| Donegal | $337 |
| Travelers | $343 |
| USAA* | $197 |
*USAA is only available to current and former military members and their families.
In Delaware, average rates go up by 46% after you cause an accident.
Insurance companies raise auto insurance rates after an at-fault accident because drivers who cause crashes are more likely to get in accidents again in the future.
Cheapest Delaware car insurance for teens: Geico
Geico has the most affordable minimum and full coverage quotes for teen drivers in Delaware.
Minimum coverage from Geico costs $232 per month for an 18-year-old in Delaware, which is half the state average.
Geico also has the best full coverage rates for Delaware teens, at around $608 per month. That's about 40% less than what teens pay on average for full coverage across the state.
Best car insurance rates in Delaware for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $232 | $608 |
| State Farm | $355 | $673 |
| Farmers | $355 | $785 |
| Donegal | $454 | $876 |
| Progressive | $465 | $1,026 |
| USAA* | $174 | $405 |
*USAA is only available to current and former military members and their families.
Teen drivers in Delaware pay an average of $467 per month for minimum coverage auto insurance. That's about three and a half times as much as 30-year-old drivers pay for the same insurance.
Young drivers have less experience behind the wheel, so they tend to get into more accidents than older drivers. That makes them more expensive to insure.
The best way for teen drivers to get more affordable car insurance quotes is by sharing a policy with their parents.
Young drivers should also try to qualify for as many discounts as possible. For example, the state of Delaware requires insurance companies to offer a discount if you complete a defensive driving course. This could save you around 10% on your car insurance rates.
Cheapest for teens with a ticket or accident: Geico and State Farm
Geico and State Farm have the cheapest rates for young drivers in Delaware with a bad driving record.
- Speeding ticket: Geico has the most affordable quotes for young drivers in Delaware with a speeding ticket. Minimum coverage from Geico costs around $286 per month for 18-year-olds with a recent speeding ticket. That's less than half the Delaware state average.
- Accident: State Farm is the cheapest for teens with an accident on their records. Teens who have recently caused an accident can expect to pay around $355 per month for minimum coverage from State Farm, which is about a third less than the state average.
Cheap minimum coverage quotes for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $286 | $375 |
| State Farm | $394 | $355 |
| Farmers | $397 | $458 |
| Donegal | $454 | $471 |
| Progressive | $486 | $547 |
| USAA* | $284 | $174 |
*USAA is only available to current and former military members and their families.
Average car insurance rates for Delaware teens go up by 41% after a speeding ticket and 33% after an accident.
Discounts for taking a defensive driving course, getting good grades and having usage-based insurance can help make your rate more affordable.
Affordable rates after a DUI in Delaware: Progressive
Progressive has the cheapest quotes for Delaware drivers with a DUI on their records. At $274 per month, a full coverage policy from Progressive is half the average rate after a DUI.
Most affordable Delaware DUI car insurance
Company | Monthly rate |
|---|---|
| Progressive | $274 |
| Geico | $499 |
| Donegal | $505 |
| Farmers | $539 |
| USAA* | $364 |
*USAA is only available to current and former military members and their families.
Driving under the influence (DUI) causes average car insurance rates to increase by more than any other offense. Auto insurance rates in Delaware increase by 80% after a DUI.
Cheapest quotes for drivers with poor credit: Progressive
Progressive has the best rates for Delaware drivers with low credit scores. A full coverage policy from Progressive costs $344 per month for Delaware drivers with bad credit. That's 33% cheaper than the state average, which is $511 per month.
Best Delaware car insurance for poor credit
Company | Monthly rate |
|---|---|
| Progressive | $344 |
| Geico | $403 |
| Nationwide | $417 |
| Travelers | $431 |
| Farmers | $438 |
| USAA* | $348 |
*USAA is only available to current and former military members and their families.
Your credit score doesn't have anything to do with your ability to drive a car, but it can affect your car insurance quotes in most states, including Delaware. That's because insurance companies believe drivers with poor credit are more likely to make claims in the future.
Auto insurance for Delaware drivers with poor credit is 69% more expensive than average.
Minimum insurance requirements in Delaware
Minimum coverage in Delaware includes three types of coverage. Bodily injury and property damage liability coverage will pay for injuries and damage you cause in an accident. Personal injury protection (PIP) pays for your own injuries and lost wages while you recover after a crash.
If you're a Delaware driver, your policy must have a minimum amount of each of these coverage types. Delaware requires at least 25/50/10 liability coverage and 15/30 PIP coverage to avoid penalties.
- Bodily injury (BI): $25,000 per person and $50,000 per accident
- Property damage (PD): $10,000 per accident
- Personal injury protection (PIP): $15,000 per person and $30,000 per accident
You cannot drive or register a vehicle in Delaware before getting car insurance. This is to financially protect you and other drivers in case of a car accident. Failing to comply with the state's financial responsibility law can result in a fine and license suspension.
Potential fines and penalties for driving without insurance in DelawareFirst offense:
- Fine: $1,500 to $2,000
- Uninsured motorist fee: $100 for the first 30 days and $5 each day thereafter until proof of insurance is provided
- Driving privileges: Suspension of driver's license for six months, suspension of vehicle registration and license plate until proof of insurance is provided
- Other fees: $50 registration reinstatement fee
Second and subsequent offenses:
- Fine: $3,000 to $4,000
- Uninsured motorist fee: $100 for the first 30 days and $5 each day thereafter until proof of insurance is provided
- Driving privileges: Suspension of driver's license for six months, suspension of vehicle registration and license plate until proof of insurance is provided
- Other fees: $50 registration reinstatement fee
What's the best car insurance coverage for Delaware drivers?
Full coverage is the best car insurance for most Delaware drivers because it pays to repair or replace your car if it's stolen or damaged in an accident you cause.
It also includes higher liability limits, which can help you avoid an expensive bill if you cause a major accident.
Full coverage car insurance in Delaware costs more than twice as much as minimum coverage.
The extra cost of full coverage insurance is usually worth it for Delaware drivers. This is especially true if your car is less than 5 years old or worth more than $5,000.
Buying minimum coverage is the cheapest way to make sure you're covered. However, you get what you pay for.
In Delaware, a minimum coverage policy only pays for other people's injuries or damage you cause to other cars or property.
It doesn't include damage to your car, which means you have to pay for your own car repairs if you cause an accident. The liability limits that come with minimum coverage insurance also may not be enough to cover the cost of a serious accident.
Frequently asked questions
Who has the cheapest car insurance in Delaware?
Farmers offers the cheapest auto insurance rates in Delaware in 2026. Full coverage insurance from Farmers costs around $191 per month, which is $111 per month cheaper than the state average. Farmers has the cheapest minimum liability rates, at $74 per month.
How much is car insurance in Delaware?
The average cost of minimum coverage insurance in Delaware is $134 per month, while the average full coverage policy costs $302 per month.
Is car insurance cheaper in Delaware?
Delaware is 45% more expensive than the national average for full coverage car insurance. This is likely because of its high population density and the fact that PIP coverage is required by state law.
Why is car insurance so high in Delaware?
Rates in Delaware are 45% more expensive than the national average, partially because the majority of the state’s population lives in fairly densely populated areas. Cities and other urban areas tend to have more expensive car insurance rates because they also typically have higher rates of crashes, vandalism and theft. Severe weather, such as flooding and wind, also plays a part in Delaware's high rates.
The state of Delaware recently created an auto insurance task force to work on bringing down the cost of car insurance in the state.
Methodology
ValuePenguin collected thousands of quotes from ZIP codes across Delaware for the state's largest insurance companies. Rates are for a 30-year-old man driving a 2018 Honda Civic EX with good credit.
Quotes are for full coverage with collision and comprehensive coverage and higher liability limits than the state minimum requirements.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Personal injury protection: $15,000 per person and $30,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
This analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
