Best Cheap Auto Insurance Quotes in Delaware (2022) – ValuePenguin
average rates in delaware hover around $900 for a minimum coverage policy. The best way to get the cheapest quotes in Delaware is to get rates from multiple companies.
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cheapest car insurance quotes in delaware: state farm
state farm has the most affordable quotes for minimum coverage auto insurance in delaware. At $738 per year, the state farm rate is 33% cheaper than the state average.
Reading: Who has the cheapest car insurance in delaware
active duty service members, veterans and their families can get even cheaper rates from usaa. At $297, USAA’s average annual fee is $441 less than State Farm.
cheapest full coverage auto insurance: state farm
state farm also offers the cheapest quotes for full coverage policies, charging $1,312 a year, or $109 a month. that’s 43% cheaper than the state average. unless you are affiliated with the armed forces and qualify for us coverage. In the US, state farm is likely your best bet for affordable full coverage auto insurance.
Full coverage auto insurance in delaware costs $2,302 per year, or $192 per month, on average.
Inexpensive car insurance quotes for delaware drivers with prior incidents
Insurance companies customize their quotes based on a number of factors, including your driving history and credit score. Incidents on your driving record, such as citations for traffic violations or DUIs, can cause your rates to go up.
cheaper car insurance after a fine: state farm
Full coverage insurance for delaware drivers who have a speeding ticket on their record is 23% more expensive than full coverage insurance for drivers with a clean record. state farm has the lowest rates for drivers with speeding tickets: the company’s premiums are 47% lower than the average, which is $2,747.
cheaper car insurance after an accident: state farm
state farm offers the best rates for drivers who have an at-fault accident on their record. While the average cost of auto insurance after an at-fault accident is $3,234 a year, State Farm offers Delaware drivers full coverage insurance for just $1,570 a year, 51% less than the average insurer.
Insurers increase auto insurance premiums after an at-fault accident because drivers with a recent accident pose a greater risk than drivers with clean records. in delaware, average rates increase 44% after an at-fault accident.
cheaper car insurance quotes after a dui: progressive
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progressive has the cheapest comprehensive coverage quotes for delaware drivers with a dui on their record. Not only are progressive rates 25% more affordable than the state average, but the company treats a delaware driver’s DUI the same way it treats a speeding ticket, charging the same amount for both violations. /p>
driving under the influence (dui) causes average car insurance rates to increase more than any other crime. auto rates in delaware increase 93% after a dui.
cheapest insurance quotes for drivers with bad credit: geico
geico offers the best rates for delaware drivers with low credit scores. The state average is $3,446 a year, but Geico’s rate is $484 cheaper at $2,962 a year for full coverage.
Your credit score may have nothing to do with your ability to drive a car, but it certainly can affect your auto insurance quotes in most states, including delaware. ValuePenguin’s rate analysis found that auto insurance for delaware drivers with poor credit is 54% more expensive than for drivers with average credit.
cheapest car insurance quotes for young drivers: state farm
If you’re a young driver looking for affordable auto insurance with minimal coverage, we recommend starting your search with state farm. The state farm rate is $2,541 a year, 34% cheaper than the average for young drivers.
Drivers who are 18 years old have more accidents than older drivers, making them riskier and more expensive to insure. The good news is that rates gradually decrease as you get older, as long as you maintain a clean driving record, until you reach about age 60.
the cheapest insurance for young drivers with tickets: state farm
Young drivers in Delaware can expect their auto insurance rates to increase by approximately 11% after receiving a speeding ticket. state farm offers the most affordable minimum coverage rate for these drivers at just $2,823 a year and $235 a month, 26% less than average.
cheapest insurance for teen drivers after an accident: state farm
state farm has the best minimum coverage rates for young drivers in an accident. The average annual premium is $3,106, which is 34% lower than the state average.
young drivers in delaware already pay high costs for car insurance, but an accident will cause them to increase even more. The average rate increases by 24% after an 18-year-old driver is in an at-fault accident, from $3,820 to $4,730.
the best auto insurance companies in delaware
When looking for auto insurance quotes, choosing a reliable insurer is just as important as finding the lowest rate. Among delaware insurers, usaa has the best customer service score and financial strength rating. however, usaa is only available to current and former members of the military and their families.
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state farm and geico also maintain exemplary customer service scores, making both insurers great options for those not eligible for ee coverage. . uu.
auto insurance costs in delaware by city
Your location within delaware affects what you’ll pay for auto insurance. If you live in a densely populated area, you’re more likely to have an accident or carjacking, and insurers often raise their rates to account for this risk.
is auto insurance higher in delaware compared to the rest of the country?
Delaware is one of the most expensive states for auto insurance due to its high population density and the fact that personal injury protection (PIP) is required. Compared to other states in the country, Delaware has the fourth most expensive average rate for a minimum coverage policy, at $1,153 per year.
minimum insurance requirements in delaware
minimum coverage in delaware includes bodily injury liability coverage, which pays for the other driver’s injuries; property damage liability coverage, which pays for the other driver’s repairs; and personal injury protection, which covers your own injuries.
If you are a Delaware driver, your policy must meet or exceed the following limits for these three coverages:
summary of the cheapest auto insurance quotes in delaware
We compiled thousands of delaware zip code quotes for six of the state’s largest insurers. Rates are based on a 30 year old male driving a 2015 Honda Civic Ex with average credit.
The base policy for the study was a full coverage policy with the following limits:
For our minimum coverage policy, we were quoted rates for a policy with the minimum limits required in delaware.
For other rate analysis (credit score, accident history, and marital status), the basic policy mentioned above has been modified to reflect the driver. Young driver quotes were obtained using a minimum coverage policy.
valuepenguin’s analysis used insurance rate data from quadrant information services. These rates were obtained publicly from insurer filings and should be used for comparison purposes only; your own quotes may be different.