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

The Zebra
Nov. 12, 2018

Auto insurance is expensive in Delaware. The average auto insurance rate in Delaware is $1,700 per year — more than the national average by 19.1%.

Your auto insurance prices are dictated by more than just your location. Auto insurance premiums incorporate a number of components, such as a driver's age, credit rating, driving history, gender, and marital status.

We assessed mean Delaware car insurance prices by all of the main pricing components. Continue reading to learn how much car insurance costs in your location — or submit your zip code to receive unique rates from leading insurance companies.


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Average Delaware auto insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations

Average Car Insurance Costs in Delaware by Age

It's a common phenomenon: as you grow older, your car insurance expenditures shift. Generally, auto insurance is pricier for teenage drivers, as insurers view inexperienced drivers as more risky.

In Delaware, car insurance runs $8,357 annually for a 16-year-old motorist, versus $1,542 annually for a driver in his or her 50s.


DELAWARE CAR INSURANCE COSTS BY AGE
AgeAverage 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

If you're shopping for car insurance for a teen driver, Delaware is the 44th cheapest state in which to buy auto insurance for a 16-year-old.




Average Auto Insurance Costs in Delaware by Gender

While gender does not make as significant an effect on car insurance costs as a driver's location or age, it is employed as a rating factor by underwriters.


DELAWARE AUTO INSURANCE RATES BY GENDER
GenderAverage Annual Rate
Male$1,670.12
Female$1,692.72

If you think about getting the best value for your money with your active car insurance company, the best option is to do some shopping.




Average Auto Insurance Rates in Delaware by Marital Status

One benefit of married life — aside from the wedding gifts — is the better deal you tend to receive on auto insurance. In Delaware, married drivers save $52 per year on car insurance. This is less than the US post-nuptial discount of $76.


DELAWARE AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,670.12
Married$1,617.82
Divorced$1,662.38
Widowed$1,658.62

Car insurance coverage for divorced drivers in Delaware is the 8th most expensive in the nation. If you are being overcharged for your policy, consider doing some comparison shopping. You could save big!




Average Car Insurance Rates in Delaware by Credit

Car insurers use credit history to get an idea of how reliable a customer will be. Trended data show drivers who hold solid credit are more insurable car insurance clients: they're less likely to file claims that cost auto insurance companies money.

In Delaware, a driver who has exceptional credit saves $1,782.14 each year in insurance payments, versus a driver who has a poor credit history. Read more about how credit history impacts auto insurance expenses:


DELAWARE AUTO INSURANCE RATES BY CREDIT TIER
Credit TierAverage Annual Premium
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

Finding cheap car insurance with bad credit is sometimes difficult. But we're here to help out. Read our tips on getting car insurance with bad credit and save!




Average Auto Insurance Costs for High-Risk Motorists in Delaware

If you’re determined to be at fault after a car accident or found guilty of a vehicular infraction, your auto insurance costs are bound to climb. The more violations you accumulate, the more costly your auto insurance becomes.

In Delaware, your first at-fault fender bender leads to an additional $718.99 each year in car insurance premiums. A DUI — considered one of the most serious driving infractions — could grow your annual car insurance costs in Delaware by an average of $1,243.91.


DELAWARE AUTO INSURANCE COSTS AFTER DRIVING OFFENSES
AgeAverage Yearly Premium
DUI/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 facing above-average car insurance payments, it's worth getting quotes to find affordable coverage that suits your needs.


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