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Cheapest Car Insurance Rates In Delaware (2018)

If you’re searching for cheap car insurance in Delaware, it’s easy to feel lost with so many companies competing for your business. To save you time and a major headache, our Geeks evaluated the best insurance quotes from nine leading providers in DE.

To make our study even more helpful, we crunched the numbers and determined the most affordable rates for these driver types:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$/month estimate

$/month estimate

We found that Geico offers the lowest rates for drivers in Delaware who haven’t caused any accidents recently. Drivers in this group are less of a risk to insurance companies, so it’s easier for them to find low cost auto insurance. But even if your traffic record is spotless, the quotes you get from one provider can be significantly different from another, so we recommend that you check rates from both Geico and Progressive.

Our estimates are based on coverage limits that are above the state’s minimum requirements (see Methodology section below). The driver we used in this part of our study was a 29 year old who had a clean driving record and drove 12,000 miles per year.

Best Rates For Teen Drivers

$/month estimate

$326/month estimate

Since teenagers have the highest rate of accidents out of all drivers, they’re viewed as a higher risk by insurance companies. Auto insurance prices for teenagers can vary widely from one company to the next. In our study, the hypothetical driver was an 18 year old with a clean record. The estimates for this driver category are based on the state’s minimum required coverage.

Best Rates For Drivers With A DUI

$/month estimate

$265/month estimate

If you’ve been convicted of drunk driving, the fines, legal expenses, and attorneys’ fees are just the beginning. You might also see a substantial increase in your car insurance premiums.

We found that these two companies offered the lowest rates for drivers who have a DUI or DWI conviction on their record in Delaware. Our hypothetical motorist was age 29 and had a clean driving record except for one DUI conviction with a BAC of 0.08.

Best Rates For Senior Drivers

$/month estimate

$137/month estimate

Our study used a driver age 65 who commuted one-third the number of miles as our 29-year-old test driver. If you’re looking for cheap car insurance for seniors in Delaware, consider getting quotes from Geico and State Farm.

STUDY METHODOLOGY

The vehicle used in our study was a 2014 Toyota Corolla that was driven 12,000 miles per year. Our data incorporated monthly auto insurance premiums from five zip codes for both males and females. With the exception of the “teenage driver” category, all estimates are based on having liability coverage limits of 50/100/25 and the same limits for uninsured motorist coverage.

What Is The Minimum Car Insurance Requirement For Drivers In Delaware?

In the state of Delaware, drivers must carry auto insurance that meets the following minimum limits:

  • $15,000 for Bodily Injury Liability Per Person
  • $30,000 for Bodily Injury Liability Per Accident
  • $10,000 for Property Damage Liability
  • $15,000 in Personal Injury Protection (PIP) for Bodily Injury Per Person
  • $30,000 in PIP Coverage for Bodily Injury Per Accident

 

cheapest car insurance in delaware

Still have unanswered questions about auto insurance? Learn more on our blog.

 

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