Delaware, known for its high population density, ranks among the top 10 most densely populated states in the U.S. With congested roads, drivers in Delaware face a higher risk of accidents, making car insurance a crucial investment. However, Delaware insurance costs are also higher than the national average. Despite this, some companies offer better rates than others, making it essential to compare options to find the best auto insurance in the state.
When it comes to finding the best car insurance in Delaware, cost is just one factor to consider. Our team has ranked popular Delaware providers based on various criteria to determine the top auto insurance companies in the state. From reputation and availability to coverage options and customer experience, we have evaluated each company to help you make an informed decision.
Key Takeaways:
- State Farm is our top pick for the best car insurance in Delaware due to its affordable rates and reliable customer service.
- Good drivers in Delaware pay around $99 per month for minimum car insurance and $240 per month for full-coverage car insurance.
- Delaware requires drivers to carry liability coverage limits of $25,000 (bodily injury per person), $50,000 (bodily injury per accident), and $10,000 (property damage per person).
- The state also mandates personal injury protection (PIP) with limits of $15,000 per person and $30,000 per accident.
Best Car Insurance in Delaware:
- State Farm: Known for its affordable rates and excellent customer service, State Farm is our top pick for car insurance in Delaware.
- Travelers: Offering the cheapest rates for both minimum and full coverage, Travelers is a great option for most drivers in Delaware.
- Geico: Ideal for budget-conscious drivers, Geico provides below-average rates and various coverage options.
- USAA: Best for military members, USAA offers affordable rates and exceptional customer service for those who qualify.
- American Family: Best for family policies, American Family provides decent rates and multiple discounts for young drivers and families.
Customer Experience:
Customer experience plays a vital role in choosing the right car insurance company. Factors such as agent availability, claims processing, and overall satisfaction are crucial. Our team considered data from surveys, the Better Business Bureau (BBB), and J.D. Power to evaluate customer service and satisfaction levels.
How To Find the Best Car Insurance in Delaware:
To find the best car insurance in Delaware, it’s essential to know the state’s insurance requirements, consider different buying options, look for the right discounts, and compare rates from multiple companies. Understanding these factors can help you make an informed decision and find the most suitable coverage for your needs.
Average Cost of Car Insurance in Delaware:
Delaware car insurance rates are higher than the national average due to the state’s high population density and insurance requirements. Good drivers in Delaware can expect to pay around $1,194 per year for minimum coverage and $2,881 per year for full coverage. Rates can vary by city, so it’s important to compare prices based on your location.
Best Delaware Car Insurance: The Bottom Line:
Considering factors such as rates, coverage options, and customer service, State Farm emerges as the best car insurance company in Delaware. However, Travelers, Geico, USAA, and American Family are also top contenders, offering competitive rates and quality service. To find the best option for your specific needs, compare quotes from multiple providers.
In conclusion, finding the best car insurance in Delaware requires thorough research and comparison. By considering factors such as cost, coverage, and customer experience, you can make an informed decision and secure the right insurance policy for your vehicle.