How much is car insurance in Delaware?

Average car insurance cost in Delaware: 9% above the US average

In 2023 NAIC data, Delaware was the 13th most expensive of the 50 states and DC for full coverage ($1,569 vs $1,439 nationally), but ranked higher on liability alone (8th highest in the US at $962) because liability makes up 61% of a full-coverage Delaware bill. Across all insured vehicles in Delaware (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $1,462 (9th highest in the US, about $1,730 today)—only 7% ($107) below Delaware's $1,569 full-coverage benchmark.

How Delaware compares with Maryland, New Jersey, and Pennsylvania

A typical policy in Delaware ($1,569 in 2023) costs more than in Pennsylvania and less than in Maryland and New Jersey. Among Delaware's neighbors, Pennsylvania had the lowest 2023 average ($1,273, moving to Delaware is about $400 more a year) and New Jersey had the highest ($1,693, moving to Delaware is about $170 less a year).

States with similar 2023 full-coverage averages: Michigan ($1,573 in 2023, about $1,860 today), Nevada ($1,600 in 2023, about $1,900 today), South Carolina ($1,517 in 2023, about $1,800 today), and Connecticut ($1,508 in 2023, about $1,790 today).

Delaware: 25/50/10 minimums, with mandatory personal injury protection (PIP)

Delaware liability (per person / per crash / property)

$25,000 / $50,000 / $10,000

Personal injury protection (PIP) in Delaware

Required

Medical payments in Delaware

Not required

No-fault system in Delaware

No

Uninsured motorist in Delaware

Included unless you decline in writing

Underinsured motorist in Delaware

Not required

Set by 21 Del. C. 2902(b)(2), Delaware's 25/50/10 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $10,000 for others' property—the legal floor in Delaware, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.

Liability-only coverage in Delaware—the closest NAIC figure to what a Delaware minimum policy costs—averaged $962 in 2023 (about $1,140 in Delaware today), the 8th highest of the 50 states and DC. That makes liability 61% of Delaware's full-coverage average ($1,569), while the remaining 39% goes toward collision and comprehensive coverage for your own car.

Adding a 16-year-old driver in Delaware: about $1,230 more a year

On a separate Delaware policy of their own with the same car, a 16-year-old in Delaware would pay about $5,340 a year (roughly $4,050–$7,600), so sharing a parent's Delaware policy saves about $4,110 a year.

Our teen-driver multipliers come from California's published age-rating filings scaled to Delaware's baseline. How adding a teen driver works.

Cheapest cars to add a teen with in Delaware

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 on a Delaware policy, versus about $1,850 more a year for the 2022 Tesla Model 3 at the top of Delaware's list.

The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.

What popular cars cost to insure in Delaware

In Delaware, a 45-year-old with full coverage pays from about $1,790 a year for a 2024 Subaru Ascent to about $3,390 for a 2024 Tesla Model X on these Delaware sample models.

See all 121 popular cars, SUVs, pickups, and EVs.

Common questions about car insurance in Delaware

How much is car insurance in Delaware?

In Delaware, full-coverage car insurance averaged $1,569 a year in 2023 (the 13th most expensive of the 50 states and DC per NAIC), or about $1,860 a year ($155 a month) in Delaware as of August 2026. Delaware liability-only coverage averaged $962 in 2023 (61% of Delaware's full-coverage figure, or about $1,140 today), and Delaware drivers spent $1,462 per insured car across all policies.

What are the minimum car insurance limits in Delaware?

Under 21 Del. C. 2902(b)(2), Delaware requires 25/50/10 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $10,000 for property damage. 25/50/10 in 21 Del. C. 2902(b)(2), incorporated by 2118(a)(1). No 2024-2026 change found.

How much does adding a 16-year-old teen driver cost in Delaware?

Adding a 16-year-old to a parent's full-coverage policy in Delaware adds about $1,230 more a year ($105 a month), bringing the Delaware household policy to roughly $2,300–$4,100 a year versus about $5,340 a year (roughly $4,050–$7,600) on a standalone Delaware teen policy.

Is Delaware a no-fault car insurance state?

No—Delaware is an at-fault state for crash liability, though Delaware law still requires personal injury protection (PIP) on auto policies. 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.

How does Delaware's car insurance cost compare with Maryland?

Delaware averaged $1,569 for full coverage in 2023 (NAIC) against $1,602 in Maryland (2% less than Maryland), and moving a sample policy from Maryland to Delaware today is about the same. Other bordering states averaged $1,693 in New Jersey and $1,273 in Pennsylvania in 2023.

Sources for Delaware

• Delaware average premiums ($1,569 full coverage, $962 liability-only, $1,462 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
• Delaware minimum coverage statutes (21 Del. C. 2902(b)(2); 21 Del. C. 2118(a); 18 Del. C. 3902(a)-(b)), checked September 22, 2026. Page updated November 5, 2026 for Delaware. See methodology and all sources.