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Best Cheap Auto Insurance in Delaware

States have the ability to individually set laws and exact punishments regarding liability insurance, fraud, and local statutes regarding matters that are not under Federal jurisdiction. Below is some information regarding insurance fraud statistics, alcohol-related accident statistics, liability insurance information, and some fun facts about the state of Delaware.

Required Insurance information for Delaware

One of the smallest and safest states in the Union, Delaware also has one of the lowest mandatory liability insurance rates in the nation. To meet the state's legal liability requirement, one must purchase a policy that has a minimum of:

  • $15,000 bodily injury liability insurance
  • $30,000 per accident liability limit
  • $10,000 property damage liability insurance

Cheapest Auto Insurance Quotes in Delaware

Wilmington Auto Insurance

Before the American Revolution, Wilmington was under Swedish, Dutch and British rule. It became a key industrial city during the Civil War. In more modern times, the city has become a center of banking and finance.

The Grand Opera House hosts live performances throughout the year, ranging from Broadway plays to the ballet. The Delaware Art Museum has a wide ranging collection of exhibits, including murals, illustrations and sculptures. The Nemours Mansion and Gardens, the former home of Alfred DuPont, offers tours and includes formal French gardens.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Wilmington $1,953.00 $1,583.00 $1,919.00 $1,792.00 $1,972.00 $1,904.00 $1,548.00 $1,872.00 $1,747.00 $1,920.00

Dover Auto Insurance

Dover is the capital of Delaware and the second largest city in the state. The city was named for Dover, England, and was once a stop on the Underground Railroad. Dover Air Force Base is a major economic contributor to the region.

The Air Mobility Command Museum has a large collection of aircraft built for air refueling and airlift missions. Gaming is available at Dover Downs Casino. The Old State House, which served as the state capitol until 1933, is now a museum that hosts tours and events.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Dover $1,536.00 $1,250.00 $1,510.00 $1,421.00 $1,562.00 $1,496.00 $1,222.00 $1,472.00 $1,385.00 $1,520.00

Newark Auto Insurance

Newark is home to the University of Delaware and is near the state's border with Maryland. The city was settled in the 1690s and incorporated in 1951. Newark was once a manufacturing center with many mills, but education now dominates the city's economic activity.

White Clay Creek State Park offers hiking, biking and horseback riding. History buffs will want to stop at Cooch's Bridge, the site of a Revolutionary War battle. The University of Delaware has a number of interesting attractions, including the Paul R. Jones Collection of African American Art and the Mineralogical Museum.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Newark $1,909.00 $1,550.00 $1,876.00 $1,752.00 $1,929.00 $1,860.00 $1,516.00 $1,829.00 $1,708.00 $1,876.00

Middletown Auto Insurance

Middletown is near the border with Maryland and grew up as a crossroads. The city was incorporated in 1861. It is known as the "Diamond Town in the Diamond State" because the city's planners set boundaries in the shape of a diamond.

The city hosts the Old Thyme Peach Festival each year. Silver Lake Park has baseball fields and a pool. The Canal Museum is a replica of a lock tender's house and allows visitors to see what it was like to work along a canal.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Middletown $1,758.00 $1,423.00 $1,722.00 $1,614.00 $1,782.00 $1,713.00 $1,391.00 $1,678.00 $1,574.00 $1,734.00

Smyrna Auto Insurance

Smyrna was settled before the American Revolution and became a center of shipbuilding. It was also a transportation hub for agricultural products. Smyrna is near Dover and shares in that city's economic base.

Visitors looking for outdoor activities may go to Smyrna Municipal Park and Lums Pond State Park. The Smyrna Museum is the home of the Duck Creek Historical Society and maintains a collection of local photographs, documents and artifacts linked to regional history. Belmont Hall was built in 1773 and now hosts tours and other events.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Smyrna $1,556.00 $1,260.00 $1,522.00 $1,430.00 $1,579.00 $1,518.00 $1,232.00 $1,485.00 $1,394.00 $1,538.00

Milford Auto Insurance

First settled in 1680, Milford was incorporated in 1807. Shipbuilding and agriculture were important economic activities in the early years of the city. Milford is south of Dover and on the Mispillion River.

Popular annual events include the Riverwalk Freedom Festival and the Bug & Bud Festival. The city's historic downtown district has many shops, art galleries and restaurants. Outdoor recreation can be found at Abbott's Mill Nature Center and DuPont Nature Center at Mispillion Harbor Reserve.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Milford $1,452.00 $1,180.00 $1,426.00 $1,354.00 $1,482.00 $1,414.00 $1,154.00 $1,390.00 $1,320.00 $1,443.00

Seaford Auto Insurance

Seaford is on the Nanticoke River in the western part of Delaware near the border with Maryland. The city was incorporated in 1865. Poultry farming and nylon production were important economic drivers for the city.

The Governor Ross Mansion is a preserved Victorian home that belonged to the popular governor that is open for tours and special events. The Seaford Museum includes a variety of local artifacts and is housed in a former post office. The Marvel Carriage Museum has a collection of antique carriages, including a Disney carriage and a peddler's carriage, housed in renovated historic buildings.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Seaford $1,457.00 $1,184.00 $1,430.00 $1,360.00 $1,491.00 $1,418.00 $1,156.00 $1,392.00 $1,324.00 $1,449.00

Georgetown Auto Insurance

Georgetown was named the seat of Sussex County in 1791. The city was named after Commissioner George Mitchell. Georgetown is in the central southern portion of Delaware.

Treasures of the Sea is a collection of items salvaged from a 17th century shipwreck of a Spanish vessel that sank during a hurricane. The Georgetown Speedway hosts auto races throughout the year. The downtown area also has a number of antiques shops and restaurants.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Georgetown $1,442.00 $1,171.00 $1,416.00 $1,344.00 $1,477.00 $1,403.00 $1,142.00 $1,378.00 $1,310.00 $1,436.00

New Castle Auto Insurance

New Castle is a suburb of Wilmington and it situated along the Delaware River. The city was founded in 1651 and was under Dutch, Swedish and British rule during different times before the American Revolution. Today the city is a popular tourist destination and a National Landmark Historic Area.

While in New Castle, tourists may visit such Colonial-era sites as Dutch House and Amstel House. The New Castle Court House Museum is in a building that served as the state's first state capitol and now is open for tours. Battery Park offers views of the river and numerous outdoor activities such as hiking and biking.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
New Castle $2,123.00 $1,726.00 $2,088.00 $1,950.00 $2,142.00 $2,069.00 $1,688.00 $2,038.00 $1,902.00 $2,086.00

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Bear $1,992.00 $1,619.00 $1,957.00 $1,827.00 $2,006.00 $1,948.00 $1,588.00 $1,914.00 $1,786.00 $1,960.00
Bethany Beach $1,406.00 $1,138.00 $1,377.00 $1,308.00 $1,432.00 $1,368.00 $1,112.00 $1,342.00 $1,274.00 $1,394.00
Bethel $1,459.00 $1,185.00 $1,432.00 $1,360.00 $1,491.00 $1,420.00 $1,158.00 $1,396.00 $1,324.00 $1,450.00
Bridgeville $1,462.00 $1,186.00 $1,434.00 $1,362.00 $1,496.00 $1,422.00 $1,158.00 $1,396.00 $1,328.00 $1,454.00
Camden Wyoming $1,504.00 $1,220.00 $1,478.00 $1,389.00 $1,533.00 $1,464.00 $1,192.00 $1,440.00 $1,354.00 $1,491.00
Claymont $1,879.00 $1,524.00 $1,846.00 $1,723.00 $1,892.00 $1,830.00 $1,490.00 $1,801.00 $1,680.00 $1,842.00
Clayton $1,551.00 $1,251.00 $1,514.00 $1,421.00 $1,572.00 $1,512.00 $1,222.00 $1,476.00 $1,386.00 $1,531.00
Dagsboro $1,446.00 $1,172.00 $1,416.00 $1,347.00 $1,476.00 $1,410.00 $1,146.00 $1,382.00 $1,314.00 $1,438.00
Delmar $1,430.00 $1,158.00 $1,400.00 $1,332.00 $1,459.00 $1,392.00 $1,132.00 $1,364.00 $1,299.00 $1,420.00
Dover $1,536.00 $1,250.00 $1,510.00 $1,421.00 $1,562.00 $1,496.00 $1,222.00 $1,472.00 $1,385.00 $1,520.00
Dover Air Force Base $1,522.00 $1,235.00 $1,494.00 $1,407.00 $1,549.00 $1,482.00 $1,206.00 $1,456.00 $1,371.00 $1,506.00
Ellendale $1,451.00 $1,179.00 $1,426.00 $1,352.00 $1,482.00 $1,414.00 $1,153.00 $1,390.00 $1,319.00 $1,444.00
Felton $1,529.00 $1,242.00 $1,502.00 $1,416.00 $1,562.00 $1,489.00 $1,214.00 $1,464.00 $1,380.00 $1,519.00
Fenwick Island $1,406.00 $1,138.00 $1,378.00 $1,307.00 $1,434.00 $1,370.00 $1,112.00 $1,342.00 $1,274.00 $1,395.00
Frankford $1,414.00 $1,146.00 $1,386.00 $1,317.00 $1,443.00 $1,378.00 $1,120.00 $1,352.00 $1,284.00 $1,405.00
Frederica $1,511.00 $1,225.00 $1,482.00 $1,396.00 $1,540.00 $1,472.00 $1,196.00 $1,445.00 $1,360.00 $1,498.00
Georgetown $1,442.00 $1,171.00 $1,416.00 $1,344.00 $1,477.00 $1,403.00 $1,142.00 $1,378.00 $1,310.00 $1,436.00
Greenwood $1,445.00 $1,174.00 $1,418.00 $1,348.00 $1,479.00 $1,408.00 $1,147.00 $1,382.00 $1,315.00 $1,440.00
Harbeson $1,448.00 $1,176.00 $1,422.00 $1,350.00 $1,479.00 $1,410.00 $1,150.00 $1,386.00 $1,317.00 $1,440.00
Harrington $1,477.00 $1,200.00 $1,452.00 $1,375.00 $1,508.00 $1,440.00 $1,174.00 $1,416.00 $1,342.00 $1,468.00
Hartly $1,520.00 $1,227.00 $1,485.00 $1,397.00 $1,544.00 $1,478.00 $1,198.00 $1,448.00 $1,361.00 $1,501.00
Hockessin $1,807.00 $1,462.00 $1,773.00 $1,661.00 $1,833.00 $1,758.00 $1,428.00 $1,726.00 $1,618.00 $1,782.00
Houston $1,469.00 $1,193.00 $1,444.00 $1,365.00 $1,498.00 $1,431.00 $1,166.00 $1,408.00 $1,332.00 $1,458.00
Laurel $1,451.00 $1,174.00 $1,419.00 $1,350.00 $1,482.00 $1,412.00 $1,146.00 $1,382.00 $1,316.00 $1,440.00
Lewes $1,404.00 $1,140.00 $1,380.00 $1,307.00 $1,431.00 $1,366.00 $1,114.00 $1,344.00 $1,274.00 $1,392.00
Lincoln $1,458.00 $1,186.00 $1,432.00 $1,359.00 $1,488.00 $1,420.00 $1,158.00 $1,396.00 $1,326.00 $1,448.00
Magnolia $1,510.00 $1,226.00 $1,484.00 $1,397.00 $1,540.00 $1,470.00 $1,198.00 $1,446.00 $1,361.00 $1,498.00
Marydel $1,504.00 $1,216.00 $1,473.00 $1,387.00 $1,532.00 $1,464.00 $1,188.00 $1,436.00 $1,351.00 $1,490.00
Middletown $1,758.00 $1,423.00 $1,722.00 $1,614.00 $1,782.00 $1,713.00 $1,391.00 $1,678.00 $1,574.00 $1,734.00
Milford $1,452.00 $1,180.00 $1,426.00 $1,354.00 $1,482.00 $1,414.00 $1,154.00 $1,390.00 $1,320.00 $1,443.00
Millsboro $1,448.00 $1,174.00 $1,418.00 $1,350.00 $1,478.00 $1,412.00 $1,147.00 $1,383.00 $1,317.00 $1,440.00
Millville $1,439.00 $1,166.00 $1,409.00 $1,338.00 $1,465.00 $1,402.00 $1,140.00 $1,374.00 $1,306.00 $1,426.00
Milton $1,412.00 $1,146.00 $1,387.00 $1,314.00 $1,440.00 $1,374.00 $1,120.00 $1,352.00 $1,281.00 $1,401.00
New Castle $2,123.00 $1,726.00 $2,088.00 $1,950.00 $2,142.00 $2,069.00 $1,688.00 $2,038.00 $1,902.00 $2,086.00
Newark $1,909.00 $1,550.00 $1,876.00 $1,752.00 $1,929.00 $1,860.00 $1,516.00 $1,829.00 $1,708.00 $1,876.00
Ocean View $1,410.00 $1,142.00 $1,381.00 $1,312.00 $1,438.00 $1,372.00 $1,115.00 $1,346.00 $1,279.00 $1,399.00
Rehoboth Beach $1,400.00 $1,138.00 $1,376.00 $1,303.00 $1,428.00 $1,362.00 $1,111.00 $1,341.00 $1,270.00 $1,389.00
Seaford $1,457.00 $1,184.00 $1,430.00 $1,360.00 $1,491.00 $1,418.00 $1,156.00 $1,392.00 $1,324.00 $1,449.00
Selbyville $1,407.00 $1,140.00 $1,378.00 $1,309.00 $1,435.00 $1,370.00 $1,113.00 $1,344.00 $1,276.00 $1,396.00
Smyrna $1,556.00 $1,260.00 $1,522.00 $1,430.00 $1,579.00 $1,518.00 $1,232.00 $1,485.00 $1,394.00 $1,538.00
Townsend $1,760.00 $1,423.00 $1,722.00 $1,616.00 $1,785.00 $1,714.00 $1,391.00 $1,679.00 $1,574.00 $1,736.00
Viola $1,514.00 $1,223.00 $1,481.00 $1,394.00 $1,540.00 $1,474.00 $1,194.00 $1,442.00 $1,358.00 $1,497.00
Wilmington $1,953.00 $1,583.00 $1,919.00 $1,792.00 $1,972.00 $1,904.00 $1,548.00 $1,872.00 $1,747.00 $1,920.00
Winterthur $1,843.00 $1,495.00 $1,810.00 $1,694.00 $1,868.00 $1,794.00 $1,460.00 $1,764.00 $1,651.00 $1,816.00
Yorklyn $1,849.00 $1,499.00 $1,816.00 $1,700.00 $1,873.00 $1,800.00 $1,464.00 $1,768.00 $1,656.00 $1,820.00

Auto Insurance Fraud Statistics for Delaware

When it comes to insurance fraud, Delaware ranks a little below the National average number of fraud cases overall. However, due to the ripple effect that criminal fraud has on the economy, the legal system in the state is taking a tougher stance on insurance fraud and the number of cases brought before Delaware's criminal court is on the rise.

Alcohol-related Accident Statistics for Delaware

Alcohol-related accidents are lowering nationwide, but still account for at least one third of all traffic fatalities. According to the latest figures available from the National Highway Traffic Safety Administration, Delaware, with with 38 percent, is slightly higher than than the national average, Delaware has different levels of legal intoxication, dependent on age and type of license. A person is considered legally drunk if they are:

  • Over the age of 21, with a blood-alcohol level of .08 percent
  • The driver of a commercial vehicle, with a blood-alcohol level of at least .04 percent
  • Under the age of 21, with a blood-alcohol level of at least .02 percent

The punishment for a first offense is also dependent on certain factors. An average offender will receive fines of between $250 and $1,500, as well as up to six months in jail, and face a twelve-month license revocation.

They must also complete an alcohol evaluation and take an educational or rehabilitation course. As of 2007, the license revocation was increased to 18 months for a blood-alcohol level of .15 to .19, and two years if the level is .20 or above.


Only in Delaware

There are unusual laws on the books in every state, some left from long-forgotten times and others that are added as unique situations occur. If you happen to be stopping in Rehoboth Beach be aware that under local ordinance 198-14 it is illegal to change your clothes or dress in your car. Violators face a fine if caught.

Did You Know?

Delaware was the last state to stop issuing porcelain license plates; the year was 1942. It is also one of only five states whose capital isn't served by a U.S. Interstate highway.

Auto Insurance Center Methodology

Auto insurance quotes are for a hypothetical driver who has state minimum coverage with $500 deductibles for one vehicle. The driver is male or female, 35 years old, has good credit, a college degree, and is employed with a clean driving record, no lapse in coverage, or claims. The vehicles are driven 16,000 miles per year for commuting and are garaged on premises. The auto quotes include common discounts and are estimates, but not guaranteed.