Cheap Car Insurance in Delaware

Cheap Car Insurance in Delaware

It is mandatory to get car insurance in Delaware for drivers to drive legally in the state. Different companies in Delaware provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Delaware:

Name of the Company Average annual car insurance premiums
USAA $1006
Travelers $1078
Atlantic States Insurance $1253
Cal Casualty $1325
Nationwide $1557
MetLife $1716
Donegal Mutual $1806
State Farm $1865
GEICO $1951
Encompass $2248
Progressive $2311
National Grange Mutual $2316
Metropolitan $2725
Allstate $3596
Sentry $4821
Liberty Mutual $8410

Cheap car insurance in Delaware for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Delaware with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Delaware provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Delaware by maintaining a good driving record. Most auto insurance companies in Delaware provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $383 on car insurance premiums in Delaware.
  •  Drivers may save $915 on car insurance premiums if they have an accident-free record in Delaware.
  •  By maintaining a good credit history you may save $1560 on car insurance premiums in Delaware. 

Cheap car insurance for inexperienced drivers in Delaware

Most auto insurance providers may charge high auto insurance premiums in Delaware from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Delaware vary according to the age of the drivers. Some companies charge high auto insurance cost from young drivers in Delaware. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $7316 $8362
17 $7070 $7099
18 $7192 $6237
19 $5948 $4281

Affordable auto insurance in Delaware for high-risk drivers

Car insurance companies in Delaware charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Delaware can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Delaware may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $2585
DUI $2949
Speeding Violation $2052
Bad Credit $3231

Best car insurance companies in Delaware

Car insurance prices in Delaware may vary from company to company. Some companies in Delaware charge lower car insurance premiums than others. To get the best auto insurance policy in Delaware you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Delaware by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Delaware:

  1. Allstate
  2. Atlantic States
  3. Cal Casualty
  4. Donegal Mutual
  5. GEICO
  6. Liberty Mutual
  7. MetLife
  8. National Grange Mutual
  9. Nationwide
  10. Progressive
  11. Sentry
  12. State Farm
  13. Titan
  14. Travelers
  15. USAA

What auto insurance coverage is mandatory to purchase for drivers in Delaware?

The average annual cost to get the minimum required coverage in Delaware may be around $1043.  The minimum required coverage for drivers in Delaware to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $10000

 The state minimum auto insurance requirements in Delaware

The state minimum auto insurance coverage requirement in Delaware is liability coverage.

  1. $25000 bodily injury coverage per person is required in Delaware.
  2. $30000 bodily injury coverage per accident is required in Delaware.
  3. $10000 property damage coverage per accident is required in Delaware.

Other types of optional coverages in Delaware are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Uninsured/Underinsured Motorist Bodily Injury

Fine for driving without car insurance in Delaware

If anyone caught driving without a car insurance policy in Delaware then police may charge a fine. There are restrictions on using cell-phones while driving in Delaware. 

Car insurance prices by cities in Delaware

Car insurance premiums in Delaware may vary from city to city. In some cities of Delaware, car insurance prices are high compared to others.

City Average annual insurance premiums
Elsmere $2260
Edgemoor $2228
Bear $2160
Wilmington $2158
Brookside $2106
Hockessin $2019
Claymont $2004
Newark $1980
Pike Creek $1946
Middletown $1910
Smyrna $1796
Dover $1683
Camden $1660
Seaford $1605
Georgetown $1605
Laurel $1583
Milford $1578
Harrington $1577

If you are looking for a car insurance deal in Delaware, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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