What's the Average Cost of Auto Insurance in Delaware?

The Zebra
Oct. 11, 2018

Auto insurance is expensive in Delaware. The average auto insurance rate in Delaware is $1,700 annually — 19.1% more than the US average.

Your auto insurance prices are impacted by factors other than location. Car insurance premiums incorporate a number of factors, including your marital status, driving history, credit rating, gender, and age.

We assessed average Delaware car insurance prices by all of the major rating qualifications. Read on to see how much auto insurance costs in your state — or submit your zip code to receive personalized prices from leading car insurers.


Average Car Insurance Premiums in Delaware by Age

It’s a fact of life: as you age, your auto insurance rates shift. Typically, auto insurance is pricier for teenage drivers, as insurers consider inexperienced motorists as less responsible.

In Delaware, auto coverage runs $8,357 annually for a 16-year-old driver, but just $1,542 per year for a driver in their 50s.


DELAWARE CAR INSURANCE PRICES BY AGE BRACKET
Age Average Yearly Premium
16 $8,357.24
17 $7,094.23
18 $6,232.06
19 $4,276.08
20s $2,390.16
30s $1,663.79
40s $1,649.63
50s $1,542.07
60s $1,563.21
70s $1,912.05



Average Auto Insurance Rates in Delaware by Gender

While gender doesn’t carry as sizable an impact on car insurance costs as state or age, it is used as a rating factor. Men pay less than do women for auto insurance in Delaware, but the gap is only $22.60 per year.

DELAWARE CAR INSURANCE PRICES BY GENDER
Gender Average Annual Cost
Male $1,670.12
Female $1,692.72



Average Auto Insurance Premiums in Delaware by Marital Status

A benefit of nuptials — in addition to the honeymoon — is the lower rates you typically receive on car insurance. In Delaware, married drivers save $52 per year on car insurance policies. This is less than the US savings of $76.


DELAWARE CAR INSURANCE PREMIUMS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,670.12
Married $1,617.82
Divorced $1,662.38
Widowed $1,658.62



Average Auto Insurance Prices in Delaware by Credit Score

Car insurance companies use credit score as a way of determining a potential customer's reliability. Historical data indicate drivers who carry exceptional credit histories are often more dependable auto insurance clients: they are less likely to file claims covered by insurance companies.

In Delaware, a car insurance client with outstanding credit saves $1,782.14 each year on auto insurance rates, compared with a driver saddled with a poor credit history. Learn more about how credit may impact auto insurance premiums:


DELAWARE CAR INSURANCE PRICES BY CREDIT SCORE
Credit Quality Average Annual Rate
Very Poor (300-579) $3,225.90
Fair (580-669) $2,634.96
Good (670-739) $2,143.57
Very Good (740-799) $1,753.70
Exceptional (800-850) $1,443.75



Average Car Insurance Premiums for High-Risk Drivers in Delaware

If you’re discovered to be at fault for a car accident or convicted of an on-road offense, your auto insurance costs are bound to climb. The more infractions you accumulate, the more costly your auto insurance becomes.

In Delaware, your first minor at-fault crash will lead to an extra $718.99 annually in auto insurance payments. A DUI — thought of as one of the most grave driving violations — can boost your annual insurance expenditure in Delaware by as much as $1,243.91.


DELAWARE CAR INSURANCE PRICES AFTER VIOLATIONS
Age Average Annual Rate
DUI or DWI $2,943.96
Reckless Driving $3,079.48
At-Fault Accident (<$1,000) $2,419.03
At-Fault Accident ($1,000-$2,000) $2,072.32
At-Fault Accident (>$2,000) $2,580.20
Open Container $1,708.43
Speeding (21-25 MPH > limit) $1,774.41
Speeding (16-20 MPH > limit) $1,735.41

If you're tired of dealing with expensive car insurance, consider shopping to get cheap coverage that covers your vehicle appropriately.


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