Car insurance in Delaware, town by town
Every city and town in Delaware gets its own page of local facts here: real numbers from public records, what the state requires drivers to carry, and where to start your quote. We’re building them county by county, starting with the biggest towns.
New Castle County
The northernmost county and the most populated, home to Wilmington and the I-95 corridor. Full-coverage averages here run the highest in the state, about $274 a month. First pages up: Wilmington, Newark, New Castle, Middletown and Elsmere.
Kent County
The middle of the state, home to Dover, the capital. Full-coverage averages run about $223 a month. First pages up: Dover and Smyrna.
Sussex County
The beaches and the slower south, from Rehoboth Beach to Georgetown. Full-coverage averages run about $210 a month, the lowest of the three counties. Town pages here come next after the northern launches.
County averages are full-coverage rates insurers filed with Delaware regulators as of August 31, 2026, averaged by InsuranceQuotes.com for a 40-year-old driver with a clean record. Averages are not quotes. Your own rate depends on your driving record, your car and your ZIP code.