Car Insurance in Delaware (2026)
Delaware drivers pay an average of $2,350 per year for full-coverage car insurance. The state requires minimum liability coverage of 25/50/10 (bodily injury per person/per accident/property damage in thousands). Key factors affecting rates in Delaware include small state with dense traffic and no-fault pip. Comparing quotes from multiple carriers is the best way to find affordable coverage in Delaware, as rates can vary significantly between providers for the same driver profile and coverage level.
$2,350
$196/mo
25/50/10
BI per person/accident/PD
+2%
Above average
GEICO
Most popular in state
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Top Car Insurance Companies in Delaware
Delaware Minimum Coverage Requirements
Delaware requires 25/50/10 liability plus $15,000 PIP and $10,000 property damage.
Important: State minimums are the legal floor, not the recommended coverage level. Most financial experts recommend at least 100/300/100 for adequate protection.
Factors Affecting Rates in Delaware
Delaware Car Insurance FAQ
Disclaimer: The information on this page is for general informational purposes only and does not constitute insurance advice. Average premium data is sourced from the Insurance Information Institute and publicly available state data (2024-2025). Actual rates vary significantly based on your specific driving record, age, vehicle, location, coverage selections, and other factors. Always verify coverage requirements with the Delaware Department of Insurance and get personalized quotes from carriers.