Delaware Car Insurance Calculator

The average cost of car insurance in Delaware is currently estimated to be $1,622 annually — which is 6% higher than the national average. Numerous factors impact this cost, including driver age and history as well as credit scores, type of vehicle owned and location considerations by insurers. To provide drivers with a better idea of their individual premium costs we’ve conducted an analysis to identify the least expensive companies in Delaware as well as compare rates based on coverage levels, driving record history and other rating factors.

Drivers in Delaware can save hundreds of dollars annually by shopping around and comparing quotes. Top-rated companies provide discounts that may benefit drivers even with poor driving records or high credit scores, making your choice easier when picking a company suitable to your individual needs. By understanding what drives rates and what can lower them, drivers in Delaware can make informed decisions when selecting their preferred insurers.

Driving Record: Your driving history plays the greatest role in determining the cost of your policy, with traffic violations, at-fault accidents and DUI convictions playing a significant role. More serious infractions often lead to higher premium increases; typically a single speeding ticket increases your rate 16 percent on average; more serious violations such as DUI conviction can raise it by 85 percent.

Age: Insurers often charge younger drivers more for car insurance due to the increased risk they present; insurers consider them more likely to be involved in accidents than older ones and often lack experience driving themselves. To offset this increased risk, some car insurers provide discounted rates based on safety records for younger drivers.

Credit Score: Insurance providers use credit scores to set rates, making it important for drivers to strive towards increasing their score in order to save money. Insurers have reported that those with excellent credit pay approximately half as much for car insurance than those with poor scores.

Location: Your crime and accident rates in your city can have a substantial effect on your vehicle insurance rates, with cities with more accidents tending to have higher premiums than rural ones. Furthermore, having your vehicle stolen frequently or vandalized could increase its costs further still.

Coverage Levels: Full coverage car insurance is typically the most costly policy available, covering liability, collision and comprehensive costs in an accident that you are found responsible for. Liability-only policies typically offer cheaper alternatives that only cover other party’s expenses when an incident is your responsibility; for a more cost-effective plan it may be worthwhile adding uninsured/underinsured motorist coverage as this helps cover damages caused by drivers without enough or any insurance at all.

Car insurance is essential for everyone, no matter their driving record or credit score. There are ways that drivers of all backgrounds can find cheap auto coverage in Delaware whether that means liability-only, comprehensive, or full coverage policies.