Delaware vs Texas Car Insurance

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

Quick Verdict

More Affordable

Delaware is $20/yr cheaper on average.

Fewer Uninsured

Delaware has a lower uninsured rate (11.4% vs 14.1%).

Rate & Coverage Comparison

Attribute	Delaware	Texas
Avg Annual Premium	$1,920	$1,940
Min Liability	$630	$640
Full Coverage	$1,920	$1,940
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.4%	14.1%
Registered Vehicles	811,800	23,899,720
Accidents/Year	12,177	358,495
Population	990,000	29,146,000

Minimum Coverage Requirements

Delaware

25/50 / 10 liability

Texas

30/60 / 25 liability

Premium Comparison

Delaware$630 – $1,920

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

Texas$640 – $1,940

Liability: $640Avg: $1,940Full: $1,940

DelawareFull rates, age breakdown, requirements →TexasFull 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 Texas?

Delaware has cheaper car insurance, with an average annual premium of $1,920 compared to $1,940 in Texas - a difference of $20 per year.

How do Delaware and Texas compare on fault systems?

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

What are the minimum insurance requirements in Delaware vs Texas?

Delaware requires 25/50 / 10 liability. Texas requires 30/60 / 25 liability. Minimum liability costs $630/yr in Delaware and $640/yr in Texas.

Which state has more uninsured drivers, Delaware or Texas?

Texas has a higher uninsured driver rate at 14.1%, compared to 11.4% in Delaware. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Delaware vs Texas 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

Texas

Avg Annual Premium

$1,920

$1,940

Min Liability

$630

$640

Full Coverage

$1,920

$1,940

Fault System

At-Fault (Tort)

Uninsured Rate

11.4%

14.1%

Registered Vehicles

811,800

23,899,720

Accidents/Year

12,177

358,495

Population

990,000

29,146,000