Cheap Delaware Car Insurance

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Cheap Car Insurance

Cheap Insurance for Good Drivers in Delaware

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Delaware drivers without a recent at-fault accident save 35% on their car insurance, on average — above the national average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Cheap Insurance for Young Drivers in Delaware

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Delaware, one of the most expensive states for teen drivers, the typical teenager pays $6,683 per year — about $1,700 more than the national annual average.

Cheap Car Insurance for Bad Drivers in Delaware

If you have no at-fault accidents, speeding tickets, or DUIs, you can save money on car insurance. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It's especially important to avoid at-fault accidents, speeding tickets and DUI citations in Delaware, where insurance penalties are larger than in other states. In fact, a single speeding ticket could raise your car insurance rates by 18% in the Diamond State.

What are the Best Auto Insurance Companies in Delaware?

Every car insurance company advertises its affordable premiums. But just like with any service, the cheapest auto insurance isn't always the best choice. Considering the stakes, it's worth doing your research to discover an auto policy that can cover your car completely after an accident. Consider weighing your options to unearth the best value, rather than settling for the cheapest auto insurance available.

Review top auto insurance companies' financial strength and claims satisfaction levels to better understand the quality of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to fulfill its contractual and policy obligations.

What is the Best Car Insurance Coverage in Delaware?

The legal minimum car insurance in the state of Delaware is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

If you choose the legal minimum coverage in Delaware, you'll owe an average of $1,048 yearly. This cost is more costly than the national average by 59%. If you opt for better auto insurance coverage, you can select a policy with comprehensive and collision coverage, protecting against costs incurred by auto crashes, theft, or weather incidents. It's worth noting that better car insurance comes at a cost: in Delaware, a comprehensive insurance policy with a $1,000 deductible costs $1,534, 46% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, expect to pay 61% more than you might for a liability-only policy.

Contrast average expenditures for liability-only and comprehensive coverage levels below.

Car Insurance Laws

State minimum insurance requirements in Delaware

Delaware drivers must maintain liability insurance and personal injury protection coverage at the below minimum levels. 

Liability

• Bodily Injury $25,000 per person
• Bodily Injury $50,000 per accident
• Property Damage $10,000 per accident

Personal Injury Protection (PIP)

• $15,000 per person
• $30,000 per accident

Optional coverage in Delaware (varies by carrier):

• Comprehensive
• Collision
• Loan/Lease Payoff
• Rental Car Reimbursement
• Roadside Assistance
• Uninsured/Underinsured Motorist Bodily Injury

Learn more about car insurance laws in Delaware.

Delaware Car Insurance FAQs

Is Delaware a no-fault insurance state?

No. In Delaware, you are only legally and financially responsible for damages you cause in a collision, unlike a no-fault state.

Does Delaware accept online auto insurance?

If your current company is recognized by Delaware's DMV department, online insurance is accepted.

Do you need car insurance in Delaware?

Yes. In order to legally register and drive your vehicle on public roads, your vehicle needs to be insured.

How Do Tickets Impact Delaware Car Insurance Rates?

When you receive a ticket your car insurance rates will probably go up. By how much depends on the violation's severity, your insurance company's pricing strategy, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

See below car insurance costs in Delaware after a few common citations.