Popular Questions About Delaware Car Insurance

How much does Delaware car insurance cost?

Delaware drivers pay more than most other drivers around the nation. But auto insurance all depends on what kind of coverage you need and a number of individual characteristics you have.

On average, Americans pay $1,474 per year for their auto insurance, while Delaware drivers pay, on average, about $1,580 per year. When you partner up with a Trusted Choice® agent, you'll receive a number of quotes to choose from at a rate you can afford.

What does Delaware car insurance actually do for me?

Driving on Delaware roads can be dangerous, and accidents can happen without warning. If you find yourself in one, here's what your car insurance will do for you ...

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FIX YOUR CAR

We officially call this "Comprehensive & Collision Coverage."

NOT REQUIRED

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FIX SOMEONE ELSE'S CAR

We officially call this "Property Damage Liability."

REQUIRED | MIN. $10,000

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PAY YOUR MEDICAL BILLS

We officially call this "Personal Injury Protection" or "PIP."

REQUIRED | $15,000

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PAY SOMEONE ELSE'S MED BILLS

We officially call this "Bodily Injury Liability."

REQUIRED | MIN. $30,000

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Note that as a Delaware car owner, you're required to have a certain amount of insurance that will pay for vehicle damage and medical bills. Most states have similar laws to ensure that drivers are prepared for accidents they cause, so consider these mandatory limits when finding an auto insurance policy.

Who pays if the accident wasn't my fault?

The driver who caused the accident, of course.

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How many DE drivers are uninsured:
11.5%

The problem is this: Sometimes people drive without any insurance. Nearly 12.6% of U.S. drivers are uninsured, without a financial backup plan if they cause an accident.

To protect yourself, look at "Uninsured Motorist Coverage." If you are hit by an uninsured driver, your insurance company will attempt to collect compensation from the offending driver. But that rarely works out.

With this specifically designed insurance coverage, the insurance company will pay to fix your vehicle and handle your medical bills.

Delaware does not require you to have uninsured motorist coverage, but you should consider it when you talk to your Trusted Choice agent.

Which are the best insurance companies in Delaware?

An independent insurance agent compares policies from multiple companies to find the best coverage for your needs.

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Find the Best Insurance in Your City

Wilmington

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$295
PER MONTH
Avg. Cost of Wilmington Car Insurance

Depending on your vehicle, your gender, your driving record and a few other factors, your monthly cost could be higher or lower than this. 

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Here are some city factors that will affect your rate:

COMMUTE TIME

Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident. Wilmington drivers spend slightly less time on the road than most, which can help keep insurance rates relatively low.

National Average

25.4
MINUTES

Wilmington Average

21.4
MINUTES
THEFT IN YOUR CITY

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. Because the theft rate in Wilmington is much higher than the national average, your insurance rate may be higher as well.

AUTO THEFT RATE IN U.S.
2.94
(per 1,000 vehicles)
Auto Theft Rate in Wilmington
4.67
(per 1,000 vehicles)

What Wilmington residents are saying about our agents:

My agent has been a trusted adviser to my family even before he opened his doors. Since he's been in business I have trusted him with my family's life policies, our disability insurance and my children's college funds. The service provided by his staff is top notch, and they work hard to ensure my family is continually protected.

Lavonne K., Google Review

This local agency is spectacular! The employees are all welcoming and genuinely want the best for every customer. Best insurance experience I have ever had!

Jimmy L., Online Review
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Dover

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$189
PER MONTH
Avg. Cost of Dover Car Insurance

Because your auto insurance should be completely personalized to your unique needs and driving situation, your monthly cost could fluctuate from this average rate. Keep that in mind when you talk to a Trusted Choice agent.

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Here are some city factors that will affect your rate:

COMMUTE TIME

Dover drivers spend less time on the road than most, which gives you a lesser chance of getting into an accident. That's great news for decreased insurance rates but doesn't mean you should skimp on coverage.

National Average

25.4
MINUTES

Dover Average

21.4
MINUTES
THEFT IN YOUR CITY

You should always park under street lights and hide valuables, even though the theft rate in Dover is relatively low. Since this is the case, your auto insurance may be lower-than-average and you may gain peace of mind when you're parked outside.

AUTO THEFT RATE IN U.S.
2.94
(PER 1,000 VEHICLES)
Auto Theft Rate in Dover
1.69
(per 1,000 vehicles)

What Dover residents are saying about our agents:

I have been impressed with my agent's attention to detail and knowledge of industry offerings. In particular he has saved his clients in insurance needs specific to auto and home insurance.

Joshua D., Google Review

This is by far the best insurance agency I've had and wouldn't think of changing it while I still live in this area no matter how many offers I get to switch. My agent is the best and talks to you not like an insurance agent but more like a friend she's known forever.

Brandon P., Google Review
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Newark

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$173
PER MONTH
Avg. Cost of Newark Car Insurance

Did you know your auto insurance shouldn't be based on an average rate, but personalized and based on factors unique to you? Ensure your coverage is customized to meet your needs and address the risks you face as a Newark driver.

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Here are some city factors that will affect your rate:

COMMUTE TIME

Newark drivers spend quite a bit of time on the road going to and from work, which means you're at greater risk for getting into an accident. Because of this, insurance rates may be slightly increased, but at least you can have peace of mind knowing you're fully protected with a comprehensive insurance plan when you're behind the wheel.

National Average

25.4
MINUTES

Newark Average

23.2
MINUTES
THEFT IN YOUR CITY

You'd be hard pressed to encounter a stolen vehicle or busted-in windows as a Newark car owner. But it's a situation you need protection against regardless so you can stay financially and emotionally stable if something does occur. A Trusted Choice agent can work with you to find a Newark car insurance plan that meets your needs. 

AUTO THEFT RATE IN U.S.
2.94
(per 1,000 vehicles)
Auto Theft Rate in Newark
0.97
(per 1,000 vehicles)

What Newark residents are saying about our agents:

My agent has handled my insurance for several years now. He's the best. He is knowledgeable and focuses on my individual needs and he never pressures. Plus he's a genuinely nice guy.

Susan B., Google Review

Everyone at this agency is top-notch. They are knowledgeable, responsive, and trustworthy. I'm so glad I chose them to handle my family's insurance needs.

Jodi C., Google Review
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Middletown

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$205
PER MONTH
Avg. Cost of Middletown Car Insurance

Your car's age, model and make, as well as your gender, driving record and average annual mileage will determine a unique auto insurance rate. Keep this in mind when considering coverages and policy options.

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Here are some city factors that will affect your rate:

COMMUTE TIME

Middletown drivers spend an exorbitant amount of time commuting. It not only makes you frustrated, but it also makes you more prone to getting into an accident. It isn't a situation you want to be in but can be fixed with the right car insurance on your side.

National Average

25.4
MINUTES

Middletown Average

33.1
MINUTES
THEFT IN YOUR CITY

Your vehicle is more likely to be stolen or vandalized if you're in a dangerous area. But since the theft rate in Middletown is lower than the national average, auto insurance rates may be lower and you won't have to worry nearly as much.

AUTO THEFT RATE IN U.S.
2.94
(per 1,000 vehicles)
Auto Theft Rate in Middletown
1.46
(per 1,000 vehicles)

What Middletown residents are saying about our agents:

If you want fast and easy results with no hassle for car, home, boat, motorcycle or rental property insurance coverage, this is your agent. He is our first agent of choice for our friends, family and clients and is always is looking out for his client’s best interest. Not just price, but the coverage you need.

Dana W., Google Review

My agent does the research needed and compares coverage for exactly what you need. If you are looking for that personal service that has been taken out of the industry, this agency will talk with you live, one on one and give you all of the options available.

Chet U., Online Review
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Smyrna

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$194

PER MONTH
Avg. Cost of Smyrna Car Insurance

When you take your personal factors into account and consider the specific insurance coverage you need, your monthly rate could be more or less than this.

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Here are some city factors that will affect your rate:

COMMUTE TIME

Smyrna drivers spend ample time on the road. But it's easy to get frustrated when you're wading through traffic and stuck for what seems like forever. Because the average commute time is higher-than-average, auto insurance could be higher.

National Average

25.4
MINUTES

Smyrna Average

32.4
MINUTES
THEFT IN YOUR CITY

Auto thefts are less likely to happen in Smyrna than in other areas around the country, which may help decrease insurance rates. But it doesn't mean you're without risk of encountering a stolen vehicle or busted window.

AUTO THEFT IN U.S.
2.94
(per 1,000 vehicles)
Auto Theft in Smyrna
1.46
(per 1,000 vehicles)

What Smyrna residents are saying about our agents:

We have car insurance and everything has been great. Best customer service around!

Erica H., Google Review

Awesome service, great agents! If you want customized insurance, head to this agency.

Liz B., Google Review
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Milford

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$219

PER MONTH
Avg. Cost of Milford Car Insurance

Car insurance rates vary based on where you live, the type of car you drive, and a variety of other personal factors such as your age, gender, and even your credit rating. Rates are higher for drivers who are considered to be higher risks.

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Here are some city factors that will affect your rate:

COMMUTE TIME

Commute times in Milford are lower than the national average. Shorter commute times may help to keep your Milford auto insurance rates lower than in other cities. 

National Average

25.4
MINUTES

Milford Average

20.9
MINUTES
THEFT IN YOUR CITY

Auto thefts can happen anywhere, even in the safest neighborhoods. But insurance companies know the likelihood of your car being stolen where you live, and when auto theft rates are low, it helps to keep your auto insurance rates down. Auto theft is lower than the national average in Milford, which should have a positive impact on your Milford auto insurance rates. 

AUTO THEFT IN U.S.
2.94
(per 1,000 vehicles)
Auto Theft in Milford
2.03
(per 1,000 vehicles)

What Milford residents are saying about our agents:

The best staff, the best professional care of our accounts. Been with them for years!

Laura R., Google Review
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How Much Does Car Insurance Cost
By Delaware City?
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Wilmington
$3,540 per year


Dover
$2,268 per year


Newark
$2,076 per year


Middletown
$2,460 per year


Smryna
$2,460 per year


Milford
$2,628 per year