Car Insurance in Delaware averaged $1,462 a year in 2023, 14% above the national average, per the NAIC, plus the rules that shape your policy.
What car insurance costs in Delaware
Drivers in Delaware spent an average of $1,462 a year on car insurance in 2023, 14% above the national average of $1,282. That is up 13.6% on what drivers here paid five years earlier. Average expenditure is what people actually paid per insured vehicle across every coverage level, not a quote generated from a sample driver profile.
Average premium by coverage (2023)
Liability: $962
Collision: $423
Comprehensive: $184
These are averaged over the vehicles carrying each coverage, so they do not sum to the expenditure figure above, which averages over all insured vehicles including those carrying liability only.
Delaware rules worth knowing
Claims system: No-fault
Minimum liability limits recorded for 2022: 25/50/10. Several states have amended their minimums since, so confirm the current figure with the regulator before you buy.
Vehicle thefts: 4.03 per 1,000 registered vehicles
