Average Costs for Car Insurance in Delaware:
- In Delaware, the average cost for state minimum liability is $134 a month or $1,606 a year. Full coverage policies cost around $340 a month or $4,079 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes across the state of Delaware – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
What are the Cheapest Car Insurance Companies in Delaware on Average?
- In Delaware on average the cheapest auto insurance providers are GEICO, State Farm and Progressive. State minimum liability car insurance starts at $91 a month or $1,090 a year with GEICO. Full coverage policies start at $229 a month or $2,749 a year with Nationwide.
Here is a breakdown of average costs from the cheapest local insurance providers in Delaware from our data set of used-car drivers who are single, middle aged and have a clean driving record.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $1,090 | $91 | $3,451 | $288 |
| State Farm | $1,255 | $105 | $2,979 | $248 |
| Progressive | $1,303 | $109 | $3,507 | $292 |
| Nationwide | $1,484 | $124 | $2,749 | $229 |
| Allstate | $1,510 | $126 | $5,071 | $423 |
What are State Minimum Auto Coverage Requirements in DE?
State minimum auto insurance protects you and the passengers in your vehicle in the event of an accident. In Delaware, for every vehicle you own, there are minimum requirements that your insurance policy must meet. Your minimum liability insurance must cover:
- $15,000 for death or injury for one person.
- $30,000 for death or injury for two or more persons.
- $5,000 for property damage.
The State of Delaware Department of Motor Vehicles audits all vehicles to ensure all drivers have insurance. If you receive an audit on your vehicle, you must get an Insurance Certification Form (FR-19) from your insurer. If your insurance provider cancels your coverage, it will then file a Notice of Cancellation with the DMV. This notice gives you 30 days to find a new policy.
Delaware Car Insurance Rates by County
When looking for auto insurance, you should always compare multiple rates to get the best deal. Here are the average costs of auto insurance in DE by county:
| Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Kent | $1,097 | $843 | $1,140 | $1,030 | $1,028 |
| New Castle | $1,097 | $843 | $1,140 | $1,030 | $1,028 |
| Sussex | $1,097 | $843 | $1,140 | $1,030 | $1,028 |
Delaware Car Insurance Costs by Popular Cities:
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Tips for Finding Affordable Delaware Auto Insurance
As a resident of Delaware, there are many places you can go to learn more about auto insurance in the state. To start learning about auto insurance, the state DMV offers valuable data, contact details, and up-to-date regulations.
In Delaware, you cannot self-insure or leave a bond to satisfy your financial requirements. Under Regulation 608, every auto insurance provider must provide contact information to the Department of Insurance, including telephone numbers and e-mail addresses. If you have complaints or troubles when finding insurance, you can file arbitration with the Insurance Commissioner’s Office.
You can save money on your auto insurance by:
- Getting quotes from different companies and comparing prices.
- Taking a Defensive Driving Course to lower your rates.
- Asking about discounts for security features, such as anti-lock brakes, air bags, and passive restraint systems.
- Seeking companies that offer bundle discounts for home and auto insurance.
If you are older than 18 and you haven’t bought auto insurance before, you may have to pay higher rates. However, you can save money by asking about discounts that may be available to you. For inexperienced and younger drivers, these include discounts for good grades and driving safely.
Moving to Delaware: Important Information
If you’re moving to Delaware, you must apply for a Delaware driver’s license within 60 days of becoming a resident. To get your license, you will have to go to the local DMV office and turn in the following documents:
- Your out-of-state driver’s license or a copy of your driving record.
- Birth certificate, proof of Social Security Number, and two proofs of Delaware residency.
Once you turn in your papers, you will also have to fill out an application and pass a vision test.
If you’ve purchased a car out-of-state, you have 60 days to title and register your vehicle. Additionally, you are also required to do the following:
- Provide your valid insurance policy.
- Present your vehicle at a DMV office along with your certificate of title or current registration.
- Make sure your vehicle will pass a vehicle inspection.
- Complete a Certificate of Title application (MV-212.)
Driving Laws in Delaware
To minimize risk, you need to be aware of the unique driving laws in the state.
Driving under the influence of drugs or alcohol is illegal and strictly enforced, as it is in every state. If caught with a blood alcohol content (BAC) of 0.08 percent or higher, you risk license suspension, jail time, and fines. According to the Implied Consent law, police officers can chemically test any driver suspected of driving under the influence. Additionally, Delaware’s zero tolerance law allows immediate license suspension for underage drivers with a BAC of 0.02 percent.
Delaware does not have strict driving laws regarding cell phones. Adults are free to use their cell phones while driving, although a hands-free device is recommended. If you are under 18 years of age, any use of cell phones or other devices results in a 30-day license suspension.
What is Delaware Personal Injury Protection (PIP) Insurance?
PIP is a type of no-fault insurance law in Delaware. If you are in an accident, the PIP insurance covers your medical bills and lost wages. However, under Delaware state law, you are still able to sue the person who caused the accident.
