The Best Car Insurance in Delaware 2025

Having served millions of drivers in the U.S. for nearly a century, State Farm has earned its reputation as one of the industry’s highest-quality and most reliable auto insurers. Additionally, it offers some of the most competitive rates of insurance carriers in Delaware.

On average, a full coverage policy from State Farm will cost $878 less annually in Delaware than the statewide average. However, it’s worth noting that drivers with poor credit living in Delaware might want to look elsewhere. At $5,229 annually on average, a policy from State Farm will set you back over $300 more than the state average.

Significant Savings

State Farm offers many ways for drivers to save on their premiums, including safe driving incentives, bundling, and other discounts. Learn about the different ways to save with State Farm below:

Large Network of Representatives

State Farm has local agents throughout Delaware to provide customers with personalized and convenient support. Here are the Delaware cities with local agents:

• Bear
• Camden
• Claymont
• Dagsboro
• Dover
• Georgetown
• Greenville
• Hockessin
• Laurel
• Lewes
• Middletown
• Milford
• Millsboro
• Milton
• New Castle
• Newark
• Ocean View
• Rehoboth Beach
• Seaford
• Selbyville
• Smyrna
• Wilmington

Excellent Third-Party Ratings

State Farm receives consistently positive ratings from trusted third-party organizations that evaluate insurance companies, supporting its strong reputation for financial strength and overall customer experience.

For example, the company has an A++ rating on AM Best, demonstrating its superior financial strength compared with competing insurance companies. State Farm has an AA global rating from Standard and Poor’s (S&P), indicating the company’s strong claims-paying ability. State Farm also has a Claims Satisfaction rating of 710 out of 1,000 from J.D. Power, indicating a high level of customer satisfaction.²

Nationwide has protected millions of drivers in the U.S. for nearly 100 years, prioritizing its customer service and affordable rates. Thanks to the company’s comprehensive offerings of auto insurance and other forms of coverage, Nationwide customers can save by bundling insurance policies. It also offers a pay-per-mile program called SmartMiles to help drivers who drive less than average save money.

Pay-Per-Mile Insurance

Nationwide has a pay-per-mile auto insurance program, SmartMiles, that could save you money if you drive less than average. You get a fixed base rate as well as a variable per-mile rate, both of which are determined based on factors like your driving record and age, just like your standard premium.

Each month, you’ll be charged your base rate in addition to your per-mile rate multiplied by the number of miles you drove. For example, let’s say your base rate is $70 per month, and your per-mile rate is $0.05 per mile. If you drive 500 miles in May, you’ll pay $95 for insurance that month ($70 + $0.05 x 500).

SmartMiles can be a great option for some drivers, but always make sure to check whether the math works out. A standard policy may still end up being cheaper depending on just how little you drive.

Policy Bundling Options

Nationwide’s extensive list of insurance policies creates many opportunities to save on your car insurance rate. If you need any of the following insurance policies, Nationwide may be a great option for you — the company claims that customers who bundle home and auto save an average of $1,023, but you can also get a discount if you bundle any of the following policies:

• Auto and home
• Auto and renters
• Auto, home, and life
• Auto and boat
• Motorcycle and renters

User-Friendly Mobile App

If you appreciate the convenience of mobile apps, you’ll value Nationwide’s easy-to-use app. The Nationwide mobile app is rated 4.7 out of five stars in the Apple App Store and 4.5 out of five stars in the Google Play Store. It also ranked first in the service category of J.D. Power’s Digital Experience Study with a score of 730.³

Download the app for free on your Android, iPhone, or iPad to perform any of the following tasks:

• Access and print your auto ID card
• Access policy documents
• Pay your bills
• Manage your auto-pay
• Add or replace a vehicle
• Add or remove drivers
• Change coverages
• File and track your claims

As one of the largest auto insurers in the country, GEICO offers a range of coverage options for drivers of all ages and experience levels. Its variety of coverage policies, benefits, and discounts provides new drivers, in particular, the financial protection they need.

DriveEasy Safe Driving Program

GEICO DriveEasy is a usage-based car insurance program that allows drivers to access potential discounts (up to 15 percent) on their auto insurance rates based on their driving behaviors. With DriveEasy, customers simply download the GEICO app, which tracks driving data such as braking, acceleration, phone use, and driving smoothness. The app uses this data to calculate a driving score, which determines how much drivers can save on their premiums.

DriveEasy is especially helpful for teens who are learning how to drive because the app tracks driving habits and data that parents can monitor through the GEICO app. See if your teen is really adhering to the parent-teen contract you signed! 

Numerous Discounts

Another benefit of GEICO is its variety of discounts, many of which apply specifically to young drivers. Full-time college or high school students who maintain an average grade of B or above (3.0 GPA) or attend school at least 100 miles away from home without regular access to their car can receive a discount. GEICO also provides a discount for members of approved alumni associations, colleges, universities, or student organizations.

Here are some of the other discounts that GEICO offers that provide the largest percentage off your premium:

• Multi-Vehicle (25 percent)
• Deployed Military Driver (25 percent)
• Restraint Device (23 percent)
• Anti-Theft System (23 percent)
• Clean Driving Record (22 percent)
• New Vehicle (15 percent)

Additional Coverages

Besides the typical auto insurance coverages, drivers in Delaware can opt to add the following extra insurance coverages with GEICO: 

• Emergency Road Service: GEICO’s emergency road service offers assistance and coverage for towing, tire changes, jump starts, lockouts, and fuel delivery. Roadside assistance is particularly beneficial for protecting teen drivers, who are less experienced at driving and more likely to make driving errors and get into crashes. 
• Rental Reimbursement: This helps pay for a rental car if your covered vehicle is in the shop for repairs.
• Mechanical Breakdown Insurance: MBI helps cover repairs if your vehicle breaks down, needs replacement parts, or has other mechanical problems, so you pay less out of pocket.

Progressive is one of the largest and most reputable insurance companies in the U.S., and it has a wide range of add-on coverages to help you customize your policy. This includes rideshare coverage, which is vital for those who drive for companies like Uber or Lyft, as the company-provided coverage is usually not sufficient.

Rideshare Coverage

Rideshare insurance is a specific policy add-on that is typically required by auto insurance companies for rideshare drivers. Not all providers offer this coverage, but Progressive is a great option if you find yourself in need of it. Although rideshare companies provide some amount of coverage, it may not adequately cover you, specifically during the period when you’re driving around waiting to match with a driver.

A rideshare endorsement on your policy provides much more robust financial protection. Even if your rideshare company provides some coverage while you’re waiting to match with a rider, Progressive can offer higher liability limits as well as comprehensive and collision coverage to cover damage that may occur to your vehicle while you’re in between riders, which the rideshare company will not cover.

Savings Opportunities

Progressive offers a range of discounts to help drivers save on premiums. One of the best savings comes with bundling — Progressive allows policyholders to bundle auto with either home or renters insurance, and doing so can save you a significant amount of money each year. The company claims that new customers save an average of $983 by bundling their home and auto.

Here are some other discounts you may be eligible for with Progressive:

• Multi-policy (with home and auto, or another Progressive product)
• Snapshot telematics program
• Continuous insurance
• Homeowner 
• Multi-car 
• Online quote
• Paperless
• Pay in full
• Autopay
• Teen driver 
• Good student 
• Distant student 

Accident Forgiveness

Progressive also offers great accident forgiveness perks, which can help you save money if you get into an accident, even one you caused. In Delaware, having an at-fault accident on your record can cause your rates to increase by an average of 23 percent, but accident forgiveness can prevent that increase.

Progressive has three categories of accident forgiveness available. 

1. The first is Small Accident Forgiveness, which is automatically added to your policy when you purchase it. With this coverage, your rates won’t increase after your first claim that’s less than or equal to $500.
2. Large Accident Forgiveness is a benefit provided to policyholders who have been with Progressive for at least five years without accidents or violations and will prevent rate increases after a claim, even if it’s over $500.
3. You can also choose to purchase accident forgiveness as an add-on coverage, which will forgive one eligible accident per policy period.

As its name suggests, The Hartford is headquartered in Hartford, Connecticut, and was founded over 200 years ago. It now offers various insurance types, including auto, home, and business insurance. It underwrites insurance policies for AARP members through a partnership with the organization — only AARP members who are at least 50 years old can get auto insurance through The Hartford.

Savings for AARP Members

The Hartford underwrites auto insurance policies for the AARP and offers multiple benefits and discounts for members. For starters, you get up to 10 percent off your policy just for being an AARP member. 

Here’s a look at some of the other discounts and benefits offered by The Hartford AARP insurance program:

• Bundling: Policyholders who bundle AARP auto and home insurance from The Hartford save an average of $813. You can also bundle your auto policy with renters or condo insurance.
• TrueLane telematics: The Hartford’s telematics program, TrueLane, rewards safe driving and gives you a discount of up to 15 percent just for signing up and up to 40 percent at your next renewal, depending on your driving habits.
• Good payer discount: Save up to 10 percent for paying your bills on time.
• Paid-in-full: Save money by paying your policy in full instead of in monthly installments.
• Defensive driving course: The Hartford offers a discount of up to 5 percent for the next three years after you complete an approved driver safety course.
• Online quote: Save up to 8 percent if you start your quote online.
• Clean driving record: Maintain a clean driving record for five years and earn a discount of up to 10 percent on your auto insurance policy.

Great Customer Service

The Hartford is highly rated on various industry customer satisfaction studies, including J.D. Power’s 2024 U.S. Auto Insurance Study for the Mid-Atlantic region. It received a score of 648, which is technically below average, but it still ranked fifth overall because the average is skewed higher by the top companies, not all of which sell auto insurance in Delaware.

It also ranks above average in J.D. Power’s Claims Satisfaction study, indicating that customers are generally happy with its claims resolution process.

Strong Financial Stability

Although it’s a lesser-known insurance company, The Hartford has a good reputation and solid financial strength ratings from various third-party agencies, meaning it can be trusted to pay out claims to policyholders. Here are its ratings from various agencies: