Car insurance in Delaware is both required by law and an excellent investment decision. Most drivers in the state opt for more than the minimum liability coverage mandated by law; adding Personal Injury Protection (PIP), Comprehensive or Collision coverage to their policy as additional layers of protection to pay for damages caused by drivers who cause accidents as well as cover repair/replace costs when involved with uninsured motorists; increasing coverage limits will help shield you from steep medical bills related to accidents you cause yourself.
Your car insurance costs depend on a range of factors, including your driving history and credit score. But different providers weigh these facts differently, meaning similar events could have much different impacts depending on who provides your policy – this is why it’s crucial to compare quotes from multiple providers before making your purchase decision. Delaware car insurance providers that excel offer affordable policies with outstanding customer service at highly competitive rates.
Travelers is one of Delaware’s premier car insurers and offers the cheapest standard auto policy; however, that doesn’t necessarily make it the right option for everyone. To find a policy tailored specifically to your needs and your budget, compare premiums by rating factor and coverage level.
Delaware is a small but densely-populated state with heavy traffic congestion, making its average car insurance rates significantly above those found nationwide. Therefore, having an impeccable driving record in Delaware is especially crucial as even minor infractions such as speeding tickets can raise rates by an average of 16 percent; serious incidents like DUI convictions could see them skyrocket by 85 percent or more.
Delaware car insurance premiums average $2,518 annually for full coverage. This covers bodily injury liability insurance as well as PIP/medical payments coverage in case of your own injuries; most experts advise purchasing more than the state minimum coverage to safeguard financially in case of an accident.
Maintaining a clean driving record and having excellent credit are both key components to keeping Delaware car insurance rates affordable, yet the biggest influencer may be your credit score. Drivers with excellent credit have typically experienced the lowest premiums while those with poorer scores often pay more. To understand how your credit scores influence your rates use MoneyGeek’s Delaware Car Insurance Calculator.