Some of the most budget-friendly car insurance providers in Delaware include USAA, CSAA, and Root.
Delaware drivers pay $272 monthly on average for full-coverage car insurance, compared to the national average of $186. Your actual premium depends on multiple factors, including your age, your driving history, and where you live. Getting quotes from several insurance companies is the most effective way to discover your personalized rate.
We analyze the most affordable car insurance options in Delaware by coverage type, driver characteristics, and insurance company below.
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Affordable full-coverage car insurance in Delaware
Delaware residents pay $272 per month for full-coverage insurance on average, compared to $186 nationally. Among Delaware’s most affordable options, USAA, CSAA (a regional affiliate of AAA), and Root rank as leading cheapest car insurance providers in the state.
| Average monthly full coverage cost | |
| Delaware average | $272 |
| National average | $186 |
| USAA | $142 |
| CSAA | $142 |
| Root | $199 |
| Progressive | $215 |
Affordable liability-only car insurance in Delaware
Among the most affordable liability car insurance providers in Delaware are also, perhaps unsurprisingly, USAA, CSAA, and Root.
Delaware’s average monthly premium for liability-only coverage sits at $186 per month, compared to the national average of $104.
| Average monthly liability-only cost | |
| Delaware average | $186 |
| National average | $104 |
| USAA | $105 |
| CSAA | $105 |
| Root | $137 |
| National General | $157 |
Cheap car insurance in Delaware by age
Age significantly impacts insurance costs. Car insurance for teens carries the steepest rates, with Delaware policies averaging $447 per month because of limited driving experience.
Premiums drop as drivers enter their twenties, averaging $324 monthly. Costs continue declining as drivers enter their thirties and forties, reaching approximately $289 and $275 per month, respectively.
Rates also differ for seniors. Delaware drivers in their sixties pay an average of $227 monthly, while those in their seventies pay $244. It’s worth noting that USAA offers some of the cheapest car insurance for drivers in their 60s overall.
These age-related premium changes reflect varying risk levels across different age groups, with inexperienced younger drivers considered higher risk. Older drivers may face increased rates due to factors like health conditions and changing driving abilities, or they may enjoy lower rates than other age groups.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $447 | $305 |
| 20s | $324 | $221 |
| 30s | $289 | $197 |
| 40s | $275 | $188 |
| 50s | $260 | $178 |
| 60s | $227 | $155 |
| 70s | $244 | $167 |
Cheap car insurance in Delaware for high-risk drivers
Drivers with accidents or moving violations on their record face higher car insurance premiums. Below are Delaware’s average costs for drivers with accidents, speeding tickets, or DUIs, based on rates for car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $389 | $265 |
| Speeding ticket | $364 | $249 |
| DUI | $438 | $299 |
Compare low-cost car insurance after an accident
For Delaware drivers with accidents on their driving records, USAA, CSAA, and Root provide competitive car insurance rates. Drivers with accidents pay an average monthly full-coverage premium of $389.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $193 | $143 |
| CSAA | $203 | $151 |
| Root | $264 | $182 |
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Compare low-cost car insurance after a speeding ticket
Delaware drivers with speeding violations can find affordable car insurance through USAA, CSAA, and Root. Full coverage for drivers with speeding tickets costs $364 per month on average.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $184 | $137 |
| CSAA | $183 | $136 |
| Root | $268 | $185 |
Compare low-cost car insurance after DUI conviction
Delaware drivers with DUI convictions can secure affordable full coverage car insurance with USAA, CSAA, and Root. Full coverage for drivers with DUI convictions averages $438.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $220 | $164 |
| CSAA | $220 | $164 |
| Root | $309 | $213 |
Cheap car insurance in Delaware by credit score
Delaware drivers with excellent credit pay approximately $216 per month for full coverage auto insurance. Drivers with poor credit pay significantly more, with rates beginning at $340 per month for comparable coverage.
This rate difference demonstrates how credit scores influence insurance pricing, as poor credit typically leads to higher premiums due to insurers’ perception of increased financial risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $216 | $147 |
| Good | $260 | $177 |
| Average | $291 | $199 |
| Poor | $340 | $232 |
FAQs
Delaware drivers can slash their premiums with these budget-friendly providers and smart shopping strategies.
Delaware requires drivers to carry liability coverage of 25/50/10, meaning $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage. The state also mandates Personal Injury Protection coverage of $15,000 per person and $30,000 per accident, making Delaware a no-fault state where your insurance covers medical expenses regardless of who caused the accident.
How does Delaware’s no-fault insurance work?
Delaware operates under a no-fault system where Personal Injury Protection coverage, of which you’re required to have at least $15,000, pays for medical expenses and lost wages for everyone impacted by an accident, regardless of who caused the accident. However, Delaware drivers can still sue for serious injuries that exceed certain thresholds. Health insurance plans can also cover medical expenses resulting from car accidents.
What discounts are available specifically for Delaware drivers?
Delaware law requires auto insurance companies to offer 10% to 15% discounts to drivers who complete approved defensive driving courses. This types of benefit is not mandated in all, or many, states.
Why are Delaware car insurance rates higher than the national average?
Delaware drivers could pay more than the national average for car insurance due to several state-specific factors. The state’s position on the busy I-95 corridor, for example, creates heavy traffic congestion and higher accident rates than some states of its size. Delaware also experiences frequent coastal weather events that damage vehicles and can increase premiums for all drivers.
Bottom line
Although these companies offer some of Delaware’s lowest rates, they may not be the most affordable option for your specific situation. Getting quotes from multiple insurance companies and comparing them based on both price and service quality is the most effective approach to finding the right coverage for you.
Data throughout provided by Insurify.
Save On Your Auto Insurance
- You could save up to $600 with some companies.
- Compare dozens of providers in under 5 minutes.
- Fast, free, and easy way to shop for insurance.
- Quickly find the perfect rate for you.
Based in New York, Stephen Freeman is a Senior Editor at Trending Insurance News. Previously he has worked for Forbes and The Huffington Post. Steven is a graduate of Risk Management at the University of New York.