- Cheapest car insurance in Delaware for a bad driving record
- How much is high-risk car insurance in Delaware?
- Cheapest car insurance in Delaware with a DUI
- Cheapest car insurance in Delaware with multiple tickets
- Cheapest car insurance in Delaware with a reckless driving conviction
- Cheapest car insurance in Delaware with bad credit
- Cheapest car insurance after an accident in Delaware
- Cheapest car insurance in Delaware by city
- How to reduce car insurance rates in Delaware for a bad driving record
- Methodology
- Compare Delaware high-risk driver car insurance rates with other states
Cheapest car insurance in Delaware for a bad driving record
Drivers with a poor record in Delaware will find the lowest rates from Nationwide, Travelers and Progressive. Among these, Nationwide provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,414 annually.
If you have accidents, DUIs or traffic tickets on your driving record, youâ??ll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Nationwide | $1,498 | $2,414 |
| Travelers | $1,595 | $2,525 |
| Progressive | $1,999 | $2,856 |
| State Farm | $2,153 | $2,901 |
| GEICO | $1,695 | $3,225 |
| American Family | $2,709 | $4,244 |
| Allstate | $3,631 | $4,604 |
| Sentry Insurance | $4,066 | $6,074 |
| USAA | $1,463 | $2,249 |
How much is high-risk car insurance in Delaware?
In Delaware, the average cost of high-risk car insurance is $3,220 per year. However, you may secure coverage from Nationwide for as low as $2,414 annually. Even with a problematic driving record or poor credit score, affordable policies are available.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| Travelers | $1,595 | $1,657 |
| Nationwide | $1,498 | $2,263 |
| State Farm | $2,153 | $2,548 |
| Progressive | $1,999 | $2,921 |
| American Family | $2,709 | $3,630 |
| GEICO | $1,695 | $3,857 |
| Allstate | $3,631 | $6,040 |
| Sentry Insurance | $4,066 | $6,847 |
PEOPLE ASK:
Who is considered high-risk for insurance in Delaware?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Delaware with a DUI
While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $2,351 annually.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after a DUI in Delaware.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $2,153 | $2,351 |
| Travelers | $1,595 | $2,680 |
| Progressive | $1,999 | $2,700 |
| Nationwide | $1,498 | $2,915 |
| GEICO | $1,695 | $3,936 |
| Allstate | $3,631 | $4,845 |
| Sentry Insurance | $4,066 | $5,318 |
| American Family | $2,709 | $7,222 |
| USAA | $1,463 | $2,665 |
Cheapest car insurance in Delaware with multiple tickets
Nationwide is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $2,211 a year or $184 a month.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.
This table shows Delaware drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| Nationwide | $1,498 | $2,211 |
| Travelers | $1,595 | $2,339 |
| State Farm | $2,153 | $2,351 |
| Progressive | $1,999 | $2,649 |
| GEICO | $1,695 | $2,805 |
| American Family | $2,709 | $2,952 |
| Allstate | $3,631 | $4,043 |
| Sentry Insurance | $4,066 | $6,335 |
| USAA | $1,463 | $1,888 |
Cheapest car insurance in Delaware with a reckless driving conviction
State Farm offers the cheapest rates for drivers with reckless driving convictions at $2,351 per year.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $2,153 | $2,351 |
| Travelers | $1,595 | $2,680 |
| Nationwide | $1,498 | $2,915 |
| Progressive | $1,999 | $3,136 |
| American Family | $2,709 | $4,330 |
| GEICO | $1,695 | $4,449 |
| Allstate | $3,631 | $4,845 |
| Sentry Insurance | $4,066 | $6,847 |
| USAA | $1,463 | $2,385 |
Cheapest car insurance in Delaware with bad credit
In Delaware, Nationwide provides the lowest premiums for drivers with poor credit, averaging $2,025 per year or $169 per month. Even with a low credit score, you can still find affordable auto insurance.
While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.
Check the table below to see how credit scores impact car insurance costs in Delaware.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Nationwide | $1,498 | $2,025 |
| GEICO | $1,695 | $2,557 |
| Travelers | $1,595 | $2,775 |
| Progressive | $1,999 | $3,353 |
| American Family | $2,709 | $5,059 |
| Sentry Insurance | $4,066 | $5,278 |
| State Farm | $2,153 | $5,657 |
| Allstate | $3,631 | $5,803 |
| USAA | $1,463 | $2,778 |
Cheapest car insurance after an accident in Delaware
Travelers has the lowest average rates after an accident at $1,657 a year. Nationwide also offers affordable rates, averaging $2,263 per year.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Travelers | $1,595 | $1,657 | $2,203 |
| Nationwide | $1,498 | $2,263 | $3,084 |
| State Farm | $2,153 | $2,548 | $2,548 |
| Progressive | $1,999 | $2,921 | $5,061 |
| American Family | $2,709 | $3,630 | $6,872 |
| GEICO | $1,695 | $3,857 | $6,581 |
| Allstate | $3,631 | $6,040 | $8,414 |
| Sentry Insurance | $4,066 | $6,847 | $8,308 |
Cheapest car insurance in Delaware by city
Middletown has the cheapest car insurance rates in Delaware, averaging $3,019 a year. However, the most expensive city is Delaware City, with average insurance rates of $3,697 annually.
Where you live in Delaware also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Middletown | $1,947 | $3,019 |
| Georgetown | $2,004 | $3,123 |
| Milford | $2,017 | $3,147 |
| Frederica | $2,041 | $3,182 |
| Fenwick Island | $2,062 | $3,224 |
| Dover | $2,070 | $3,227 |
| Newark | $2,178 | $3,402 |
| Bear | $2,241 | $3,506 |
| Delaware City | $2,361 | $3,697 |
How to reduce car insurance rates in Delaware for a bad driving record
Finding affordable car insurance in Delaware is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Delaware also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Delaware?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
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