Car Insurance for Good Drivers in Delaware

The Zebra
July 15, 2019

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 CompanyAvg. 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 CompanyAvg. 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 CompanyAvg. 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 CompanyAvg. 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

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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 CompanyAvg. 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

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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.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. 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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