What Delaware drivers actually pay for car insurance, from the National Association of Insurance Commissioners’ 2024 Auto Insurance Database (published September 2026) — plus the 25/50/10 minimums, mandatory no-fault PIP inside a fault state, and the FR-19 form behind the #13 ranking.
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Delaware at a glance
The figures below are the NAIC’s combined average premium for Delaware — the average cost of a policy carrying liability, collision, and comprehensive coverage, 2024 calendar year, published September 2026.
Average car insurance premium · Delaware$1,746/yr~$145 a month · #13 of 51 states (1 = priciest) · 108% of the US average
$1,746/yrAverage annual premium (NAIC 2024)
$145/moMonthly equivalent
108%Of the national average
#13 of 51Price rank (1 = priciest)
Delaware$1,746/yrDelaware average · ~$145/mo
+$133/yrvs national average
National average$1,613/yrAll 50 states + DC
Delaware vs the country
Delaware · your state$1,746/yr
Maryland · neighbor$1,768/yr
United States average$1,613/yr
Maine · cheapest state$1,000/yr
How it works: figures are the NAIC’s state combined average premiums — liability + collision + comprehensive written premiums divided by liability written car-years, 2024 calendar year, published September 2026. Monthly = annual ÷ 12. Rank is out of all 50 states + DC, priciest first. These are premiums paid, averaged across coverage amounts and driver profiles — a quote for your specific car, record, and ZIP will differ. Nothing you type leaves your device.
How this number is measured
The $1,746 figure isn’t a quote — it’s what Delaware drivers actually paid on average for policies carrying liability, collision, and comprehensive coverage. The NAIC compiles written premiums from every insurer and divides by insured car-years, so the number reflects real policies, not advertised rates.
What the typical Delaware driver pays per year: $1,746.
Monthly equivalent
annual ÷ 12
The monthly budget figure: about $145.
Index vs US average
state avg ÷ $1,613 × 100
Delaware sits at 108% of the national average — 8 points above the typical state.
Price rank
sorted, priciest first
Delaware is #13 of 51 — the thirteenth most expensive state, $429 behind Florida at the top.
3 things Delaware drivers should know
Delaware requires 25/50/10 — $25,000 bodily injury per person, $50,000 per accident, $10,000 property damage — plus mandatory 15/30 PIP: $15,000 per person and $30,000 per crash in personal injury protection. PIP pays your own medical bills, lost wages, and up to $5,000 in funeral costs regardless of who caused the crash. Uninsured motorist coverage is included in every policy unless you reject it in writing.
Delaware is a fault (tort) state with mandatory no-fault-style PIP — an unusual hybrid. PIP pays your immediate bills no matter what, but fault still decides everything beyond that: the at-fault driver is liable for the remaining damages, and you can sue them. It’s fault-based and PIP-mandatory at the same time.
After a lapse or suspension, Delaware doesn’t use the SR-22 — it uses the FR-19 form: your insurer files it with the DMV to verify your registered vehicle is insured. And don’t let coverage drop: the minimum fine for driving uninsured is $1,500, and a lapse marks you as a high-risk driver for years. Roughly 17.6% of drivers are uninsured (Insurance Research Council, 2023 data), and I-95 corridor density keeps claim frequency high in a small state.
Who uses this page
Movers: budgeting a move to Wilmington or Dover — is ~$145 a month about right for your car insurance?
Drivers: checking whether the renewal quote you just got is anywhere near the state average.
New residents: learning how Delaware’s fault-plus-mandatory-PIP hybrid works — and what the FR-19 form is for.
Researchers & students: the NAIC figures are public statistics — cite them with the block below.
Accuracy & limitations
These are 2024-calendar-year averages published in September 2026 — the freshest official data available. Your 2026 quote will differ by ZIP code (Wilmington and the I-95 corridor vs. southern Delaware’s beach towns is a different universe), vehicle, driving record, coverage limits, and deductibles. Treat $1,746/yr as a benchmark, not a quote.
Cite this pageBright Side Kit. “Average Car Insurance Cost in Delaware.” brightoolbox.com, 2026.Bright Side Kit. "Average Car Insurance Cost in Delaware." https://brightoolbox.com/car-insurance-cost-delaware/ Accessed October 22, 2026.
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Frequently asked questions
How much is car insurance in Delaware per month?
The state average premium is about $145 a month ($1,746 a year) according to NAIC 2024 data — 108% of the national average, ranking #13 of 51 states. Wilmington and I-95-corridor drivers typically pay above the average; southern Delaware drivers often pay below it.
What are Delaware’s minimum car insurance requirements?
Delaware requires 25/50/10 — $25,000 bodily injury per person, $50,000 per accident, $10,000 property damage — plus mandatory 15/30 PIP ($15,000 per person, $30,000 per crash). Uninsured motorist coverage is included in every policy unless you reject it in writing.
Is Delaware a no-fault state?
Partly. Delaware is a fault (tort) state — the at-fault driver is liable for damages and you can sue them — but every policy must carry mandatory PIP that pays your own medical bills and lost wages regardless of fault. It’s a hybrid: no-fault-style first-party benefits inside a fault-based system.
What is the FR-19 form in Delaware?
Delaware’s answer to the SR-22. After an insurance lapse or a license suspension, your insurer files an FR-19 with the Delaware DMV to certify that your registered vehicle is insured. You don’t file it yourself — ask your insurer to submit it — but you can’t reinstate without it.
What happens if I drive without insurance in Delaware?
The minimum fine is $1,500, plus license and registration suspension — and a lapse flags you as a high-risk driver, which inflates your premiums for years even after you’re reinsured. Continuous coverage is the cheapest policy you can buy.
How can I lower my Delaware car insurance?
Shop 3 to 5 companies at every renewal — Delaware’s small market means carriers disagree sharply on identical profiles. Then the usual levers: raise your deductibles to the highest level you could pay overnight, bundle auto with home or renters, enroll in a telematics program, and keep your record clean — a lapse here costs years.