USAA and Geico are two of the best car insurance companies in Delaware. In our analysis, Travelers, State Farm, and Allstate also performed well. Delaware drivers who are looking for car insurance may want to get quotes from these companies.
For full coverage, the average cost of car insurance in Delaware is $1,775 per year. You may want to consider a company's average premium, coverage options, discounts, and third-party scores from companies such as J.D. Power and AM Best when determining the best car insurance in Delaware for your needs.
Delaware's top auto insurance companies
After reviewing the top car insurance companies in Delaware based on market share, we determined that USAA, Geico, Travelers, State Farm, and Allstate are among the best options.
Our examination of these companies included a look at premiums, coverage, and discounts.
We also chose the best auto insurance in Delaware based on J.D. Power rankings and AM Best financial strength ratings for each company. We calculated a Bankrate Score for each company based on all of these factors. The scores are on a 5.0 scale, with higher scores indicating that the company is more highly rated within the individual rating categories. Here are our top picks based on our research:
USAA
Despite the fact that it does not qualify for official ranking, USAA received the most points from J.D. Power, with a score of 890. The average annual full coverage premium for USAA is the lowest on our list, but the company only sells insurance to current and former military members and their immediate families. If you are eligible for coverage, you may find that USAA has a competitive premium for your policy as well as a few optional coverages to help you build a policy that meets your needs.
Geico
J.D. Power gave Geico a below-industry-average score for claims service, but you might want to get a quote if you're looking for a company with a long list of available discounts. Geico's discounts for federal employees, military members, safe drivers, and good students may allow you to lower your premium. The company also provides a variety of insurance products, such as home, renters, business, and pet insurance, so you may be able to meet all of your insurance needs in one place.
Travelers
Despite having the lowest J.D. Power rating on our list, Travelers may be worth your time. Travelers has the second-lowest premium of the companies we looked at and a variety of optional coverages to help you tailor your policy to your specific needs, such as accident forgiveness, ridesharing coverage, and gap insurance. In addition, the company provides a variety of discounts to help you save money.
State Farm Insurance
State Farm maintains local offices, where you can speak with a dedicated agent about claims, questions, and concerns. Many drivers appreciate the personal touch, but State Farm also provides the modern tools that you would expect. You can use the State Farm mobile app to access your policy information, request roadside assistance, contact your agent, or file a claim. According to the National Association of Insurance Commissioners, State Farm does generate a higher-than-average number of complaints (NAIC).
Allstate
Allstate has the highest average cost for full coverage premium insurance in Delaware, with a cost of $1,921. Although Allstate has average customer ratings and provides the standard coverage options, the company's list of add-ons distinguishes it from its competitors. Accident forgiveness, safe driving bonus, rideshare, and Allstate's Drivewise and Milewise programmes, which could lower your insurance premiums and help you learn safer driving habits, are among the featured endorsements.
The average cost of car insurance in Delaware
Delaware car insurance is generally more expensive than the national average. Delaware drivers pay an average of $787 per year for the bare minimum of insurance and $1,775 for full coverage. In comparison, the national average for full coverage is $1,674 and $565 for minimum coverage.
Car insurance rates, on the other hand, are highly personalised and vary depending on a variety of factors such as your location, age, driving history, the type of car you drive, and the coverages you select. For a variety of reasons, Delaware's average premiums may be higher than the national average. Despite its small size, Delaware has over 800,000 licenced drivers on its roads, not counting tourists. Because of the high density of drivers, accidents may be more likely, resulting in higher car insurance premiums.
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