Finding cheap car insurance in Delaware can be challenging as the First State has some of the highest auto insurance rates in the nation. Delaware's no-fault insurance system and high population density contribute to elevated premiums. However, smart shopping strategies can help you find affordable coverage.
Delaware's unique insurance market requires understanding the state's requirements and coverage options. By comparing quotes and leveraging discounts, you can secure competitive Delaware car insurance rates.
Delaware Car Insurance Requirements
Delaware requires minimum liability coverage of 25/50/10—$25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage. As a no-fault state, Delaware also requires Personal Injury Protection (PIP) coverage of at least $15,000.
The no-fault system means your own insurance pays for your injuries regardless of who caused the accident, which affects cheap car insurance in Delaware pricing structure.
What Affects Delaware Car Insurance Rates
Your location within Delaware significantly impacts car insurance rates. Wilmington and the northern parts of the state near Philadelphia have higher premiums due to traffic density and accident frequency. Beach communities may have higher comprehensive rates during tourist season.
Delaware's high population density and position along the I-95 corridor contribute to accident rates. The state's no-fault system also tends to increase baseline premiums for Delaware auto insurance.
How to Save on Delaware Auto Insurance
Comparing quotes from multiple insurers is essential for finding cheap car insurance in Delaware. Given the state's high average rates, shopping around can yield significant savings.
Take advantage of Delaware's discount opportunities. Look for safe driver, multi-policy bundle, good student, and anti-theft device discounts. Many insurers also offer low-mileage discounts for Delaware drivers who don't commute long distances.