Auto insurance for good drivers in Delaware
Many of the factors insurance companies use to set your car insurance rates lie beyond your control, including your age, location, and gender. There are, however, a few factors you can more easily alter in pursuit of lower rates.
If you’re seeking more affordable insurance, try to keep your driving history clean, your credit score high, and your monthly mileage low. Insurers provide price cuts to customers who present relatively little risk. Exhibiting as little risk as possible behind the wheel — and in everyday life — can result in more affordable rates.
See below rates from top companies for low-risk drivers in Delaware.
Car insurance rates for drivers with no citations in Delaware
One of the best ways to ensure you pay less for car insurance is to maintain a good driving record. Car insurance companies view good drivers as less risky customers and in turn, charge them lower premiums. Staying on the good side of the law is a great way to cut your costs.
If you're free of tickets, start your search for car insurance with USAA, which offers an average annual insurance rate of $730. That totals $1,098less than the average car insurance rate for drivers without driving violations in Delaware.
CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN DELAWARE
| Insurance Company | Avg. Annual Auto Insurance Rate |
| USAA | $730 |
| Donegal Mutual Insurance Co | $973 |
| Atlantic States Insurance | $1,509 |
| Nationwide | $1,559 |
| GEICO | $1,617 |
| State Farm | $1,821 |
| Encompass | $2,146 |
| National Grange Mutual | $2,248 |
Auto insurance rates for drivers with high credit scores in Delaware
Car insurance companies reward drivers who maintain above-average credit. If you have a credit score in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.
If your credit score sits within the "good" tier, your best auto insurance option in Delaware could be USAA, offering average rates of $730. If your credit score is even better (in the "excellent" range), USAA could be the best option. USAA's rates for drivers who have credit scores of 800 or better are $965 per year less than the typical car insurance rate for drivers with excellent credit in Delaware.
Find below a breakdown of auto insurance rates in Delaware for drivers with good, very good, and excellent credit scores.
CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN DELAWARE
| Insurance Company | Avg. Annual Auto Insurance Rate |
| USAA | $730 |
| Donegal Mutual Insurance Co | $973 |
| Atlantic States Insurance | $1,509 |
| Nationwide | $1,559 |
| GEICO | $1,617 |
| State Farm | $1,821 |
| Encompass | $2,146 |
| National Grange Mutual | $2,248 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN DELAWARE
| Insurance Company | Avg. Annual Auto Insurance Rate |
| USAA | $618 |
| Donegal Mutual Insurance Co | $896 |
| Atlantic States Insurance | $1,477 |
| Nationwide | $1,500 |
| GEICO | $1,537 |
| State Farm | $1,539 |
| National Grange Mutual | $2,037 |
| Metropolitan | $2,093 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN DELAWARE
| Insurance Company | Avg. Annual Auto Insurance Rate |
| USAA | $543 |
| Donegal Mutual Insurance Co | $840 |
| State Farm | $1,315 |
| Nationwide | $1,424 |
| Atlantic States Insurance | $1,463 |
| GEICO | $1,490 |
| Metropolitan | $1,669 |
| Encompass | $1,790 |
Car insurance for occasional drivers in Delaware
The fewer miles you drive, the less likely you are to be involved in a collision. That’s the logic auto insurance companies use to assign lower premiums to drivers who use their cars infrequently. If you stay below the 7,500-mile-per-year threshold, you’re likely to save some money on auto insurance each month. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.
If you're a Delaware driver who drives less than 7,500 miles per year, consider USAA, offering average annual savings of $1,174 for low-mileage drivers.
AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN DELAWARE
| Insurance Company | Avg. Annual Auto Insurance Rate |
| USAA | $654 |
| Donegal Mutual Insurance Co | $973 |
| GEICO | $1,451 |
| Atlantic States Insurance | $1,509 |
| Nationwide | $1,559 |
| State Farm | $1,599 |
| Encompass | $2,146 |
| National Grange Mutual | $2,248 |
Car insurance rates for good drivers in Delaware — by city
Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Auto insurance companies price policies by the driver’s home ZIP code, adjusting prices for the risk presented by specific locations.
Find below a breakdown of auto insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.
| City | Avg. Rate — No Incidents | Avg. Rate — Good Credit | Avg. Rate — Very Good Credit | Avg. Rate — Excellent Credit | Avg. Rate — Low Mileage |
| Dover | $1,229 | $1,229 | $1,120 | $1,017 | $1,158 |
| Middletown | $1,342 | $1,342 | $1,215 | $1,097 | $1,233 |
| Newark | $1,498 | $1,498 | $1,360 | $1,231 | $1,398 |
| Wilmington | $1,583 | $1,583 | $1,438 | $1,302 | $1,486 |
| Bear | $1,615 | $1,615 | $1,462 | $1,319 | $1,493 |
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