Get a Delaware car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Delaware
Delaware auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundling and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programDelaware minimum car insurance requirements (25/50/10)
It's illegal to drive without car insurance in Delaware. To drive legally, you need to have at least the following coverage amounts and minimums in Delaware.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $10,000 per accident |
Check out the Delaware Insurance Department for more details.
Average cost of car insurance in Delaware, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Delaware is about $2,484 per year.
Drivers in Delaware will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap car insurance in Delaware?
Finding the cheapest car insurance in Delaware may sound great, but a low-cost policy may not pay out when you need it.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Delaware car insurance FAQs
- To buy a policy, you'll typically need a few basics: your driver's license, your vehicle's make, model, and VIN, and some details about how and where you drive.
If you're switching, it helps to have your current coverage information handy. At a minimum, Delaware drivers need Liability Coverage plus Personal Injury Protection (PIP). Once you have your details ready, you can get a quote online in minutes and customize your coverage so you only pay for what you need. You may also qualify for discounts that could help lower your rate.
- Delaware requires Liability Coverage and PIP, but those minimums may not be enough if you're involved in a serious accident. Many drivers choose to add Collision and Comprehensive Coverage to help protect their own vehicle, along with Uninsured/Underinsured Motorist Coverage in case they're hit by a driver who has little or no insurance. Higher liability limits can also offer more financial protection. The right mix depends on your budget, your vehicle, and how much risk you're comfortable with. A quick quote can help you compare options.
- Uninsured Motorist Coverage isn't part of Delaware's mandatory liability minimum, but it's worth considering. If you're in an accident with a driver who has no insurance or not enough to cover your costs, this coverage can help pay for your injuries.
With an estimated 18% of drivers in Delaware uninsured, many drivers add it for extra peace of mind, and it's often available at a relatively low cost alongside Underinsured Motorist Coverage. You can talk through your options when you get a quote and decide what makes sense for you.
- There are several ways you could lower your premium. Bundling your auto and home policies through our Multi-Policy Discount is one of the simplest, and you may also lower your premium by insuring multiple cars, going paperless, or being a safe driver.
Our RightTrack® program could help you save up to 30% by sharing your safe-driving habits.3 Raising your deductible or reviewing your coverage so you only pay for what you need can help too. Getting a quote is a quick way to see which savings you might be eligible for.