Progressive Auto Insurance in Delaware
Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive typically costs in Delaware for 2026 — plus the 3 cheaper alternatives most Delaware drivers overlook.
Estimated annual premium
$1,775
Estimated monthly
$148
Delaware state avg
$1,950
vs Delaware avg
-9%
Why drivers pick Progressive
Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.
Where Progressive falls short
Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.
Delaware minimum coverage requirements
- Bodily Injury Liability: 25/50 thousand per person / per accident
- Property Damage Liability: $10K
PIP coverage is required ($15k minimum), bumping baseline premiums vs. neighbors.
Cheaper alternatives to Progressive in Delaware
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in Delaware. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Progressive discounts available to Delaware drivers
Frequently asked questions
How much does Progressive auto insurance cost in Delaware?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive in Delaware runs about $1,775/year (~$148/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Progressive cheaper than other carriers in Delaware?
Yes — Progressive typically runs about 9% below the Delaware state average ($1,950/year for all carriers combined). The cheaper alternatives in Delaware are typically USAA, Erie, GEICO. Whether Progressive is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Delaware minimum coverage requirements?
Delaware requires at least 25/50 thousand in bodily-injury liability per person/per accident and $10K in property-damage liability. Delaware is not a no-fault state, so PIP is optional but recommended for added medical coverage. PIP coverage is required ($15k minimum), bumping baseline premiums vs. neighbors.
Does Progressive offer discounts to Delaware drivers?
Progressive offers 6+ discounts that Delaware drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Progressive's national average ($1,633) multiplied by Delaware's state-vs-national premium index ($1,950 ÷ national average $1,789 ≈ 1.09x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).