Delaware vs New Jersey Car Insurance

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

Quick Verdict

More Affordable

Delaware is $50/yr cheaper on average.

Fewer Uninsured

Delaware has a lower uninsured rate (11.4% vs 14.9%).

Rate & Coverage Comparison

Attribute	Delaware	New Jersey
Avg Annual Premium	$1,920	$1,970
Min Liability	$630	$650
Full Coverage	$1,920	$1,970
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.4%	14.9%
Registered Vehicles	811,800	7,616,980
Accidents/Year	12,177	114,254
Population	990,000	9,289,000

Minimum Coverage Requirements

Delaware

25/50 / 10 liability

New Jersey

15/30 / 5 liability

Premium Comparison

Delaware$630 – $1,920

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

New Jersey$650 – $1,970

Liability: $650Avg: $1,970Full: $1,970

DelawareFull rates, age breakdown, requirements →New JerseyFull 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 New Jersey?

Delaware has cheaper car insurance, with an average annual premium of $1,920 compared to $1,970 in New Jersey - a difference of $50 per year.

How do Delaware and New Jersey compare on fault systems?

Delaware uses a at-fault (tort) system while New Jersey uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Delaware vs New Jersey?

Delaware requires 25/50 / 10 liability. New Jersey requires 15/30 / 5 liability. Minimum liability costs $630/yr in Delaware and $650/yr in New Jersey.

Which state has more uninsured drivers, Delaware or New Jersey?

New Jersey has a higher uninsured driver rate at 14.9%, compared to 11.4% in Delaware. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Delaware vs New Jersey 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

New Jersey

Avg Annual Premium

$1,920

$1,970

Min Liability

$630

$650

Full Coverage

$1,920

$1,970

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.4%

14.9%

Registered Vehicles

811,800

7,616,980

Accidents/Year

12,177

114,254

Population

990,000

9,289,000