Delaware Car Insurance Calculator
Calculate your auto insurance cost in Delaware. Compare with state averages and find savings.
$1,834
Avg Annual Premium
25/50/10
Min Liability
Monthly Avg
$153
Full Coverage
$2,389
Min Coverage
$623
Uninsured Rate
9.4%
Delaware Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$10,000
Additional Requirements
PIP RequiredYes ($15,000 min)
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Delaware
PIP requirementUrban densityCoastal weather
Major Metro Areas in Delaware
WilmingtonDoverNewark
FAQ
Delaware Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Delaware
The average annual car insurance premium in Delaware is $1,834, or about $153 per month. Full coverage averages $2,389 annually, while minimum coverage averages $623. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Delaware requires minimum liability coverage of 25/50/10 ($25,000/$50,000 for bodily injury and $10,000 for property damage). Delaware also requires Personal Injury Protection (PIP) with a minimum of $15,000.
Key factors affecting Delaware car insurance rates include: PIP requirement, Urban density, Coastal weather. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 9.4% of drivers in Delaware are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Delaware car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Delaware include: State Farm, GEICO, Progressive, Allstate, Liberty Mutual. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
DE Insurance Costs
Average premiums in Delaware:
- Annual Average$1,834
- Monthly Average$153
- Full Coverage$2,389
- Minimum Coverage$623
DE Requirements
Minimum coverage required:
- Liability25/50/10
- PIP RequiredYes
- UM RequiredNo
- Uninsured Rate9.4%
Top DE Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Allstate
- •Liberty Mutual