Best Auto Insurance Rates in Delaware

On average, your neighbors pay $95 a month.

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Compare Auto Insurance in Delaware

Delaware is known as the First State. Here at QuoteWizard, we’ve compiled useful insurance information from industry and government sources which Delawareans can use to find the best car insurance rates.

This page will show you which types of coverage are legally required in Delaware, inform you about important insurance laws, and provide both information about the cost of driving, and some insights about insurance risk in Delaware, all to help protect you and your family.

Average Delaware Car Insurance Rates

How much is car insurance in Delaware? Auto insurance is much more expensive than it is in most of the country. On average, Delaware drivers pay 30% more for auto insurance than the average American. The average cost of car insurance in Delaware is $1,145.66 per year. The national average price is $889.01.

Prices will vary depending on your car, driving record, zip code, limits, and the number of claims filed in your neighborhood.

Delaware (DE) Average Annual Car Insurance Rates
Coverage Rates
Liability $799.30
Collision $318.77
Comprehensive $122.49
Total Cost Per Year $1,145.66
Price Per Month $95.47
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Delaware insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Delaware car insurance rates increased from $1,048 in 2011 to $1,125 in 2015, a jump of $97 dollars, or 9.32 percent.

Delaware average car insurance rates

If you’re like most people, car insurance is a must-have. But that doesn’t mean you should go with the first policy that comes your way.

You want car insurance that’s reliable and fits your needs while also being affordable. To get that, you have to compare quotes.

That can take some time if you do it yourself. With QuoteWizard, you can do it in seconds. Fill out our form and we’ll connect you to multiple top car insurance companies so you can compare rates and get the best coverage in Delaware.

Last year, 26,989 people used QuoteWizard to compare quotes from top companies and find the cheapest car insurance rates in Delaware.

Most Popular Auto Insurance Companies in Delaware

These are the common auto insurers used by Delaware QuoteWizard users last year. Out of 26,989 Delawareans who used QuoteWizard to find quotes, 2,303 had no insurance.

What companies offer the insurance you’re looking for? You can compare them side by side on our compare page. We’ve put together guidelines for the 30 biggest insurance companies in America.

If you’re having a hard time finding an insurer to cover you, check with the Delaware Automobile Insurance Plan (DAIP). The DAIP is set up to provide coverage for high-risk drivers or people who otherwise struggle to find a policy.

If you’re a teen driver or the parent of one, you’re going to want affordable insurance. Insuring a teen is not cheap. We’ve found that car insurance for teens will cost an average of $438 a month.  Allstate, GEICO, and Esurance are known to provide good coverage for teen drivers.

Top Ten Vehicles

These are the most common cars owned by QuoteWizard users in Delaware:

  1. Honda Accord
  2. Ford F150
  3. Nissan Altima
  4. Toyota Camry
  5. Ford Fusion
  6. Ford Focus
  7. Honda Civic
  8. Jeep Grand Cherokee Laredo
  9. Ford Explorer
  10. Chevrolet Malibu
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Delaware Car Insurance Rate Factors

Auto insurance in Delaware costs more than average. Why? There are regional factors that raise auto insurance premiums of everyone in the state. They include local auto theft rates, driver history, percentage of uninsured drivers, and more.

Uninsured Drivers

11.4 percent of Delaware drivers are uninsured. That puts Delaware at 28th for the highest rate of uninsured drivers in the nation. This is just a bit below the national average of 13 percent, but can still hurt rates in the state.

Best and Worst Drivers

Our study found that Delaware has the 15th worst drivers in the country. This ranking considers the accident, citation, speeding ticket, and DUI history of Delaware’s drivers. People living in an area with bad drivers tend to see their insurance rates increase.

Stolen Vehicles

Following is a list of the most frequently stolen cars in Delaware. Vehicles that are high-risk for theft tend to carry higher premiums. Check and see if your car is one of them.

Source: National Insurance Crime Bureau- 2017 Hot Wheels Report

  1. 2000 Honda Civic
  2. 2005 Honda Accord
  3. 2012 Chevrolet Malibu
  4. 2016 Ford Pickup (Full Size)
  5. 2013 Hyundai Sonata
  6. 2007 Chevrolet Impala
  7. 2016 Hyundai Elantra
  8. 2011 Toyota Camry
  9. 2003 Nissan Altima
  10. 2013 Honda Accord

Car Insurance Discounts in Delaware

Many insurance companies provide discounts to their policyholders. Here are some that might be of good use to Delaware drivers.

  1. Delaware is the home of Dover Air Force base. If you’re a current or retired military personnel, most insurers have a discount for you.
  2. The average Delawarean household has two cars. If you have two or more cars, see if you qualify for a multi-car discount.
  3. If you already have a life or home insurance policy, ask your insurance company about bundling your insurance. Bundling lets you save money on both policies when you combine them.
  4. Delaware is a popular state for retirees. If you’re retired or soon will be, see if your insurer offers a discount.
  5. If you pay your annual premium all at once, your insurer might have a discount for you.

Delaware Car Insurance Laws

Minimum Car Insurance Requirements in Delaware

Delaware drivers are required to carry the minimum auto coverage of 15/30/10. This means your policy needs to have at least:

  • Bodily Injury Liability per person: $15,000
  • Bodily Injury Liability per incident: $30,000
  • Property Damage Liability: $10,000

If you cancel your auto insurance at any time, your license plates must be turned in to your local Delaware DMV prior to the cancellation.

Recommended Coverage Levels

It may be tempting to just go with a bare bone minimum liability insurance, but one serious crash can change your mind. While liability insurance can help with the damages of the other driver, it does nothing for your own.

As a sparsely populated state, Delaware drivers log a lot of miles. According to the Federal Highway Administration, Delaware residents drive nearly 15,000 miles per year on average. More time on the road leads to a higher chance of accidents, so it’s a good idea to get collision coverage. It’ll protect you in the event of a car crash.

You should also consider increasing your liability coverage. A severe accident can easily cost more than what minimum liability will cover. This leaves you footing the rest of the bill. To make sure you’re protected, we suggest getting:

  • Individual Body Injury Liability: $100,000
  • Total Bodily Injury Liability: $300,000
  • Property Damage Liability: $100,000

Required Proof of Insurance

Delaware law requires you to show proof of auto insurance upon request from law enforcement. This proof can either be in the form of an insurance ID card or digital card on a smartphone.

FR-19 Requirements

Delaware does not require SR-22s, but it is one of two states (the other being Maryland) that require an FR-19. The FR-19, like an SR-22, is a proof of insurance. Delaware drivers may need to present it if audited by the state DMV as proof that they carry minimum insurance.

Totaled Cars with Salvage or Rebuilt Titles

If your car is damaged in an accident and the cost to repair it is close or equal to the car’s actual cash value, your insurance company can declare it a total loss. Total loss vehicles get a salvage title. If the car gets repaired to road-worthiness, it earns a rebuilt title.

Each state has its own laws to deal with totaled cars. In Delaware, total loss is calculated by a Total Loss Formula (TLF).  Your insurer will add the car’s repair cost to its scrap value. If the sum equals or exceeds the car’s actual cast value, it’s considered totaled.

Finding insurance for a rebuilt or salvage titles in Delaware is a challenge. You’ll likely pay a higher premium to cover it. Some insurers will not cover these titles.

Delaware Traffic Safety Laws

Distracted Driving

Delaware prohibits all drivers from using handheld devices while driving, and police can pull you over for it. The first offense carries a fine of about $100. Every offense after that can have a fine of around $350. Hands-free devices are acceptable.

DUI Law

Driving in Delaware with a Blood Alcohol Content (BAC) of 0.08 percent or more, you are guilty of Driving Under the Influence (DUI). Depending on the number of DUI offenses you have on your record, the penalties include:

  • $500 to $15000 fines
  • One to 15 years jail time
  • License suspension for twelve months to five years

Regardless of the penalties the law deals you, there will be an increase in you auto insurance. Our studies show that a first offense DUI can land you an average $830 annual increase in car insurance. This assumes you can find coverage after a DUI, which isn’t guaranteed.

Senior Driver

When you turn 65, you will probably see an insurance rate increase. If you have a clean driving record, the first increase should not be much. However, it will go up as you get older. Delaware drivers 65 and older are required to renew their license at the DMV. In addition, a vision test and a Highway Sign and Signal test are required.

Cars Registered in Other States

If you drive a car in Delaware registered in a different state, it must have the insurance coverage required by that state. You also need to have proof of insurance.

Delaware Department of Insurance

Website:
Homepage
Insurance Commissioner:
Trinidad Navarro
Insurance Hotline:
(800) 282– 8611
Office Hours:
Monday - Friday
8:00 am to 5:00 pm
File a Consumer Insurance Complaint
Complaint Page

Sources:

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