California vs Delaware Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Delaware is $150/yr cheaper on average.

Fewer Uninsured

Delaware has a lower uninsured rate (11.4% vs 15.2%).

Rate & Coverage Comparison

Attribute	California	Delaware
Avg Annual Premium	$2,070	$1,920
Min Liability	$680	$630
Full Coverage	$2,070	$1,920
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	15.2%	11.4%
Registered Vehicles	32,421,159	811,800
Accidents/Year	486,317	12,177
Population	39,538,000	990,000

Minimum Coverage Requirements

California

15/30 / 5 liability

Delaware

25/50 / 10 liability

Premium Comparison

California$680 – $2,070

Liability: $680Avg: $2,070Full: $2,070

Delaware$630 – $1,920

Liability: $630Avg: $1,920Full: $1,920

CaliforniaFull rates, age breakdown, requirements →DelawareFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, California or Delaware?

Delaware has cheaper car insurance, with an average annual premium of $1,920 compared to $2,070 in California - a difference of $150 per year.

How do California and Delaware compare on fault systems?

California uses a at-fault (tort) system while Delaware uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in California vs Delaware?

California requires 15/30 / 5 liability. Delaware requires 25/50 / 10 liability. Minimum liability costs $680/yr in California and $630/yr in Delaware.

Which state has more uninsured drivers, California or Delaware?

California has a higher uninsured driver rate at 15.2%, compared to 11.4% in Delaware. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the California vs Delaware insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

California

Delaware

Avg Annual Premium

$2,070

$1,920

Min Liability

$680

$630

Full Coverage

$2,070

$1,920

Fault System

At-Fault (Tort)

Uninsured Rate

15.2%

11.4%

Registered Vehicles

32,421,159

811,800

Accidents/Year

486,317

12,177

Population

39,538,000

990,000