Cheap Car Insurance in Delaware for 2024 (Save With These 10 Companies)

Cheapest in Delaware: AAA

2,934 reviews

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4.1

Table of Contents

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Company Facts

Min. Coverage in Delaware

$23/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Multiple discounts available for members
• Bundling options
• AAA member perks
• Superior financial strength rating
• Roadside assistance coverage included
• Coverage options for liability, collision, and comprehensive insurance

• Expensive rates
• Below-average scores for customer service and the handling of claims
• Not available in all states or areas
• AAA membership required for purchasing car insurance

» AAA Car Insurance Review

2,934 reviews

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2nd Cheapest in Delaware: Travelers

1,731 reviews

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4.1

Company Facts

Min. Coverage in Delaware

$43/mo

A.M. Best Rating

A++

Complaint Level

Low

» Travelers Car Insurance Review

1,731 reviews

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3rd Cheapest in Delaware: Progressive

13,128 reviews

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4.1

Company Facts

Min. Coverage in Delaware

$47/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Affordable rates for high-risk drivers
• It’s easy to get a Progressive auto insurance quote online
• Snapshot can help low-mileage, safe drivers save money

• Expensive rates for teen drivers
• Customer service ratings aren’t as good as competitors

» Progressive Car Insurance Review

13,128 reviews

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For cheap car insurance in Delaware, top companies like AAA, Travelers, and Progressive offer rates as low as $23 per month. These providers offer good prices and solid coverage, making them a good choice for drivers in Delaware.

This article breaks down the best deals out there, what influences insurance rates, and how you can snag an affordable policy for your driving needs in Delaware. We’ll also cover different coverage options, local providers, and share some tips to save money by comparing online car insurance quotes while meeting Delaware’s insurance requirements.

Our Top 10 Company Picks: Cheap Car Insurance in Delaware

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$23	A	Membership Benefits	AAA
	#2	$43	A++	Broad Coverage	Travelers
	#3	$47	A+	Innovative Tools	Progressive
	#4	$53	A++	Low Rates	Geico
	#5	$55	B	Strong Service	Erie
	#6	$61	B	Local Agents	State Farm
	#7	$68	B	Family Coverage	American Family
	#8	$83	A	Customizable Policies	Farmers
	#9	$108	A+	Extensive Network	Allstate
	#10	$259	A	Unique Discounts	Liberty Mutual

If you’re just looking for coverage to drive legally, enter your ZIP code above to compare cheap auto insurance quotes near you.

#1 – AAA: Top Overall Pick

Pros

• Unbeatable Minimum Coverage Rate: AAA’s $23 monthly premium is the most budget-friendly option in Delaware, significantly undercutting competitors.
• Robust Roadside Assistance: Delaware members benefit from AAA’s renowned emergency services, enhancing the value of their low-cost policy.
• Vacation Planning Perks: Policyholders can access AAA’s travel agency services, adding unique value to their affordable auto coverage. Read our AAA insurance review for more information.

Cons

• Limited Online Policy Management: Delaware customers may find AAA’s digital tools less advanced compared to tech-savvy competitors.
• Strict Underwriting Criteria: Some Delaware drivers might not qualify for AAA’s cheapest rates due to stringent acceptance standards.
• Potential for Cross-Selling Pressure: AAA agents in Delaware may push additional products, potentially increasing overall costs.

#2 – Travelers: Best for Broad Coverage

Pros

• Affinity Group Discounts: Delaware members of partner organizations can access exclusive rate reductions with Travelers.
• Green Car Discount: Environmentally-conscious Delaware drivers with hybrid or electric vehicles enjoy lower premiums.
• Home Insurance Expertise: Delaware homeowners can benefit from Travelers’ strong reputation in property coverage when bundling policies (Read More: Bundling Home and Auto Insurance With Travelers).

Cons

• Less Competitive for Older Vehicles: Delaware drivers with aging cars might find better rates elsewhere despite Travelers’ generally affordable premiums.
• Complex Quote Process: Delaware drivers report that obtaining an accurate online quote can be time-consuming and confusing.
• Fewer Discount Options for Renters: Delaware customers who don’t own homes have limited opportunities for multi-policy savings with Travelers.

#3 – Progressive: Best for Innovative Tools

Pros

• Custom Parts Coverage: Delaware drivers with modified vehicles can protect their investments with this specialized add-on. Read our article titled “How do I appeal an car insurance claim with Progressive?” for more information.
• Deductible Savings Bank: Policyholders can lower their collision deductible by $50 for each claim-free period in Delaware.
• Snapshot Roadside: This optional feature provides low-cost assistance for Delaware drivers, enhancing their basic coverage.

Cons

• No Gap Insurance: Delaware drivers with auto loans must seek this coverage elsewhere, potentially complicating their insurance needs.
• Mixed Bundling Experience: Some Delaware customers report challenges when combining auto with other Progressive policies.
• Inconsistent Rate Stability: Delaware policyholders sometimes experience significant premium increases at renewal, despite no changes in their driving record.

#4 – Geico: Best for Low Rates

Pros

• Federal employee discount: Government workers in Delaware benefit from Geico’s historical connection to this sector.
• Mechanical Breakdown Coverage: This alternative to extended warranties provides value for Delaware drivers with newer vehicles.
• Strong Mobile App: As mentioned in our Geico insurance review, Delaware policyholders praise Geico’s user-friendly digital tools for policy management and claims.

Cons

• Limited Personalized Service: Geico’s primarily digital model might dissatisfy Delaware customers who want devoted agents for ongoing support.
• Fewer Local Repair Shop: Geico’s approved facility network in Delaware may be smaller than some regional insurers.
• Less Flexible Payment Options: Geico provides fewer choices for premium payment schedules in Delaware compared to some competitors.

#5 – Erie: Best for Strong Service

Pros

• Auto Glass Repair Deductible Waiver: Policyholders in Delaware can get windshield repairs without paying a deductible.
• Personal Item Coverage: Erie extends protection to belongings inside the vehicle, a unique perk for Delaware drivers.
• Erie Rate Lock: This feature allows Delaware customers to avoid premium increases except for major policy changes (Read More: Bundling Home and Auto Insurance With Erie).

Cons

• Basic Digital Tools: Erie’s online platform and mobile app for Delaware customers lack some advanced features offered by competitors.
• No Usage-Based Insurance Option: Delaware drivers can’t access potential savings through telematics programs with Erie.
• Less Competitive for Luxury Vehicles: High-end car owners in Delaware might find better specialized coverage elsewhere.

#6 – State Farm: Best for Local Agents

Pros

• Rental Car Coverage: State Farm offers generous limits for replacement transportation in Delaware, exceeding many competitors. For more information, read our article titled “Does State Farm car insurance cover rental cars when I am traveling out of town?“
• Accident-Free Discount: Delaware drivers with clean records for three years or more can access substantial premium reductions.
• Emergency Road Service: This affordable add-on provides peace of mind for Delaware motorists concerned about breakdowns.

Cons

• No Gap Insurance: State Farm doesn’t offer this coverage, which could be important for some Delaware drivers with car loans.
• Rigid Policy Terms: State Farm offers less flexibility in Delaware for customizing coverage levels compared to some competitors.

#7 – American Family: Best for Family Coverage

Pros

• Teen Safe Driver Program: This unique offering helps Delaware’s youngest drivers improve skills and potentially earn discounts.
• CV/PV Coverage: Commercial vehicle policyholders in Delaware can easily add personal use protection.
• Bundling Flexibility: Delaware customers can combine various policies beyond just auto and home for potential savings.

Cons

• Limited Direct Repair Options: American Family’s network of approved shops in Delaware may be smaller than some national insurers.
• Complex Quote Process: Delaware customers report that getting an accurate online estimate can be time-consuming (Read More: How to File an Car Insurance Claim With American Family Insurance Company).

#8 – Farmers: Best for Customizable Policies

Pros

• Unique Farmers Flex coverage: This customizable option allows Delaware drivers to tailor protection levels for different situations.
• Original Equipment Coverage: This add-on ensures genuine manufacturer parts for repairs in Delaware, preserving vehicle value. To file a claim, read our article titled “What documentation do I need to file an car insurance claim with Farmers Insurance?“
• Alternative Fuel Vehicle Discount: Delaware drivers with electric or hybrid cars can access additional savings.

Cons

• Fewer Discounts for Mature Drivers: Delaware policyholders over 55 might find better savings opportunities elsewhere.
• Average Digital Tools: Farmers’ mobile app and online portal receive mixed reviews from Delaware users compared to tech leaders.

#9 – Allstate: Best for Extensive Network

Pros

• Your Choice Auto package: This unique offering in Delaware provides accident forgiveness and safe driving bonuses.
• Claim Satisfaction Guarantee: Unhappy Delaware policyholders can receive a credit if their claim experience is unsatisfactory. Read our article titled “How do I renew my car insurance policy with Allstate?” for more information.
• Deductible Rewards: Policyholders can earn $100 off their deductible each year they’re accident-free, up to $500 in Delaware. Explore all the details in our Amica insurance review.

Cons

• Limited Pay-Per-Mile Availability: Allstate’s Milewise program isn’t offered in all parts of Delaware, limiting options for low-mileage drivers.
• Expensive Add-Ons: Optional coverages in Delaware often come at a higher cost compared to other insurers.

#10 – Liberty Mutual: Best for Unique Discounts

Pros

• 12-Month Rate Guarantee: Unlike many competitors, Liberty Mutual locks in premiums for a full year in Delaware. Understand more through our Amica insurance review.
• Lifetime Repair Guarantee: Liberty Mutual stands behind repairs from approved Delaware shops for as long as you own the vehicle.
• Violation-Free Discount: Delaware drivers can earn savings for three years without tickets or accidents. Learn more about their discounts in our article titled “What car insurance discounts does Liberty Mutual Personal Insurance Company offer?“

Cons

• Potential for Large Renewal Increases: Some Delaware customers report significant premium hikes after the initial policy term.
• Less Transparent Pricing: Delaware drivers often find it challenging to understand all factors influencing their high rates.

Understanding Car Insurance in Delaware

Currently, the minimum required limits in Delaware are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident. Meeting these minimum requirements is important to avoid penalties and potential legal issues.

You can easily determine which insurance provider provides the most affordable minimum and/or comprehensive coverage with this table. For more information, read our article titled “Best Car Insurance Companies for Comprehensive Coverage.”

Delaware Car Insurance Companies Monthly Rates by Provider & Coverage Level

These rates, when compared to the other states, will help the drivers in Delaware make the right decisions in selecting their car insurance providers while bearing in mind the cost and the extent of coverage needed for their cars.

Factors Affecting Car Insurance Rates in Delaware

Young and inexperienced drivers cause high risk, thus they are charged high insurance fees in Delaware. Drivers who have built up their experience and also those that have a claims-free record can be issued cheap insurance for cars.

Cars that are considered luxurious or those that give high performances are more expensive to insure in Delaware. Insurance rates in Delaware vary depending on the type of vehicle being insured.

People who drive in Delaware can anticipate paying less for their car insurance if they are responsible drivers and file claims rarely. If the driver has been involved in many accidents or has been violating the traffic laws frequently, there are high chances that they will not be offered cheap car insurance.

How to Find Cheap Car Insurance in Delaware

If you’re on the hunt for cheap car insurance in Delaware, there are a few easy ways to grab a great deal. Just take a little time to check out your options, and you can save some cash while still getting the coverage you need. See our strategies below:

• Comparison Shopping: Use online tools to compare quotes from multiple insurance providers. Consider the number of features that each possible option includes, the possibilities of each plan, and decide which plan has the highest potential of offering maximum protection for the least amount of money.
• Taking Advantage of Discounts: Look for discounts like safe driver, multi-policy, and vehicle safety feature discounts. Inquire about age-related discounts and consider telematics programs to potentially lower your rates.
• A Clean Driving Record: Practice safe driving, avoid traffic violations, and minimize claims to keep a low-risk profile. Maintaining a good credit score can also positively impact your insurance rates.

Delaware drivers also have a variety of discount options to choose from, depending on the insurance provider. Below is a table outlining the top car insurance companies in Delaware and the discounts they offer, helping you find the best coverage at the most affordable price. (In debt? Click here: How to Get Out of Debt Fast.)

Taking the time to explore these options can lead to substantial savings and make your search for cheap car insurance in Delaware even more successful.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool below to find the best policy for you.