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Car Insurance in Delaware (Updated May 2024)

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Delaware Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Delaware specifically, drivers are paying 20% more for car insurance than the national average, with Full Coverage costing Delaware drivers an average of $227 per month

Similar to other states, the rates in Delaware can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Delaware. Read on to learn more about properly insuring your car in Delaware. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Delaware Car Insurance Laws

In Delaware, all registered vehicles must have liability insurance and personal injury protection coverage. You must keep a copy of your insurance card handy when driving and present it to a police officer upon request.

Delaware’s car insurance minimums are:

  • $25,000 for the death or injury of one person
  • $50,000 for the death or injury of two or more people
  • $10,000 for property damage
  • $15,000 PIP for one person
  • $30,000 PIP per accident

Delaware’s minimum liability requirements are similar to the national average. 

Proof of Insurance

If caught driving without insurance in Delaware ... your vehicle's registration will be automatically suspended [after multiple violations]. ” 

Delaware regularly audits licensed drivers and vehicle owners for insurance compliance. If caught driving without insurance in Delaware, you may receive a $1,500 fine for the first offense and $3,000 for subsequent violations. Your vehicle’s registration will be automatically suspended. 

Delaware doesn’t have a new car insurance grace period, so getting coverage is important before driving a newly purchased vehicle. If you use a loan to buy a car, check with your lender to see if they require additional insurance coverage. Some banks may ask you to purchase collision or comprehensive insurance as a prerequisite for the loan.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Delaware?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Delaware?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Delaware?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.