Cheap Car Insurance in Delaware
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Delaware Car Insurance Minimums
Delaware requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$10,000
- Personal injury protection (PIP): $15,000
Source: 21 Del. C. § 2118 (required insurance incl. PIP $15,000/$30,000); 18 Del. C. § 3902 (UM/UIM offer and written rejection), verified 2026-09-01.
What drives car insurance rates in Delaware
Average spend per insured vehicle, 2023
$1,462
Delaware drivers spent $1,462 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
76.3¢
Auto insurers in Delaware paid 76.3 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.27
Delaware recorded 126 traffic deaths in 2024, 1.27 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
187.9
Delaware reported 1,992 motor vehicle thefts in 2025, 187.9 per 100,000 residents, from 208.8 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#47
FEMA ranks Delaware #47 of 51 for expected annual loss from natural hazards; flood accounts for 63% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Delaware
The ten insurer groups that wrote the most auto premium in Delaware in 2025, with their share of the state total of $1.3 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 29.48% | $394 million |
| 2 | Progressive Group | 17.58% | $235 million |
| 3 | Berkshire Hathaway Group | 11.8% | $158 million |
| 4 | Allstate Insurance Group | 9.93% | $133 million |
| 5 | United Services Automobile Association Group | 9.76% | $131 million |
| 6 | Nationwide Corp Group | 5.18% | $69 million |
| 7 | Liberty Mutual Group | 4.24% | $57 million |
| 8 | Travelers Group | 2.46% | $33 million |
| 9 | Root Inc Group | 1.86% | $25 million |
| 10 | Hartford Fire & Casualty Group | 1.48% | $20 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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