There are numerous benefits to relocating to the First State, including the numerous beaches in Delaware and the lack of state or local sales taxes. In fact, Delaware’s population growth rate is among the highest in the nation.
However, newcomers should be aware that auto insurance in Delaware is more expensive than in many other places. For full coverage policies, the average cost of auto insurance in Delaware is $1,836 per year, which is about 20% more expensive than the national average.
Your location, age, and credit history are just a few of the many factors that affect your premiums. You may also be eligible for beneficial discount programmes that could enable you to save money.
How much does car insurance cost in Delaware 2023?
In comparison to other states, Delaware has higher car insurance costs. Full coverage policies, which include liability, collision, and comprehensive insurance, cost an average of $1,836 annually, or about $307 more than the national average.
For those on a tight budget, state-minimum coverage might be a helpful alternative. The average annual cost of policies that satisfy the state’s liability requirements is $918.
| Avg. cost for full coverage | Avg. cost for minimum coverage | Cheapest insurance provider |
| $1,838/year | $917/year | USAA |
| Avg. for young drivers | Avg. cost for seniors | Avg. for high-risk drivers |
| $5,525/year | $2,238/year | $2,798/year |
Average cost of car insurance in Delaware In Detail :
In Delaware, a number of organisations write insurance contracts, including well-known carriers like Allstate, GEICO, and Nationwide.
The state-minimum and full coverage average premiums from USAA are the lowest, but you must be a qualified USAA member to buy coverage. Military service members, veterans, and their dependent children or spouses are the only people who are eligible to join USAA.
If you are not a member of USAA, State Farm was the next-cheapest option for both types of insurance.
| Provider | Full coverage | Minimum liability coverage |
| Travelers | $1,784/year | $834/year |
| Nationwide | $1,723/year | $1,093/year |
| Allstate | $2,565/year | $1,336/year |
| GEICO | $1,551/year | $893/year |
| State Farm | $1,272/year | $704/year |
| Progressive | $1,431/year | $974/year |
| USAA | $1,162/year | $524/year |
How do car insurance rates in Delaware depend on credit score?
Although Delaware permits insurers to check drivers’ credit histories, there are some restrictions on how they can apply that data. However, we discovered that the premiums drivers pay can be significantly impacted by their credit scores.
Drivers with bad credit, defined as those with scores below 650, pay $3,354 on average for insurance, 83% more than the national average.
| Credit health | Avg. annual premium |
| Poor (540-629) | $3,352/year |
| Average (640-649) | $2,686/year |
| Good (720-746) | $2,283/year |
| Excellent (751+) | $1,833/year |
Average car insurance rates for high-risk drivers in Delaware:
In Delaware, reckless driving is a serious problem. The 10th worst state for speeding in the country, 13% of Delaware drivers received a speeding ticket in 2021, according to the most recent data.
In Delaware, a DUI conviction can increase your premiums by about $1,491 per year, and an accident where you were at fault can increase them by about $527 per year.
| Violation | Avg. annual premium before violation* | Avg. annual premium after violation | Avg. cost increase |
| At-fault accident | $2,283/year | $2,811/year | $524 |
| DUI | $2,288/year | $3,774/year | $1,493 |
| Speeding ticket | $2,283/year | $2,493/year | $214 |
How does age affect the cost of car insurance in Delaware?
Because they are inexperienced drivers who are more likely to be in collisions, teenagers typically pay much more for auto insurance. Delaware has a $6,113 average premium for drivers under the age of 18, which is more than three times the national average.
| Age | Avg. annual premium |
| 18 | $6,112/year |
| 25 | $2,105/year |
| 30 | $2,294/year |
| 40 | $2,162/year |
| 60 | $2,116/year |
Delaware car insurance rates by city:
Delaware’s suburban and rural residents will pay much less for auto insurance than the state’s urban residents. Because you are more likely to be involved in an accident, suffer from auto theft, or become the victim of vandalism, you will typically need to pay more for coverage.
Drivers in Newark, Delaware, will pay the highest premiums in the state, which average $2,514 annually. 93% of American cities are safer than Newark, which has a crime rating of seven on NeighborhoodScout.
| City | Avg. annual full-coverage premium |
| Wilmington | $2,483/year |
| Dover | $2,202/year |
| Newark | $2,516/year |
| Middletown | $2,402/year |
| Milford | $1,848/year |
| Seaford | $2,252/year |
Delaware minimum car insurance requirements:
Every driver in Delaware must have auto insurance and carry a certificate of coverage. Policies must adhere to the following minimum standards:
- Protection against bodily injury up to $25,000 for one person.
- $50,000 in protection against bodily injury for two or more parties.
- Property damage insurance of $10,000.
- Additionally, drivers are required to carry personal injury protection (PIP) with a minimum of $15,000 for a single victim and $30,000 for all victims of an accident.
How to reduce the cost of car insurance in Delaware:
Follow these recommendations to reduce your Delaware auto insurance premiums:
- Finish the course: Delaware has a special programme that offers eligible drivers significant savings. Your premiums can be lowered by 10% for three years if you successfully complete an approved course. You can be eligible for a 15% discount for an additional three years if you finish a refresher course within 180 days after the first three years have passed.
- Pay-per-mile: Changing to a usage-based or pay-per-mile insurance policy could help you save a significant sum of money if you work from home or have a short commute. Delaware offers usage-based insurance from a number of providers, including Root,
- Progressive, and Nationwide.
- Shop around: To get the best car insurance rates, get quotes from several companies rather than sticking with one for years.
FAQs about car insurance costs in DE 2023:
What is the cost of auto insurance in DE?
Delaware has a high cost of auto insurance. In comparison to the national average, full coverage policies cost an average of $1,836 annually, or 20% more.
How much does DE monthly car insurance cost?
The typical monthly premium for full coverage auto insurance in Delaware is $153. Monthly premiums for state-mandated liability insurance are typically $76.50.
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