Best Auto Insurance in Delaware (2025)
Compare top-rated auto insurance companies in Delaware. Find affordable coverage that meets DE state requirements and save up to 40% on your premium.
$1,398
Avg. Annual Premium
25/50/10
Minimum Coverage
Wilmington
Largest City
990,000
Population
Delaware Auto Insurance Requirements
Delaware requires PIP (Personal Injury Protection) coverage of at least $15,000.
Minimum Liability Coverage: 25/50/10
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Delaware
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Delaware can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Delaware use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Delaware Auto Insurance FAQs
What is the minimum auto insurance required in Delaware?
Delaware requires minimum liability coverage of 25/50/10 (bodily injury per person/per accident/property damage). Delaware requires PIP (Personal Injury Protection) coverage of at least $15,000.
How much does car insurance cost in Delaware?
The average annual car insurance premium in Delaware is $1,398. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Delaware?
Key factors affecting Delaware auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Wilmington typically pay more than those in rural areas.
How can I find cheap car insurance in Delaware?
To find affordable car insurance in Delaware: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
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