Delaware Auto Insurance Rates
Median premium: $957/6mo across 9 carriers and 96 ZIP codes.
Premiums range from $726 to $1,976 — a 2.7x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$957
per 6 months
ZIP Codes
96
with rate data
Carriers
9
rated in DE
Price Spread
2.7x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | State Farm | $800 | 96 ZIPs | 100% | |
| 2 | GEICO | $868 | 0 ZIPs | 0% | |
| 3 | USAA | $870 | 0 ZIPs | 0% | |
| 4 | Progressive | $870 | 0 ZIPs | 0% | |
| 5 | Nationwide | $957 | 0 ZIPs | 0% | |
| 6 | Travelers | $974 | 0 ZIPs | 0% | |
| 7 | Liberty Mutual | $1,001 | 0 ZIPs | 0% | |
| 8 | Farmers | $1,071 | 0 ZIPs | 0% | |
| 9 | Allstate | $1,131 | 0 ZIPs | 0% |
Geographic Insights
Cheapest Cities in Delaware
| City | Avg Median | ZIPs |
|---|---|---|
| Bethany Beach | $726 | 1 |
| Dagsboro | $726 | 1 |
| Delmar | $726 | 1 |
| Fenwick Island | $726 | 1 |
| Frankford | $726 | 1 |
Most Expensive Cities in Delaware
| City | Avg Median | ZIPs |
|---|---|---|
| Saint Georges | $1,375 | 1 |
| Kirkwood | $1,375 | 1 |
| Bear | $1,375 | 1 |
| Newark | $1,229 | 10 |
| Wilmington | $1,146 | 25 |
ZIP Code Extremes
Most Expensive ZIP
$1,672/6mo
19899 (Wilmington)
Cheapest ZIP
$726/6mo
19930 (Bethany Beach)
2.7x
Price Spread
The most expensive ZIP in Delaware costs 2.7x more than the cheapest. Your ZIP code matters more than you think.
Delaware Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Delaware
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Access ZIP-level rate data across all 9 carriers, 96 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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