Find Delaware car insurance cost for both new and used cars by auto values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble.
Car insurance in Delaware often costs close to the national average. Drivers here deal with heavy commuter traffic, coastal tourism, and busy highways that can raise claim costs.
Curious about car financing? See real Delaware car loan rates shared by our community. Also find Delaware Best car loan lenders in your area (also community recommended).
Delaware’s 25/50/10 Rule: What It Covers
Delaware law requires drivers to carry liability coverage. This part of your policy pays for injuries and damage you cause to others in a crash.
- $25,000 for injuries to one person. This pays for medical bills if you hurt someone in a crash.
- $50,000 for injuries to more than one person in a single crash. This is the total amount your insurance will pay for all injured people combined.
- $10,000 for property damage. This pays to fix or replace what you damage, like another car, a fence, or a building.
Delaware also requires coverage for injuries caused by uninsured and underinsured drivers. This helps protect you if the other driver has little or no insurance.
MFP Tip: Busy commuter routes can lead to multi-car crashes. Higher property damage limits can help protect you after an accident.
Delaware New Car Insurance Costs
Your price depends on the value of your new car, how much coverage you choose, and your credit history. New cars often cost more to insure because repairs and replacement parts are more expensive.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $343 | $399 | $435 | $702 |
| Standard | $288 | $335 | $365 | $590 | |
| Liability only | $208 | $242 | $264 | $426 | |
| $40K-$60K | Full | $290 | $338 | $368 | $594 |
| Standard | $241 | $281 | $306 | $494 | |
| Liability only | $178 | $207 | $226 | $364 | |
| $25K-$40K | Full | $253 | $295 | $321 | $519 |
| Standard | $210 | $245 | $267 | $431 | |
| Liability only | $158 | $184 | $200 | $323 | |
| Below $25K | Full | $222 | $259 | $282 | $455 |
| Standard | $183 | $213 | $232 | $374 | |
| Liability only | $139 | $162 | $177 | $285 |
Delaware Used Car Insurance Costs
Used cars may cost less to insure, but dropping coverage for your own car can leave you paying out of pocket after a crash, a theft, or storm damage.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $259 | $302 | $329 | $531 |
| Standard | $216 | $252 | $274 | $443 | |
| Liability only | $159 | $185 | $202 | $326 | |
| $15K-$40K | Full | $216 | $252 | $274 | $443 |
| Standard | $179 | $209 | $227 | $367 | |
| Liability only | $135 | $157 | $171 | $276 | |
| Below $15K | Full | $182 | $211 | $230 | $372 |
| Standard | $148 | $172 | $188 | $303 | |
| Liability only | $115 | $134 | $146 | $235 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the state minimum, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
How Credit History Influences Delaware Car Insurance Prices
Insurers can use your credit history when setting your price. Drivers with strong credit often pay less, while drivers with below-fair credit usually pay much more for the same coverage.
In many cases, a driver with weak credit can pay 50 to 65 percent more than a driver with excellent credit, even if both have similar cars and clean driving records.
MFP Tip: If your credit improves, request a new quote before your renewal date. A better credit history can lead to a lower bill.
Finding the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, the 10 percent test can guide your choice. If your yearly coverage cost is more than 10 percent of your car’s value, you may want to keep only liability and drop coverage for your own car.
Why Delaware’s Minimums Can Leave You Paying the Difference
When You Damage Someone’s Property
Many vehicles on Delaware roads cost more than $10,000 to repair. If your limit runs out, the rest of the bill can fall on you.
If You Injure Someone
Medical care and missed work can push costs past $25,000 for a single person. If more than one person is hurt, the $50,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
Coverage for injuries and damage to your own car can help when the other driver has little or no insurance.
What Shapes Delaware Rates
Delaware uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Heavy rain, coastal storms, and seasonal tourism can damage vehicles and lead to claims across the state.
Traffic around Wilmington, Dover, and major routes like I-95 and Route 1 raises the chance of minor crashes and repair costs.
How Delaware Drivers Can Bring Their Insurance Costs Down
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These track how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: If you drive mostly on commuter or coastal routes, ask about low-mileage discounts. Some insurers offer lower rates for drivers who spend less time on the road.
What to Do After Buying a Car in Delaware
You need insurance in place before you can register your vehicle. Dealers often submit paperwork for new cars, while private sales leave the steps to you.
Registration and title work go through the Delaware Division of Motor Vehicles. New residents and in-state buyers have a short window to complete the process.
Review your coverage once a year. As your car’s value drops, you may be able to adjust your policy and lower your costs.
Delaware Best Car Insurance
Find Delaware best local insurers by metro areas based on community recommendations
Wilmington, Dover, Newark, Middletown, Smyrna, Milford
Wilmington Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Wilmington’s area are A.S. Lawrence, agent, Allstate, Dawn Moore Jones, agent, State Farm and Prominent Insurance.
A.S. Lawrence, agent, Allstate (91% Recommend)
- A.S. Lawrence ranks first with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the strongest combined guidance-and-premium profile among the top 3.
- Customer feedback points to helpful policy selection, savings, and support with both home and car insurance needs.
Dawn Moore Jones, agent, State Farm (90% Recommend)
- Dawn Moore Jones ranks second with a 4.8 Support & Guidance rating and ties the top 3’s highest Easy Application score at 4.8.
- Customer feedback and local agent signals support clear quote help, responsive service, and dependable car insurance guidance.
Prominent Insurance (89% Recommend)
- Prominent Insurance ranks third with a 4.8 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, matching A.S. Lawrence on premium satisfaction.
- Customer feedback and agency signals point to statewide Delaware coverage help, easy quote starts, and practical auto insurance guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| A.S. Lawrence, agent, Allstate | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Dawn Moore Jones, agent, State Farm | Insurer | 4.8 | 4.7 | 4.8 | 90% |
| Prominent Insurance | Agency | 4.7 | 4.8 | 4.8 | 89% |
| Connie Barba, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Ray Romano, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Tara McDonald, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Brian Teti, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Sean O’Hagan, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| David Soleye, agent, State Farm | Insurer | 4.6 | 4.5 | 4.6 | 85% |
| Abby Pubusky, agent, State Farm | Insurer | 4.5 | 4.5 | 4.6 | 85% |
| Garland Thompson, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Jim Walsh, agent, State Farm | Insurer | 4.5 | 4.4 | 4.6 | 84% |
| Nationwide Independent Agents | Agency | 4.5 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Dover Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Dover’s area are Lindsay Dougherty, agent, State Farm, Billy Reese, agent, State Farm and Alexandra Vazquez, agent, State Farm.
Lindsay Dougherty, agent, State Farm (91% Recommend)
- Lindsay Dougherty ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong customer care, experienced service, and dependable auto insurance support in Dover.
Billy Reese, agent, State Farm (90% Recommend)
- Billy Reese ranks second with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, matching Lindsay Dougherty on support and leading on premium satisfaction.
- Customer feedback and local office signals support personalized service, clear coverage options, and practical car insurance guidance.
Alexandra Vazquez, agent, State Farm (89% Recommend)
- Alexandra Vazquez ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Billy Reese on service and ease.
- Customer feedback and local agent signals point to strong Dover and Kent County support, clear quote help, and dependable policy guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Lindsay Dougherty, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Billy Reese, agent, State Farm | Insurer | 4.7 | 4.8 | 4.9 | 90% |
| Alexandra Vazquez, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Matt Basile, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Tom Deladvitch, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Taylor Viscount, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Prominent Insurance | Agency | 4.6 | 4.5 | 4.6 | 85% |
| Nationwide Independent Agents | Agency | 4.5 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Newark Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Newark’s area are Heather Broujos, agent, State Farm, Jeff Gardiner, agent, State Farm and Tanja Payton, agent, State Farm.
Heather Broujos, agent, State Farm (91% Recommend)
- Heather Broujos ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-guidance profile among the top 3.
- Customer feedback and local agent signals point to long-running Newark service, clear car insurance help, and dependable quote support.
Jeff Gardiner, agent, State Farm (90% Recommend)
- Jeff Gardiner ranks second with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, matching Heather Broujos on support and leading on premium satisfaction.
- Customer feedback and local office signals support strong car insurance guidance, University of Delaware-area service, and practical policy help.
Tanja Payton, agent, State Farm (89% Recommend)
- Tanja Payton ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Jeff Gardiner on service and ease.
- Customer feedback and local agent signals point to experienced service, clear quote support, and useful New Castle County auto insurance guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Heather Broujos, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Jeff Gardiner, agent, State Farm | Insurer | 4.7 | 4.8 | 4.9 | 90% |
| Tanja Payton, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Mike Broujos, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| John Kater, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Pat McCabe, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Karen Michaels, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 86% |
| Integrity Insurance Agency | Agency | 4.6 | 4.5 | 4.6 | 85% |
| Prominent Insurance | Agency | 4.5 | 4.5 | 4.6 | 84% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
Middletown Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Middletown’s area are Christina McKeown, agent, State Farm, Chuck Montgomery, agent, State Farm and Jeff Ramos, agent, State Farm.
Christina McKeown, agent, State Farm (91% Recommend)
- Christina McKeown ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Middletown service, experienced staff, and helpful auto insurance support.
Chuck Montgomery, agent, State Farm (90% Recommend)
- Chuck Montgomery ranks second with a 4.9 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, matching Christina McKeown on support and leading on premium satisfaction.
- Customer feedback and local office signals support personalized service, comprehensive coverage help, and practical guidance for car insurance shoppers.
Jeff Ramos, agent, State Farm (89% Recommend)
- Jeff Ramos ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Chuck Montgomery on service and ease.
- Customer feedback and local agent signals point to responsive help, clear quote support, and dependable Middletown auto insurance guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Christina McKeown, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Chuck Montgomery, agent, State Farm | Insurer | 4.7 | 4.8 | 4.9 | 90% |
| Jeff Ramos, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Stefanie Wooten, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Prominent Insurance | Agency | 4.6 | 4.6 | 4.7 | 86% |
| Nationwide Independent Agents | Agency | 4.5 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Smyrna Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Smyrna’s area are Matt Basile, agent, State Farm, Christina McKeown, agent, State Farm and Alexandra Vazquez, agent, State Farm.
Matt Basile, agent, State Farm (90% Recommend)
- Matt Basile ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to strong Smyrna service, comprehensive insurance help, and clear auto coverage guidance.
Christina McKeown, agent, State Farm (89% Recommend)
- Christina McKeown ranks second with a 4.8 Support & Guidance rating and a 4.8 Terms & Premium Satisfaction score, the highest premium-satisfaction score among the top 3.
- Customer feedback and local office signals support experienced staff, helpful policy explanations, and dependable car insurance support.
Alexandra Vazquez, agent, State Farm (88% Recommend)
- Alexandra Vazquez ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, placing close to Matt Basile on ease and support.
- Customer feedback and nearby Kent County service signals point to clear quote help, responsive support, and practical coverage guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Matt Basile, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 90% |
| Christina McKeown, agent, State Farm | Insurer | 4.7 | 4.8 | 4.8 | 89% |
| Alexandra Vazquez, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 88% |
| Lindsay Dougherty, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Billy Reese, agent, State Farm | Insurer | 4.6 | 4.6 | 4.7 | 86% |
| Prominent Insurance | Agency | 4.6 | 4.5 | 4.7 | 86% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
Milford Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Milford’s area are Shawn Collins, agent, State Farm, Alexandra Vazquez, agent, State Farm and Lindsay Dougherty, agent, State Farm.
Shawn Collins, agent, State Farm (91% Recommend)
- Shawn Collins ranks first with a 4.9 Support & Guidance rating and a 4.8 Easy Application score, the strongest combined ease-and-support profile among the top 3.
- Customer feedback and local agent signals point to experienced Milford service, strong auto insurance support, and helpful policy guidance.
Alexandra Vazquez, agent, State Farm (89% Recommend)
- Alexandra Vazquez ranks second with a 4.8 Support & Guidance rating and a 4.7 Terms & Premium Satisfaction score, placing close to Shawn Collins on support and value.
- Customer feedback and regional service signals support clear quote help, responsive service, and practical coverage guidance for Milford drivers.
Lindsay Dougherty, agent, State Farm (88% Recommend)
- Lindsay Dougherty ranks third with a 4.8 Support & Guidance rating and a 4.7 Easy Application score, matching Alexandra Vazquez on support.
- Customer feedback and nearby Kent County office signals point to helpful communication, customer care, and dependable car insurance guidance.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Shawn Collins, agent, State Farm | Insurer | 4.8 | 4.8 | 4.9 | 91% |
| Alexandra Vazquez, agent, State Farm | Insurer | 4.7 | 4.7 | 4.8 | 89% |
| Lindsay Dougherty, agent, State Farm | Insurer | 4.7 | 4.6 | 4.8 | 88% |
| Billy Reese, agent, State Farm | Insurer | 4.7 | 4.6 | 4.7 | 87% |
| Prominent Insurance | Agency | 4.6 | 4.6 | 4.7 | 86% |
| Nationwide Independent Agents | Agency | 4.5 | 4.4 | 4.5 | 83% |
| GEICO | Insurer | 4.7 | 4.3 | 4.2 | 81% |
| Progressive | Insurer | 4.6 | 4.3 | 4.2 | 81% |
End Note
Meeting the legal minimum keeps you driving, but coastal traffic, commuter routes, and uninsured drivers can lead to bills that go beyond those limits.
Match your coverage to what you own and what a real crash can cost in Delaware, not just what the law requires.