Delaware vs Indiana Car Insurance

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

Quick Verdict

More Affordable

Indiana is $390/yr cheaper on average.

Fewer Uninsured

Delaware has a lower uninsured rate (11.4% vs 14.0%).

Rate & Coverage Comparison

Attribute	Delaware	Indiana
Avg Annual Premium	$1,920	$1,530
Min Liability	$630	$500
Full Coverage	$1,920	$1,530
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.4%	14.0%
Registered Vehicles	811,800	5,564,520
Accidents/Year	12,177	83,467
Population	990,000	6,786,000

Minimum Coverage Requirements

Delaware

25/50 / 10 liability

Indiana

25/50 / 25 liability

Premium Comparison

Delaware$630 – $1,920

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

Indiana$500 – $1,530

Liability: $500Avg: $1,530Full: $1,530

DelawareFull rates, age breakdown, requirements →IndianaFull 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, Delaware or Indiana?

Indiana has cheaper car insurance, with an average annual premium of $1,530 compared to $1,920 in Delaware - a difference of $390 per year.

How do Delaware and Indiana compare on fault systems?

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

What are the minimum insurance requirements in Delaware vs Indiana?

Delaware requires 25/50 / 10 liability. Indiana requires 25/50 / 25 liability. Minimum liability costs $630/yr in Delaware and $500/yr in Indiana.

Which state has more uninsured drivers, Delaware or Indiana?

Indiana has a higher uninsured driver rate at 14.0%, compared to 11.4% in Delaware. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Delaware vs Indiana 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

Delaware

Indiana

Avg Annual Premium

$1,920

$1,530

Min Liability

$630

$500

Full Coverage

$1,920

$1,530

Fault System

At-Fault (Tort)

Uninsured Rate

11.4%

14.0%

Registered Vehicles

811,800

5,564,520

Accidents/Year

12,177

83,467

Population

990,000

6,786,000