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, 10,581 people used QuoteWizard to compare quotes from top companies and find the cheapest car insurance rates in Delaware.

Best Car Insurance Companies in Delaware

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Delaware. Out of the 10,581 Delaware drivers that used QuoteWizard to request insurance quotes last year, 972 had no car insurance.

Top 10 Vehicles

These are the most common vehicles owned by Delaware drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Honda Accord LX/EX
  3. Nissan Altima 2.5 S
  4. Honda Civic
  5. Hyundai Sonata GLS
  6. Chevrolet Silverado
  7. Ford Taurus
  8. Ford Explorer
  9. Ford Ranger
  10. Ford Mustang
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Delaware State Auto Insurance Laws

Minimum Car Insurance Requirements in Delaware

Legally nearly all US drivers are required to carry a minimum level of insurance, but those levels actually do vary from state to state. In Delaware drivers need to follow what is known as the 15/30/10 rule when it comes to their insurance policies.

This means that any policy must include the following:

  • $15,000 of bodily injury or death of 1 person in any 1 accident
  • $30,000 of bodily injury or death of any 2 people in any 1 accident
  • $10,000 of injury to or destruction of property of others in any 1 accident

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:

 

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

Required Proof of Car Insurance

All drivers in Delaware must be prepared to show proof of car insurance upon request to law enforcement or any other party involved in an accident. Proof of insurance can be in the form of a card provided by your insurer or a digital image of the insurance card on your smartphone.

Failure to show valid proof of insurance is a serious traffic infraction.

Penalties

If you can't prove that you meet the minimum Delaware insurance requirements, you could face a fine of $1,500 for the first offense and $3,000 for the second and subsequent offenses as well as a 6-month suspension of driving privileges.

Delaware drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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SR-22 Requirements

Delaware residents that have had their driver’s license suspended due to drunk driving convictions, reckless driving, driving uninsured or other violations are not required to carry an SR-22 to prove they meet the state’s minimum insurance requirements.

However, if you reside in Delaware but were convicted of drunk driving in another state, you may need to file an SR-22 where the violation occurred. If you were convicted of drunk driving in Delaware and then move to another state, you may be required to file an SR-22.

To have your license reinstated after a DUI conviction, you must perform the following:

  • Complete an alcohol education program
  • Pay a $143.75 reinstatement fee
  • Possibly complete a character background review
  • Possibly retake your license examinations

State of Delaware Traffic Safety Laws

Distracted Driving Laws

To combat rising numbers of distracted drivers on state roadways, the state of Delaware regulates drivers' use of communication devices. Delaware prohibits all drivers from using handheld devices while operating a motor vehicle on its roadways. This is a primary law, meaning law enforcement can pull you over and issue a citation if they see you driving with a cell phone in your hand. Drivers may, however, use hands-free devices to make and receive calls while driving.

Bus drivers may not use either handheld or hands-free devices. This is also a primary law.

Young drivers ages 16 and 17 are also prohibited from using both handheld and hands-free devices. This too is a primary law. If a novice driver is convicted of violating this law, their driver's license will be suspended for a minimum of 30 days. Drivers with other violations could be required to attend operator retraining classes.

There is a statewide ban on texting while driving. This is also a primary law. This regulation makes it illegal for anyone to write, send, or read text messages when operating a motor vehicle.

If a police officer sees you using your phone illegally, they can pull you over and write you a $106 ticket. Since this law went into effect, over 35,000 cell phone citations have been issued.

Implied Consent Law

Delaware’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of driving while under the influence (DUI) of drugs or alcohol. Refuse the test and you’ll face the following penalties as well as those for a DUI:

  • First Offense: 1-year loss of license and/or driving privileges
  • Second Offense: 18-month loss of license and/or driving privileges
  • Third Offense: 2-year loss of license and/or driving privileges

DUI Law and Penalties

If you drive or operate a motor vehicle in Delaware with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Maximum 6 months in jail
  • A fine of between $500 and $1,000
  • 12 to 24-month driver’s license suspension

The penalties for a second offense DUI conviction are more severe:

  • Between 2 and 18 months in jail
  • A fine of between $750 and $2,500
  • 12 to 24-month driver’s license suspension
  • An ignition-interlock device may be possible after 24 months

After a third DUI conviction the penalties increase to:

  • Between 1 and 2 years in jail
  • A fine of between $1,500 and $5,000
  • 24 to 36-month driver’s license suspension
  • An ignition-interlock device may be possible after 24 months

After a fourth DUI conviction the penalties are raised to:

  • Between 2 and 5 years in jail
  • A fine between $3,000 and $7,000
  • 60-month driver’s license suspension
  • An ignition-interlock device may be possible after 48 months

5th DUI Offense: For a fifth DUI occurring any time after 4 previous offenses, a driver will be fined not less than $3,500 nor more than $10,000 and imprisoned not less than 3 years nor more than 5 years.

6th DUI Offense: For a sixth DUI occurring any time after 5 previous offenses, a driver will be fined not less than $5,000 nor more than $10,000 and imprisoned not less than 5 years nor more than 8 years.

7th DUI Offense: For a seventh DUI occurring any time after 6 previous offenses, or for any subsequent offense, a driver will be fined not less than $10,000 nor more than $15,000 and imprisoned not less than 10 years nor greater than 15 years.

Senior Drivers in Delaware

Delaware has no special provisions for senior drivers, but all drivers are required to renew their licenses every 8 years.

Seat Belt Laws

Delaware requires that passengers 16 years of age and older wear seat belts at all times. The maximum seat belt violation fine is $25 for a first offense.

Vehicles Registered in Another State

When you drive a vehicle in Delaware that’s required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

The Cost of Driving in Delaware

Average Delaware Car Insurance Rates

The average cost of car insurance in Delaware in 2015 was $1,145.66 compared to a national average of $889.01. Delaware is ranked the 8th most expensive state for car insurance.

Car Insurance Risk in Delaware

Traffic Fatalities

In 2013, there were 99 traffic fatalities in Delaware, a 13% decrease from the 114 traffic fatalities reported in 2012.

  2010 2011 2012 2013
Total Fatalities 101 99 114 99

Vehicle Thefts

Delaware had 1,267 vehicle thefts reported in 2014, a 6.5% decrease compared to 2013 when 1,355 vehicles were reported stolen. In 2014, the vehicle theft rate was 135.4 per 100,000, a decrease of 7.5% from the 2013 rate of 146.4 per 100,000.

The vehicle theft rate in Delaware is significantly less than the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles

Some cars are more prone to theft than others, be sure to check the list below to see if your car is at risk.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1999 Honda Civic
  2. 2003 Honda Accord
  3. 2005 Ford Pick-Up (Full Size)
  4. 1999 Chevrolet Pick-Up (Full Size)
  5. 2013 Toyota Camry
  6. 2013 Toyota Corolla
  7. 2008 Nissan Altima
  8. 2006 Chevrolet Impala
  9. 2003 Dodge Pick-Up (Full Size)
  10. 1998 Ford Explorer

Uninsured Motorists

In 2012, it was estimated that 11.5% of all drivers on Delaware roads had no car insurance. This number is very close to the national average of 12.6% and ranks Delaware 27th in the nation for uninsured motorists.

Delaware Auto Insurance Company Market Share

Source: Insurance Information Institute
Rank Market Share Company
1 16.6% Nationwide Mutual Insurance Co.
2 14% Berkshire Hathaway
3 8.6% Liberty Mutual
4 7.8% Progressive Co.
5 6.8% USAA Insurance Group
6 5.8% Allstate Co.
7 3% Hartford Financial Services
8 2.6% Farmers Insurance Group of Companies
9 2.2% Travelers Companies Inc.

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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