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Cheap Car Insurance in Delaware

car insurance in delawareWith so many companies offering Delaware automobile insurance policies, how do you know what policy is right for you? Buying auto insurance has never been easier, thanks to the Internet. Whether you live in Wilmington, Dover, Newark, Pike Creek or Bear, you can obtain the best coverage through, which provides quotes from top ten insurance companies in Delaware – and avoid the pushy salespeople. The best way to understand your own car insurance needs is to obtain a few comparison quotes, examine potential policies and know how much you are willing to pay for your auto insurance coverage.

Delaware Auto Insurance – Average Premiums

State averages in Delaware are a little higher than most other states – drivers might be looking at a state average of $150 each month or more. Naturally, some areas will be more costly (such as Pike Creek, with monthly rates as high as $194 or more) and some cities, such as Dover, could cost as little as $110/mo or less.

Average Auto Insurance Costs in Delaware Legend: Major City Bear Dover Newark Pike Creek Wilmington State Average 20 40 60 80 100 120 140 160 180 $142 $110 $130 $194 $172 $150


Delaware is the sixth most expensive state in the country due to a variety of factors. Some of these factors include what make and model of car you have, your gender, age, and your driving record, will affect your Delaware vehicle insurance rate quote.

Important Delaware Auto Insurance Laws and Requirements

Delaware is a tort state, and the driver who is at fault in the accident must pay the victim’s medical expenses. The state has an add-on no-fault auto insurance laws which allows you to buy personal injury protection as an additional coverage. This optional policy pays benefits to the injured without regard to who caused the accident. The state currently doesn’t require Uninsured Motorist Bodily Injury coverage.

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Personal Injury Protection 15,000/30,000 15,000/30,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Choosing the Right Amount of Delaware Car Insurance Coverage

There are certain vehicles which might benefit from less coverage than more. Older vehicles, or cheaper ones, might not need six figures worth of coverage purchased. Conversely, a new and expensive vehicle might not be fully protected with the bare minimum state coverage purchased.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Bear Dover Newark Pike Creek Wilmington State Average 20 40 60 80 100 120 140 160 180 200 220 $99 $186 $76 $145 $90 $170 $89 $145 $121 $223 $95 $174


Delaware DUI Laws

Drivers will face the following penalties for the first DUI offense in the state: 1 year if BAC 0.08%, 2 years if BAC is greater than 0.20%. If you were stopped for DUI conviction, uninsured auto accident, or driving without proof of insurance, you will need to file SR-22 which will serve as a proof of insurance in the next 3 years after the offense. And of course, you can expect to see a higher automotive insurance bill after your provider receives notification that you have been convicted of a DUI violation.

DUI Car Insurance Costs in Delaware Legend: Clean Record DUI Violation Bear Dover Newark Pike Creek Wilmington State Average 15 30 45 60 75 90 105 120 135 150 $99 $141 $76 $114 $90 $133 $89 $114 $121 $159 $95 $132


Age Limit Laws

Delaware teenagers can start to apply for their learner stage permit once they reach 16 years of age. That learner stage permit is good for their first 6 months of driving. During those 6 months, the young driver must accumulate 50 hours of supervised driving (and 10 hours at night) before applying for an intermediate stage permit. The intermediate permit is good for another 6 months, during which the young driver cannot be on the road between the hours of 10:00 PM- 6:00 AM, and cannot have more than 1 non-family passenger in the car with them. At 17 years of age, they are eligible to apply for a full driver’s license.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Bear Dover Newark Pike Creek Wilmington State Average 50 100 150 200 250 300 350 400 450 $356 $277 $327 $327 $466 $351


Credit Score Laws and Regulations

In many states, it is perfectly legal for your insurance provider to evaluate your private credit information when deciding how much to charge you each month. And the lower your credit score is, the higher the monthly rate you will end up paying for your automotive insurance coverage within the state of Delaware.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Bear Dover Newark Pike Creek Wilmington State Average 20 40 60 80 100 120 140 160 180 200 $74 $169 $56 $128 $67 $154 $66 $128 $89 $209 $71 $158


Insuring your Vehicle in Delaware

Contrary to what most drivers think they know about state laws, the truth is that your insurance policy is tailored more so based on your vehicle than you, the driver. This means if your vehicle is involved in any sort of accident – even if you aren’t driving it at the time – you can be held financially responsible. For this reason, the make and model are very important facts for your insurer to know before they issue a policy out on your vehicle.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Bear Dover Newark Pike Creek Wilmington State Average 25 50 75 100 125 150 175 200 225 $99 $200 $76 $160 $90 $185 $89 $160 $121 $243 $95 $189


Additional Delaware Auto Insurance Laws and Requirements

All of the laws we have discussed above will make a significant impact on how high or low your monthly rates are at the end of the day. But knowing the basics of your state’s everyday traffic laws is also a helpful way to keep your insurance rates as low as possible.

Highway Safety Laws

The state of Delaware recognizes that there are certain driving behaviors which, if left unchecked, could create a potentially dangerous situation on the road. If you are pulled over and convicted of at least three of the following, you can be cited for aggressive driving in addition to: failure to obey traffic control devices, passing on the right, following too closely, driving outside traffic lanes, failure to yield, passing a stopped school bus, failure to signal, or speeding.

Aggressive Driving Yes
Cell Phones and Texting Laws Yes
Inc. Penalty for High BAC BAC 0.16
Admin. License Susp. on 1st Offense 90 days

Speed Limits and Cell Phone Use

More and more states are gradually passing bans on cell phone use while driving. Delaware is one of those states which has a primary, all-driver ban on both texting, as well as talking on a cell phone while operating a motor vehicle. Should a law enforcement official catch you doing so, they can pull you over and ticket you for that violation alone.

Rural Interstate 55mph
Urban Interstate 55 mph
Other Limited-Access 65 mph

Important Delaware Contacts

Delaware Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Delaware Website

Delaware Department of Insurance

How to contact directly:

Delaware Dept. of Insurance
841 Silver Lake Blvd.
Dover, DE 19904
Phone: 1-302-674-7300
Toll Free: 1-800-282-8611

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