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Cheapest Car Insurance in Delaware (DE)

In Delaware, as in most states, it is illegal for an individual to drive any motor vehicle without proper car insurance. Also, it is unwise to drive through this state without proper knowledge of laws and Delaware driving quirks.

At the very minimum, drivers are required to carry liability insurance which allows for bodily injury protection, property damage, and personal injury protection. BIP and PIP protection limits have to be set at least at $15,000 per person or $30,000 to all people involved in one incident. Property damage insurance must equal at least $10,000.

Optional, affordable Delaware car insurance coverage includes collision, comprehensive, uninsured and under-insured motorist coverage, towing and labor coverage, and rental reimbursement coverage. These help protect you against loss of value or vehicle. Collision coverage pays for physical damage to your car due to colliding with an object, such as a tree or another car. The cost is based upon the car’s value. Comprehensive coverage insures you against damage caused from fire, weather, vandalism, and theft. Uninsured/underinsured motorist coverage protects you against other drivers who may be driving without insurance or against an incident with a hit-and-run driver.

Almost all nationwide insurance companies can provide you with cheap car insurance in Delaware. The most common insurance companies in this state are Nationwide Insurance (which accounts for 23% of the insurance sold in the Delaware), State Farm Insurance (22%), Progressive (10%), Berkshire Hathaway (7%), and Liberty Mutual (7%). These companies sometimes offer discounts. You can make sure you are getting the fairest rate by comparing online, maintaining a good driving record, selecting the lowest possible limits, taking a defensive driving course, and maintain a good school record.

The State of Delaware has idiosyncratic laws regarding cell phone use while driving. While the legislation does not include provisions for hands-free headsets, it does address cell phone use by minors and operators of a school bus. Drivers under 18 years of age who are using a Level 1 learner’s permit cannot legally use a cellular device or any time of handheld communication while driving. If a driver is caught in that situation, their license is suspended for one month on the first offense, and three months on each subsequent offense.

It is important in today’s economy to be able to find low cost car insurance coverage. The cheapest policies are typically found by requesting DE car insurance quotes online. You can easily compare the rates of multiple insurance companies at one time. It is best to look for companies that will offer you a discount especially if you are insuring teenagers. Young drivers can be costly to insure so finding affordable premiums that you can pay is key. Contact agents in DE after you have gotten your quotes so that you can choose the cheapest and best policy.

“ We offer both liability and comprehensive vehicle coverage, and service everyone including women, young drivers, students, new drivers, and everyone else under the sun in Delaware!”

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Actual Yearly Savings
  • Mercades
  • $1000
  • Apr 9, 2014
  • Steven
  • $1200
  • Apr 6, 2014
  • Sydney
  • $2400
  • Apr 6, 2014
  • Teddy
  • $1200
  • Apr 5, 2014
  • Shyte
  • $660
  • Apr 2, 2014
  • Janna
  • $1200
  • Apr 1, 2014
  • Bre-on
  • $400
  • Mar 31, 2014
  • Vita
  • $1200
  • Mar 31, 2014
  • Curtis
  • $2400
  • Mar 28, 2014
  • Clinton
  • $400
  • Mar 25, 2014
  • Janelle
  • $1800
  • Mar 25, 2014
  • Amanda
  • $1000
  • Mar 21, 2014
  • Tricia
  • $600
  • Mar 21, 2014
  • Douglas
  • $1000
  • Mar 20, 2014
  • Edmund
  • $1200
  • Mar 18, 2014
  • Dashawn
  • $1100
  • Mar 18, 2014
  • Summer
  • $2016
  • Mar 15, 2014
  • Hashem
  • $1000
  • Mar 14, 2014
  • Test
  • $1500
  • Mar 14, 2014
  • Margaret
  • $2400
  • Mar 14, 2014
  • Jacqueline
  • $2400
  • Mar 14, 2014
  • Jessica
  • $1200
  • Mar 13, 2014
  • Sofrona
  • $400
  • Mar 13, 2014
  • Angela
  • $1200
  • Mar 12, 2014
  • Lenorris
  • $696
  • Mar 11, 2014
  • Robert
  • $500
  • Mar 9, 2014
  • Stacry
  • $2400
  • Mar 9, 2014
  • Adam
  • $2000
  • Mar 8, 2014
  • Naemo
  • $100
  • Mar 8, 2014
  • Maxine
  • $600
  • Mar 7, 2014
  • Kevin
  • $2136
  • Mar 5, 2014
  • Jessica
  • $600
  • Mar 4, 2014
  • Edwin
  • $960
  • Mar 3, 2014
  • Igor
  • $1500
  • Mar 1, 2014
  • Solee
  • $600
  • Mar 1, 2014
  • Ahmed
  • $420
  • Mar 1, 2014
  • Alexander
  • $2268
  • Feb 27, 2014
  • Michael
  • $2400
  • Feb 27, 2014
  • Tyanna
  • $400
  • Feb 26, 2014
  • Natesha
  • $1200
  • Feb 25, 2014
  • Trini
  • $720
  • Feb 23, 2014
  • Wanda
  • $120
  • Feb 22, 2014
  • Alex
  • $1200
  • Feb 22, 2014
  • Courtney
  • $300
  • Feb 19, 2014
  • Brenda
  • $210
  • Feb 18, 2014
  • Ryan
  • $400
  • Feb 16, 2014
  • Mandy
  • $400
  • Feb 13, 2014
  • Brianne
  • $1800
  • Feb 13, 2014
  • Daniel
  • $2000
  • Feb 12, 2014
  • Jaime
  • $1080
  • Feb 12, 2014

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One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

Jared



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