Car Insurance in Delaware
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Introduction: Car Insurance in Delaware
Delaware has over 950,000 licensed drivers, making auto insurance an essential part of driving in the state. Whether you’re commuting through Wilmington’s city streets, traveling in Dover, or driving along the coastal highways, car insurance in Delaware ensures legal compliance and financial security.
Delaware has higher-than-average car insurance rates due to its dense traffic, high accident rates, and no-fault system. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in Delaware is $1,842, which is above the national average of $1,674.
Delaware Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (25/50/10 Rule)
According to the Delaware Department of Insurance (DDI), drivers must carry at least:
✔ $25,000 for bodily injury per person
✔ $50,000 for bodily injury per accident
✔ $10,000 for property damage per accident
✔ Personal Injury Protection (PIP): $15,000 per person and $30,000 per accident for medical expenses
Why Minimum Coverage May Not Be Enough:
- Medical costs after an accident can exceed $25,000 quickly.
- Vehicle repairs often surpass $10,000, especially for newer models.
- Delaware follows a no-fault system, meaning Personal Injury Protection (PIP) coverage is required to cover medical expenses regardless of fault.
Recommended Full Coverage for Better Protection
Many Delaware drivers opt for full coverage, which includes:
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Important due to Delaware’s storms and coastal flooding |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Crucial since some Delaware drivers lack insurance |
| Medical Payments Coverage (MedPay) | Covers medical expenses regardless of fault | Helpful for drivers with limited health coverage |
Average Cost of Car Insurance in Delaware
Car insurance rates in Delaware vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Delaware Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $872 |
| Full Coverage | $1,842 |
Car Insurance Costs by Major Connecticut Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Wilmington | $1,000 | $2,200 |
| Dover | $920 | $2,000 |
| Newark | $950 | $2,050 |
| Middletown | $910 | $1,950 |
| Smyrna | $880 | $1,900 |
| Milford | $870 | $1,870 |
| Seaford | $860 | $1,850 |
| Georgetown | $840 | $1,800 |
| Lewes | $830 | $1,780 |
| Rehoboth Beach | $850 | $1,820 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-19 Years | $3,800 – $5,800 | $6,500 – $8,500 |
| 20-24 Years | $1,900 – $2,800 | $3,800 – $5,200 |
| 25-34 Years | $1,200 – $1,900 | $2,800 – $3,800 |
| 35-44 Years | $1,000 – $1,700 | $2,500 – $3,500 |
| 45-54 Years | $950 – $1,500 | $2,300 – $3,200 |
| 55+ Years | $900 – $1,400 | $2,000 – $3,000 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and higher accident risks. Many insurers offer good student discounts to help lower costs.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain higher than mid-age drivers.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to lower accident risks and a longer driving history.
✔ Senior Drivers (70+ Years): Rates increase again as older drivers face higher accident risks due to slower reaction times and medical conditions.
Factors Affecting Car Insurance Rates in Delaware
Several factors influence car insurance rates in Delaware, including:
- No-Fault Insurance System: Delaware’s no-fault law requires Personal Injury Protection (PIP) coverage, increasing costs.
- Driving Record: Accidents, DUIs, and speeding tickets significantly impact rates.
- Location: Urban areas like Wilmington and Newark have higher rates due to congestion and theft.
- Credit Score: Delaware insurers use credit history when determining premiums.
- Annual Mileage: More miles driven increases accident risk.
- Vehicle Type: High-performance and luxury vehicles cost more to insure.
- Weather Conditions: Delaware’s hurricanes, floods, and heavy rains contribute to higher insurance claims.
- Coverage Level: Full coverage costs more but provides better financial protection.
Best Car Insurance Companies in Delaware (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Average Annual Cost (Full Coverage) |
|---|---|---|
| GEICO | Cheapest Rates | $1,750 |
| State Farm | Best for Customer Service | $1,800 |
| Progressive | Best for High-Risk Drivers | $2,000 |
| Allstate | Best Full Coverage Options | $2,200 |
| USAA | Lowest Rates for Military | $1,700 |
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FAQs
Delaware law requires 25/50/10 liability coverage: $25,000 per person for injuries, $50,000 per accident, and $10,000 for property damage, plus $15,000 in Personal Injury Protection (PIP).
The average minimum coverage costs around $73 per month, while full coverage averages $154 per month.
Smaller cities like Georgetown and Lewes tend to have lower rates compared to Wilmington.
No, Delaware does not require uninsured motorist coverage, but it is highly recommended.
Yes, but high-risk drivers may face higher premiums. Taking defensive driving courses and shopping around can help lower costs.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.