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Cheap Delaware Auto Insurance for 2024

Delaware auto insurance rates are higher than the national average, averaging $175/mo or $2,100/yr. Drivers looking to lower their auto insurance rates can find cheap Delaware auto insurance rates by comparing quotes from the best Delaware auto insurance companies.

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Written by:

Leslie Kasperowicz

Farmers CSR for 4 Years

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Farmers CSR for 4 Years

Reviewed by:

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

UPDATED: Jul 1, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jul 1, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Delaware auto insurance is a requirement for all drivers, and understanding auto insurance before you buy is key to getting the best Delaware auto insurance rates. We have everything you need to get the best auto insurance rates in Delaware.

We can help you find affordable auto insurance in Delaware. Enter your ZIP code right now to get cheap Delaware auto insurance quotes today.

Delaware Auto Insurance Requirements

You are required by law to carry a minimum amount of auto insurance in Delaware to drive legally.

In Delaware, the state liability coverage minimums are:

Take a look at how Delaware’s minimum rates compare with surrounding states.

Personal Injury Protection minimums are:

In addition to the coverage required by law, there are other coverages you can add to your car insurance as well. Optional coverage options in Delaware include:Delaware Auto Insurance Get Affordable Seaford, DE Auto Insurance Quotes (2024)Get Affordable Harrington, DE Auto Insurance Quotes (2024)

Delaware follows most states in the country by using a tort auto insurance system. This means that when an accident occurs, one of the drivers will be determined to have caused the accident (the “at fault” party) and this driver and their insurance will be subject to claims and lawsuits. Drivers in the state must also purchase a minimum amount of insurance coverage in a number of different areas to be considered as “fully covered” and legally allowed to drive.

Bodily injury liability coverage helps cover the medical treatment costs, lost wages, rehabilitation, and other claims resulting from injuries that parties suffer in an accident that you cause. Note that BIL doesn’t cover the insurance policyholder – it only covers other parties in the accident and only if you were at fault. The minimum amount of BIL coverage in Delaware is $25,000 per person, per accident, and $50,000 for all parties in a single accident.

Property damage liability insurance works much like the above BIL insurance, except instead of covering people and injuries it covers damages to property, such as other automobiles, fences, lamp posts, and the like. The minimum amount of property damage liability insurance that one can have in Delaware is $10,000. It’s worth noting that this is quite low and it would be worth purchasing more if it’s in your budget.

Finally, Delaware has a no-fault requirement for drivers to purchase personal injury protection (PIP) coverage. PIP coverage insures you and your passengers and helps to cover medical treatment costs regardless of who caused the accident which led to the injuries being claimed.

This is considered a “tort add-on” as the PIP coverage won’t kick in until the other party’s BIL is exhausted, ensuring that you won’t suffer higher PIP premiums as a result of someone else causing an accident. The minimum required PIP coverage is the same as bodily injury liability – $15,000 per person, per accident, and $30,000 total for a single accident.

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Auto Insurance Rates In Delaware

It’s an unfortunate reality that those who live in Delaware end up paying much more than the nationwide average for their auto insurance, making it harder to find affordable auto insurance. The statewide median insurance rate is $2100 per year, which is considerably more than the national average of $1440.

Those that live in Delaware’s major cities do not fare much better, with residents of Dover paying about $1950 per year and those in Wilmington paying a whopping $2340 per year.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender (read our guide on how age affects auto insurance rates for more information). As with most states, males typically pay higher auto insurance rates than females.

With rates this high, it’s critical for drivers to shop around through the dozens of different auto insurance companies that provide insurance to Delaware residents.

Delaware Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

But which companies are the largest, holding the most market share percentage in the region?

Delaware Auto Theft And Crash Statistics

Auto thefts saw a massive decline across Delaware in 2009, the most recent year for which stats are available. Total instances of grand theft auto dropped more than 25% to 1,907, down from a total of 2,557 the year prior. This is a spectacular drop for a single year and represents the hard work that both drivers and law enforcement officials have put into reducing auto thefts across the state.

A continued focus on reducing vehicle thefts will help bring down Delaware’s auto insurance premiums for nearly all drivers.

Unfortunately, the news isn’t so bright when auto crashes are considered. Delaware was one of the few states to see an increase in vehicle crashes in 2010, and the jump was rather large at 9%. There were a total of 20,697 crashes in 2010, up from 18,927 in 2009.

This unfortunate spike is considered to be an anomaly, and crash rates are expected to resume their downward trend in the years to come. The one point of good news here is that fatalities actually managed to drop 13% in 2010, going from 118 deaths in 2009 down to 103. While this is definitely positive news, reducing the total number of crashes will do much more to help bring down Delaware auto insurance rates.

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Delaware Auto Insurance Agents

If you’re looking for a local auto insurance agent in Delaware, we have compiled a list below.

Delaware Auto Insurance Agents

Additional Information For Delaware Auto Insurance

Check the list of additional resources below to find official sources of information regarding driving and insurance in Delaware.

Ready to buy Delaware auto insurance? Make sure you have the best rate. Enter your ZIP code to compare Delaware auto insurance rates right now.

Top Auto Insurance Agents in Delaware

Embark on a journey through the bustling streets of Delaware as we unveil the top auto insurance agents in Harrington and Seaford, serving as beacons of reliability and trust for drivers statewide.

Frequently Asked Questions

What are the auto insurance requirements in Delaware?

Delaware requires a minimum of 25/50/10 for bodily injury and property damage coverage, and 15/30 for personal injury protection (PIP).

How much are the auto insurance rates in Delaware?

The average auto insurance rate in Delaware is $175 per month, but rates can vary depending on several factors such as location, driving record, and the coverage options chosen.

How can I find the best rates for auto insurance in Delaware?

To find the best rates, it’s recommended to compare quotes from multiple auto insurance companies. Use our free quote tool to compare quotes and find the most affordable coverage options.

What additional coverage options can I add to my Delaware auto insurance policy?

In addition to the minimum required coverage, you can consider adding optional coverage options such as comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and roadside assistance.

Does Delaware follow a no-fault insurance system?

Yes, Delaware follows a no-fault insurance system. This means that your own insurance policy will cover your medical expenses regardless of who is at fault in an accident.

Do drivers need insurance to drive in Delaware?

Yes, drivers need Delaware’s minimum auto insurance to drive legally.

What is Delaware’s minimum auto insurance required?

In Delaware, the state liability coverage minimums required are:

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Written by:

Leslie Kasperowicz

Farmers CSR for 4 Years

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Farmers CSR for 4 Years

Reviewed by:

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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4AutoInsuranceQuote.com has one simple mission – to help consumers learn about auto insurance and get free auto insurance quotes online. We aim to be your first stop for auto insurance questions and to save you money on your auto insurance with our free policy quotes from the trustworthy companies in our nationwide network of auto insurance providers.

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