Last Updated on January 2, 2026

Car insurance rates in Delaware are often higher than the national average. Even with a clean record, many drivers see elevated premiums because Delaware requires Personal Injury Protection (PIP), has dense traffic corridors, and tends to have higher claim costs than many neighboring states.

The good news: you can usually lower your price by comparing multiple quotes, choosing the right coverage for your car, and stacking discounts. In this guide, we’ll break down average costs, the best insurers to compare, Delaware’s minimum requirements, and what happens if you drive uninsured.

Key Takeaways

1. Delaware Is Often Above the National Average: Full coverage frequently lands around the high-$2,000s to low-$3,000s per year, depending on your ZIP code, vehicle, and record.
2. Delaware Requires PIP: Minimum coverage includes 25/50/10 liability plus mandatory PIP at 15/30, which helps pay medical costs regardless of fault.
3. Uninsured Driving Has Serious Consequences: Delaware penalties can include large fines, license suspension, and registration/plate issues—plus additional DMV audit penalties if you have a lapse.
4. Shopping Around Is the Fastest Way to Save: Quote multiple insurers, compare identical coverage, and stack discounts (bundling, safe driving, telematics, pay-in-full) to lower your premium.

Average Cost of Car Insurance in Delaware

Delaware premiums vary widely by ZIP code, driver age, vehicle type, coverage limits, and your insurance history. As a general benchmark, recent pricing studies often place Delaware around the following ranges:

• Full coverage: roughly $2,700 to $3,200 per year (about $225 to $270 per month)
• Minimum coverage: roughly $1,000 to $1,300 per year (about $85 to $110 per month)

If your rate is far above these ranges, it’s often due to one of these factors: a recent ticket/accident, a lapse in coverage, a high-cost ZIP code, a newer vehicle with expensive repair tech, or a low deductible that increases premiums.

Top Car Insurance Companies in Delaware

There’s no single “best” insurer for everyone. The best car insurance company in Delaware depends on your driving record, where you live, what you drive, and which discounts you qualify for. The list below includes strong options to compare for price, coverage, and service.

1. USAA

Best for: military members, veterans, and eligible family members. If you qualify, USAA is often one of the best values for customer satisfaction and claims handling.

2. State Farm

Best for: drivers who want a local agent, bundling discounts, and stable coverage options. If you’re comparing carriers, start with our State Farm overview and then get a Delaware quote to see how your ZIP code prices out.

3. GEICO

Best for: shoppers who want a fast online quote process and competitive pricing for many clean-record drivers. Learn what to expect from GEICO before you compare deductibles and coverage limits.

4. Travelers

Best for: drivers who care about coverage add-ons and bundling (especially home + auto). Read our Travelers review, then compare pricing for your exact vehicle and limits.

5. Progressive

Best for: drivers who want flexible coverage, strong online tools, and pricing that can be competitive even after an incident. See how Progressive typically compares for different driver profiles.

6. Nationwide

Best for: households that can stack multiple discounts (multi-policy, multi-car, safe driver, and more). If you’re checking Nationwide, review the extensive discounts first so you know what to ask about when you quote.

7. Allstate

Best for: drivers who want lots of policy customization and may qualify for safe-driving or bundling discounts. Allstate is often a strong “compare quote” option even if it isn’t always the cheapest.

8. California Casualty

Best for: certain professional groups (such as educators, nurses, and first responders). If you qualify, see our Cal Casualty review and compare the final price with other major insurers.

9. Donegal Mutual

Best for: drivers who prefer working through an independent agent and want a regional-carrier alternative to the biggest national brands. Learn more about Donegal Mutual and quote through a local agent.

10. Liberty Mutual

Best for: drivers who want a large carrier with a broad menu of optional coverages and service features. Pricing varies a lot by ZIP code in Delaware, so it’s best approached as a “worth checking” quote.

Delaware Minimum Car Insurance Requirements

To register and drive a vehicle in Delaware, you must carry minimum liability coverage plus required personal injury protection coverage (PIP).

Delaware minimum limits include:

• Bodily injury liability: $25,000 per person / $50,000 per accident
• Property damage liability: $10,000 per accident
• PIP (Personal Injury Protection): $15,000 per person / $30,000 per accident

PIP is a key difference in Delaware. It helps pay medical bills (and certain other losses) for you and your passengers after an accident, regardless of fault, up to your purchased limits.

Most drivers choose limits higher than the minimum—especially because modern repair costs and medical bills can exceed minimum limits quickly. If you’re financing or leasing your car, your lender will also usually require “full coverage” (typically comprehensive + collision) to protect the vehicle.

If you want to compare required coverages across the U.S., see our state-by-state auto insurance requirements guide.

Driving Without Insurance in Delaware

Driving without insurance in Delaware can trigger severe fines, suspensions, and DMV complications. Police may ask for proof of insurance during a stop or after a crash, and the DMV can also audit registered vehicles for insurance compliance.

If you are convicted of driving uninsured in Delaware, penalties can include:

• Fines: a minimum of $1,500 for a first offense and a minimum of $3,000 for subsequent offenses within a three-year window
• License suspension: commonly six months
• Registration consequences: your registration (and license plates) may be suspended and you may be required to surrender tags before cancelling insurance

Separately from a traffic stop, Delaware DMV audits can also create penalties for coverage lapses. If the DMV determines your vehicle was uninsured, it can assess a penalty (often starting at $100 for the first 30 days) and additional daily amounts after that.

If you’re stopped and can’t show proof, start here: caught driving without insurance. And if a lapse leads to plate or registration issues, this guide explains how registration may be suspended and what typically comes next.

Delaware Car Insurance Rates by Driver Profile

Delaware’s baseline costs matter, but your personal profile can move your price dramatically. Here’s what to expect if you fall into one of these common “higher-rate” categories.

Car Insurance in Delaware After a DUI

A DUI/DWI is one of the biggest premium drivers in every state. You’ll usually see a large increase at renewal, and some carriers may decline your policy after multiple convictions. Here’s what typically happens: will raise car insurance rates.

The best approach is to shop broadly and compare multiple carriers—some insurers are more competitive for high-risk drivers than others. Start here if you’re trying to find cheap DUI/DWI car insurance after a conviction.

Car Insurance in Delaware With At-Fault Accidents

An at-fault accident can raise your premium for several years, but the surcharge varies by insurer. If you’re otherwise claim-free, shopping around at renewal is often the fastest way to reduce the increase.

Car Insurance in Delaware With Speeding Tickets

Speeding tickets usually cause smaller increases than DUIs or at-fault crashes, but multiple tickets can push you into a higher-risk tier. The best move is to compare quotes and look for carriers that price minor violations more gently. Use this guide for drivers with speeding tickets.

Car Insurance in Delaware for Young Drivers

Young drivers tend to pay the most for car insurance because insurers price based on experience and claim patterns. To lower costs, compare multiple companies, ask about good student discounts, and consider telematics programs if you drive safely. This guide explains how to find cheapest car insurance for young drivers.

Car Insurance in Delaware With Poor Credit

Delaware insurers may use credit-based insurance scoring, and a weaker score can raise premiums. The impact varies by company, which makes shopping around especially important. Here’s how credit score affects your car insurance rates and what you can do to reduce the damage over time.

SR-22 Insurance and the FR-19 Form in Delaware

Delaware drivers may need an SR-22 if they’re considered high-risk (for example, after certain violations or repeated offenses). An SR-22 is not a type of insurance—it’s a filing your insurer submits to prove you’re carrying the required coverage. If you need one, you’ll usually pay more, and you must keep coverage active with no lapses. If you’re trying to keep costs down, start here: obtain SR-22 insurance.

Delaware also uses an insurance certification called the FR-19. The DMV may request an FR-19 during an insurance audit to confirm your vehicle has been continuously insured and coverage is currently in force. Only your insurer (or agent) can submit it. Learn more here: the FR-19 form.

FAQs About Car Insurance in Delaware

Conclusion: How to Find the Best Auto Insurance in Delaware

Delaware car insurance can be expensive, but you can often save hundreds per year by comparing quotes, choosing the right coverage limits, and stacking discounts. Start with 3–5 quotes from a mix of national and regional insurers, confirm you’re comparing the same limits and deductibles, and prioritize a company you trust to handle claims well.