Delaware auto insurance averages - $1,462.03 per year in 2023, ranked #9 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Delaware sits above the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,462.03 ▲12.8% | $962 |
| 2022 | $1,296.14 ▲3.1% | $868 |
| 2021 | $1,257.08 ▲0.5% | $856 |
| 2020 | $1,250.51 ▼2.8% | $862 |
| 2019 | $1,286.99 | $897 |
Evidence lead: 2023 cost position
Delaware's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
Delaware's $1,462.03 average expenditure ranks #9 of 51. This is the dataset's highest-cost tier. The comparison uses average expenditure—the blended amount paid across purchased coverages—not an individual quote or the unweighted sum of the component premiums.
Year-by-year shape
Delaware's series dips once, -2.8% in 2020, and finishes above where it started without moving far. Both the dip and the recovery are small: the latest step is +12.8% and the largest single move is +12.8% in 2023. The five-year picture is closer to flat than to a trend.
Five-year movement
From 2019 to 2023, Delaware changed +13.6%, ranking #39 of 51 for growth in average expenditure. The state moved more slowly than the central cohort. A slower statewide change does not imply a particular resident's renewal was stable; the source tracks an aggregate across the market.
Coverage-component signature
Delaware's most distinctive 2023 component is liability: $962.00, or 44.4% above the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Broad registry context
The companion registry spans 60 companies and 9,064 complaint records for Delaware. Those counts rank #8 and #9 of 51, placing this lookup in the broadest coverage tier. Its scale supports a wide company comparison, but raw complaint volume is not a complaint rate and cannot explain the auto-expenditure result.
Nearest expenditure peers. By average expenditure, Delaware's closest peers in this dataset are Nevada ($1,461.47) and Colorado ($1,452.82), both within a few dollars of Delaware's own $1,462.03.
Note on state comparisons: These averages reflect the mix of coverages purchased in Delaware, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
