How much does auto insurance cost in Delaware? We break down average insurance rates and reveal the vehicles with the cheapest car insurance quotes in Delaware.
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Cheap car insurance in Delaware is most likely to be found on compact SUV models like the Volkswagen Tiguan, Buick Envision, and Kia Soul.
How much does car insurance cost in Delaware?
The average cost of car insurance in Delaware is $2,716 per year, which is 20.1% more than the U.S. average rate of $2,221. Car insurance cost per month in Delaware averages $226 for full coverage.
The chart below shows average Delaware car insurance rates for the 2024 model year. Rates are averaged for all Delaware Zip Codes and shown for different driver ages and policy deductible amounts.
Figure 1: Average full-coverage car insurance premium in Delaware for different ages of drivers. Rates updated on June 26, 2025.
Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Delaware Zip Codes.
Average Car Insurance Cost in Delaware
Driver Age
Deductible
Annual Premium
Cost Per Month
20
$1,000
$4,622
$385
$500
$5,462
$455
$250
$6,352
$529
30
$1,000
$2,428
$202
$500
$2,896
$241
$250
$3,384
$282
40
$1,000
$2,284
$190
$500
$2,716
$226
$250
$3,164
$264
50
$1,000
$2,036
$170
$500
$2,408
$201
$250
$2,794
$233
60
$1,000
$1,906
$159
$500
$2,254
$188
$250
$2,618
$218
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Delaware Zip Codes. Updated June 26, 2025
As shown in the chart, the average auto insurance cost for 2024 models ranges from $1,906 per year for a 60-year-old driver with a high-deductible policy to $6,352 per year for a 20-year-old driver with low physical damage deductibles.
On a monthly basis, the average cost of car insurance per month in Delaware ranges from $159 to $529 for the same drivers and policy deductibles shown in the chart.
For drivers younger than age 20, average car insurance rates for teenagers in Delaware range from $6,466 per year for a 19-year-old female driver up to $9,672 per year for a 16-year-old male driver. Teen drivers, especially newly licensed ones, are the most expensive age group to insure.
The chart below shows average car insurance rates in Delaware for ten of the more popular vehicles sold in the state.
Figure 2: Average cost to insure popular 2024 model year vehicles in Delaware. Rates updated on June 27, 2025.
Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Delaware Zip Codes.
Delaware Car Insurance Rates for Popular Vehicles
Make/Model
Annual Premium
Cost Per Month
Honda CR-V
$2,316
$193
Nissan Rogue
$2,438
$203
Toyota RAV4
$2,506
$209
Chevrolet Traverse
$2,534
$211
Honda Accord
$2,622
$219
Kia Forte
$2,650
$221
Toyota Camry
$2,918
$243
Chevrolet Silverado
$3,002
$250
Ford F150
$3,038
$253
Ram Truck
$3,140
$262
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Delaware Zip Codes. Updated June 27, 2025
In the next sections, we’ll see how average Delaware rates compare to nearby states, cover the average cost of car insurance by vehicle segment and also show the top 75 cheapest vehicles to insure in the state of Delaware.
Is car insurance in Delaware expensive?
When compared to surrounding states, the average annual car insurance cost in Delaware of $2,716 is 4.6% cheaper than New Jersey, 12.1% more expensive than Pennsylvania, and 14.4% more expensive than Maryland.
When compared to other Northeastern states that do not share a border, Delaware car insurance is 1.3% cheaper than New York, 6.3% cheaper than Rhode Island, 3.1% more expensive than Massachusetts, and 30.5% more expensive than Vermont.
The chart below shows how average auto insurance cost in Delaware compares to all Northeast U.S. states. Delaware ranks eighth out of 11 states in the Northeast, and ranks 42nd out of all 50 states for cheapest overall car insurance cost.
Figure 3: Average cost of car insurance in Delaware compared to other Northeast region states. Rates updated on June 27, 2025.
Average Car Insurance Cost in Delaware Compared to Northeast Region
Northeast Region States
Average Annual Premium
Cost Difference
Maine
$1,784
-$932
New Hampshire
$1,898
-$818
Vermont
$1,998
-$718
Maryland
$2,352
-$364
Pennsylvania
$2,406
-$310
Massachusetts
$2,634
-$82
Connecticut
$2,674
-$42
Delaware
$2,716
--
New York
$2,752
$36
New Jersey
$2,844
$128
Rhode Island
$2,892
$176
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Delaware Zip Codes. Updated June 27, 2025
Northeastern states tend to have both some of the cheapest car insurance rates, and also the most expensive. Maine and Vermont rank first and 10th in the U.S. for cheapest rates, while New York and Rhode Island rank 43rd and 47th.
When compared to states in other parts of the country, the average cost of car insurance in Delaware is 4.5% cheaper than California, 3.8% cheaper than Nevada, 1.4% cheaper than Florida, 14.4% more expensive than Texas, and 18.2% more expensive than Illinois.
Cheapest car insurance rates by automotive segment
The next chart ranks the average cost of car insurance in Delaware for each automotive segment. This information is useful when shopping for a new or used vehicle, and you want a model that will have more affordable car insurance quotes.
Figure 4: Car insurance average cost by automotive segment in Delaware. Rates updated on June 26, 2025.
Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Delaware Zip Codes.
Car Insurance Rates by Automotive Segment in Delaware
Automotive Segment
Annual Premium
Cost Per Month
Compact SUV
$2,494
$208
Midsize SUV
$2,680
$223
Compact Car
$2,684
$224
Minivan
$2,688
$224
Midsize Pickup
$2,742
$229
Midsize Car
$2,770
$231
Compact Luxury SUV
$2,946
$246
Compact Luxury Car
$2,986
$249
Large SUV
$2,998
$250
Half-ton Pickup
$3,010
$251
Heavy Duty Pickup
$3,122
$260
Midsize Luxury SUV
$3,226
$269
Midsize Luxury Car
$3,330
$278
Sports Car
$3,730
$311
Large Car
$3,904
$325
Large Luxury SUV
$4,204
$350
Large Luxury Car
$4,344
$362
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Delaware Zip Codes. Updated June 26, 2025
Within each of the segments in the chart above, there is one model that has the cheapest overall insurance rates. The list below breaks out the cheapest model, along with the average annual and monthly car insurance cost in Delaware.
Knowing the vehicle segment with the cheapest insurance or even the model with the cheapest insurance goes a long ways in helping keep car insurance cost within your budget. It’s important to note that even within individual models, the cost of insurance for each trim level can vary considerably. We recommend comparing car insurance quotes from multiple companies in order to find the best rates possible.
What cars have cheap insurance in Delaware?
If the cheapest insurance is your goal, you’ll want to look at compact SUVs instead of cars. In Delaware, the cheapest insurance rates are found on small SUVs like the Subaru Crosstrek, Nissan Kicks, and Buick Envision.
Car insurance for those models costs $2,004 per year for the Subaru Crosstrek, $2,138 per year for the Nissan Kicks, and $2,176 for the Buick Envision.
Additional vehicles that are in the top 20 in our car insurance price comparison are the Kia Niro, Volkswagen Taos, Nissan Murano, and Volkswagen Tiguan. Rates are a few dollars per month higher for those models than the small SUVs at the top of the list, but they still have an average cost of $197 or less per month in Delaware.
For luxury cars and SUVs, the cheapest insurance rates in Delaware can be found on the Acura Integra at $2,416 per year, the Acura RDX at $2,270 per year, the Mercedes-Benz CLA250 at $2,794 per year, the Jaguar E-Pace at $2,538 per year, the Audi A5 at $3,226 per year, and the Infiniti QX80 at $3,044 per year.
The table below ranks the 75 cheapest cars, trucks, and SUVs to insure in the state of Delaware for the 2024 model year.
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Delaware Zip Codes. Updated June 26, 2025
Top 75 cheapest vehicles to insure in Delaware with the Subaru Crosstrek ranking first at $2,004 per year
In-depth car insurance rates for popular vehicles
Car insurance rates can vary considerably in Delaware based on factors like driver age, policy deductibles, the vehicle being insured, and many other details.
The five sections below explore car insurance rates in more detail than the averages used in the prior sections. We take one model from five different vehicle segments and break out rates for different driver risk profiles and policy limits. We also provide links to other similar vehicles that you can explore not only similar data, but even more detailed rates by trim level.
The purpose of these detailed charts is to help our readers understand how much car insurance can vary with small changes like the age of the driver or the rate change after an accident.
Chevrolet Silverado insurance rates
Chevrolet Silverado insurance in Delaware costs an average of $3,002 per year and ranges from $2,490 to $6,970 per year for the sample driver risk profiles shown in the chart below.
Figure 5: Average 2024 Chevrolet Silverado insurance premiums in Delaware for different driver ages and risk scenarios. Rates updated on June 27, 2025.
Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Delaware includes all Zip Codes and vehicle trim levels.
2024 Chevrolet Silverado Insurance Cost in Delaware
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$6,970
$581
Safe Driver Age 20
$6,094
$508
At-fault Accidents Age 40
$4,286
$357
Low Deductibles Age 40
$3,872
$323
Safe Driver Age 30
$3,196
$266
Safe Driver Age 40
$3,002
$250
Safe Driver Age 50
$2,666
$222
High Deductibles Age 40
$2,556
$213
Safe Driver Age 60
$2,498
$208
Discount Rate Age 40
$2,490
$208
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 27, 2025
Nissan Sentra insurance rates
Nissan Sentra car insurance rates in Delaware range from $2,066 to $5,652 per year for the driver profiles in the chart below. Nissan Sentra insurance costs an average of $2,488 per year or $207 per month in Delaware.
Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Delaware includes all Zip Codes and vehicle trim levels.
2024 Nissan Sentra Insurance Cost in Delaware
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,652
$471
Safe Driver Age 20
$4,920
$410
At-fault Accidents Age 40
$3,522
$294
Low Deductibles Age 40
$3,146
$262
Safe Driver Age 30
$2,642
$220
Safe Driver Age 40
$2,488
$207
Safe Driver Age 50
$2,226
$186
High Deductibles Age 40
$2,142
$179
Safe Driver Age 60
$2,074
$173
Discount Rate Age 40
$2,066
$172
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 26, 2025
Toyota RAV4 insurance rates
The chart below shows average Toyota RAV4 insurance rates in Delaware for different driver ages and risk profiles. Annual cost ranges from $2,080 to $5,762 per year for the example driver risk profiles, with average cost being $2,506 per year.
Data Methodology: Average rates are for a 2024 model year Toyota RAV4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota RAV4 car insurance cost in Delaware includes all Zip Codes and vehicle trim levels.
2024 Toyota RAV4 Insurance Cost in Delaware
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,762
$480
Safe Driver Age 20
$5,034
$420
At-fault Accidents Age 40
$3,554
$296
Low Deductibles Age 40
$3,242
$270
Safe Driver Age 30
$2,666
$222
Safe Driver Age 40
$2,506
$209
Safe Driver Age 50
$2,228
$186
High Deductibles Age 40
$2,126
$177
Safe Driver Age 60
$2,084
$174
Discount Rate Age 40
$2,080
$173
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota RAV4 trim levels. Updated June 27, 2025
Kia Sorento insurance rates
Average Kia Sorento insurance rates in Delaware as shown in the chart below range from $2,144 to $5,920 per year, with the average cost being $2,578.
Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Delaware includes all Zip Codes and vehicle trim levels.
2024 Kia Sorento Insurance Cost in Delaware
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,920
$493
Safe Driver Age 20
$5,180
$432
At-fault Accidents Age 40
$3,638
$303
Low Deductibles Age 40
$3,398
$283
Safe Driver Age 30
$2,754
$230
Safe Driver Age 40
$2,578
$215
Safe Driver Age 50
$2,282
$190
High Deductibles Age 40
$2,156
$180
Discount Rate Age 40
$2,144
$179
Safe Driver Age 60
$2,136
$178
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 27, 2025
Ford Expedition insurance rates
The average cost for Ford Expedition insurance in Delaware is $2,926 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,432 to $6,700 per year.
Data Methodology: Average rates are for a 2024 model year Ford Expedition with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Expedition car insurance cost in Delaware includes all Zip Codes and vehicle trim levels.
2024 Ford Expedition Insurance Cost in Delaware
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$6,700
$558
Safe Driver Age 20
$5,870
$489
At-fault Accidents Age 40
$4,114
$343
Low Deductibles Age 40
$3,894
$325
Safe Driver Age 30
$3,132
$261
Safe Driver Age 40
$2,926
$244
Safe Driver Age 50
$2,584
$215
High Deductibles Age 40
$2,432
$203
Discount Rate Age 40
$2,432
$203
Safe Driver Age 60
$2,418
$202
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford Expedition trim levels. Updated June 27, 2025
Delaware car insurance rates by city
Listed below are some of the larger cities in Delaware and the average insurance costs for each one. Visit any page for additional detailed rate information, including average cost by automotive segment and the vehicles with cheap car insurance quotes in each city.