Delaware Car Insurance with a DUI

If you receive a DUI in Delaware, your auto insurance is going to get more expensive — it's a matter of by how much.


How does being convicted of DUI affect car insurance premiums in Delaware?


In Delaware, a DUI violation will lift your annual car insurance rate by an average value of $1,026. That’s 7% less than the national mean premium hike after a DUI.


CAR INSURANCE AFTER A DUI IN DELAWARE — AVERAGE ANNUAL PENALTY
AreaAvg. Annual Rate — without DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
Delaware$1,803$2,829+57%
United States$1,548$2,556+65%

Shopping for auto insurance in Delaware with a DUI


Finding cheap auto insurance after a DUI offense isn’t easy. In fact, a DUI typically results in a more substantial rate hike than any single driving violation — more than an at-fault accident, reckless driving, or racing.


Best car insurance after a DUI in Delaware

If you're convicted of a DWI or DUI violation in Delaware, it’s crucial to review each of your insurance options thoughtfully. Car insurance rates after a DUI can vary widely by insurer. For example, the best cheap car insurance company after a DUI in Delaware, State Farm, advertises yearly prices 48% less than the state average insurance rate after a DUI. The second-cheapest insurer for car insurance after a DUI in Delaware is Progressive, while the most expensive company is Allstate, at 57% more than average.


CAR INSURANCE RATES WITH DUI IN DELAWARE — BY COMPANY
Insurance CompanyAvg. Annual Rate — After DUI
State Farm$1,463
Progressive$2,577
GEICO$2,865
Nationwide$3,013

There’s no specific car insurance company that offers the cheapest post-DUI auto insurance for every driver. The best way to limit your losses post-DUI violation is to compare policies.

Compare car insurance quotes online or contact an insurance professional to gauge the choices and find an affordable plan.

Learn more about car insurance and DUIs.

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Delaware DUI regulations

The blood alcohol concentration limit in Delaware is set at 0.08% or higher. Commercial drivers are DUI in Delaware if their BAC reads 0.04% or higher.

Delaware is a zero-tolerance state, so underage drivers are not permitted to drive if they have consumed any alcohol.

Drivers may still face arrest if, after a chemical test, their BAC reads a 0.05% or higher.


Delaware DUI penalties

The Delaware lookback period is 10 years for a second offense. For third and subsequent offenses, the lookback period extends to consider all past DUI convictions.

All offenders are subject to longer license revocation periods based on their BAC reading at the time of arrest.

First-time DUI offenders in Delaware are subject to:

  • Up to six months in jail
  • $500 to $1,500 in fines (double for minors)
  • Mandatory installation and use of an ignition interlock device
  • License revocation for one to two years

A second DUI offense in Delaware leads to:

  • 60 days to 18 months in jail
  • $750 to $2,500 in fines (double for minors)
  • Mandatory installation and use of an IID
  • License revocation for 18 to 30 months

A third DUI offense in Delaware results in:

  • One to two years in jail
  • $1,500 to $5,000 in fines
  • Mandatory installation and use of an IID
  • License revocation for two to three years

A fourth DUI offense in Delaware will lead to:

  • Two to five years in jail
  • $3,000 to $7,000 in fines
  • Mandatory installation and use of an IID
  • License revocation for five years

Fifth-time DUI offenders are subject to:

  • Three to five years in jail
  • $3,500 to $10,000 in fines
  • Mandatory installation and use of an IID
  • License revocation for five years

A sixth DUI offense in Delaware results in:

  • Five to eight years in jail
  • $5,000 to $7,000 in fines
  • Mandatory installation and use of an IID
  • License revocation for five years

Penalties for the seventh and subsequent DUI offenses in Delaware are:

  • 10 to 15 years in jail
  • $10,000 to $15,000 in fines
  • Mandatory installation and use of an IID
  • License revocation for five years

DUI penalties for underage drivers in Delaware

In addition to the penalties above, those 17 years old or younger guilty of a DUI with a BAC of 0.08% or higher will have their license revoked until they turn 21.

Those between 18 and 20 will have their license revoked for two months for the first offense. Second and subsequent offenses will lead to license revocations for six months to one year.

Additionally, first-time underage DUI offenders must serve 40 hours of community service. For second and subsequent offenses, underage DUI offenders must serve 80 hours of community service.

Underage DUI offenders must also attend and complete an alcohol education or treatment program.

Sources and references:

https://www.responsibility.org/get-the-facts/state-map/state/delaware/issue/dui-look-back-periods/

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.