Car insurance in Delaware
Drivers in Delaware paid $1,569 a year for full coverage in 2023, 9% above the national average. With prices up since, figure on about $1,860 today. In Delaware, the law asks for at least 25/50/10 liability.
What people pay in Delaware
A typical yearly price today
about $1,860 a year (about $155 a month)
Delaware's average full-coverage cost in 2023 was $1,569, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,860.
That makes Delaware the 13th most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Delaware next to its neighbors
A typical policy in Delaware costs more than in Pennsylvania and less than in Maryland and New Jersey.
| State | Typical price, 2023 | Moving to Delaware from there |
|---|---|---|
| Delaware | $1,569 | Not a move |
| Maryland | $1,602 | About the same |
| New Jersey | $1,693 | About $170 less a year |
| Pennsylvania | $1,273 | About $410 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Delaware's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $10,000
- Personal injury protection (PIP)
- Required
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Included unless you decline in writing
- Underinsured motorist
- Not required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $962 in Delaware in 2023 (about $1,140 today, brought up the same rough way), the 8th highest of the 50 states and DC. That's about 61% of the full-coverage price; the rest pays to fix or replace your own car.
Delaware requires at least $25,000 per person and $50,000 per crash for injuries, plus $10,000 for property damage. You must also carry personal injury protection (at least $15,000 per person and $30,000 per crash). Uninsured-motorist coverage is included unless you turn it down in writing, and underinsured coverage is an option you can buy.
Good to know: Delaware's PIP pays your own medical bills no matter who caused the crash, but we found no limit on your right to sue, so Delaware isn't marked as a no-fault state.
What we couldn’t confirm: We marked medical payments coverage not required because we found no separate law requiring it. PIP already covers medical bills.
- Personal injury protection
- At least $15,000 per person and $30,000 per crash (medical bills, lost earnings, funeral costs up to $5,000, and more). Delaware also requires at least $10,000 of coverage for damage to property other than vehicles.
- Uninsured and underinsured motorist
- Uninsured motorist coverage is at least the state's minimums for injuries and property damage (with a $250 deductible for property damage). Insurers must offer more, up to $100,000/$300,000. Underinsured motorist coverage is part of that optional extra.
- Checked
- September 22, 2026
A new teen driver in Delaware
Adding a 16-year-old to a typical policy
about $1,230 more a year
About $105 a month, on one average car with full coverage. The whole policy with the teen: roughly $2,300–$4,100 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $5,340 a year in Delaware (roughly $4,050–$7,600).
What adding a teen costs comes from California's published prices, so the range is wide, and Delaware may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Delaware, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $1,100 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,850 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$1,100 a year | $4,760 a year |
| 2022 Subaru Outback | +$1,100 a year | $4,770 a year |
| 2022 Subaru Crosstrek | +$1,100 a year | $4,790 a year |
| 2022 Honda CR-V | +$1,180 a year | $5,120 a year |
| 2022 Toyota RAV4 | +$1,200 a year | $5,210 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Delaware (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Delaware's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.