Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.
The average rate for high-risk car insurance in Delaware is $1,943. High-risk drivers in Delaware can expect to pay between $2,249 and $3,567 for car insurance depending on the reason for the rate increase.
The cheapest insurance in Delaware for high-risk drivers is, on average, State Farm, however, it will vary based on your exact situation.
If you’re a high-risk driver, finding cheap car insurance in Delaware will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.
Key takeaways
- The average cost of high-risk car insurance in Delaware is $1,943, but it varies depending on what’s on your record.
- The average car insurance rate for a driver with a DUI in Delaware is $1,470, while a driver with a reckless driving conviction pays $1,470 on average.
- Bad credit can also land you in the high-risk category, with an average rate of $1,598 in Delaware.
- Cheapest car insurance for high-risk drivers in Delaware
- Average rates for high-risk drivers in Delaware by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Delaware
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Delaware is State Farm, followed by USAA and Nationwide.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,943 | $162 |
| USAA | $2,186 | $182 |
| Nationwide | $2,555 | $213 |
| Travelers | $2,589 | $216 |
| Progressive | $2,793 | $233 |
| Geico | $2,930 | $244 |
| American Family | $3,792 | $316 |
| Allstate | $4,960 | $413 |
Average rates for high-risk drivers in Delaware by driving record
Average cost of car insurance in Delaware for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Delaware for a driver with a DUI is State Farm with an average annual of $1,470 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,470 | $122 |
| Progressive | $2,066 | $172 |
| USAA | $2,236 | $186 |
| Geico | $2,525 | $210 |
| Nationwide | $2,578 | $215 |
| Travelers | $2,581 | $215 |
| American Family | $3,829 | $319 |
| Allstate | $4,258 | $355 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Delaware, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $1,470 per year or $122 monthly.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,470 | $122 |
| Travelers | $1,676 | $140 |
| USAA | $1,800 | $150 |
| Nationwide | $1,996 | $166 |
| Progressive | $2,277 | $190 |
| Geico | $2,492 | $208 |
| American Family | $2,577 | $215 |
| Allstate | $3,702 | $309 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Delaware, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,470 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,470 | $122 |
| USAA | $2,006 | $167 |
| Progressive | $2,437 | $203 |
| Nationwide | $2,578 | $215 |
| Travelers | $2,581 | $215 |
| Geico | $2,923 | $244 |
| American Family | $3,829 | $319 |
| Allstate | $4,258 | $355 |
Cheapest car insurance with bad credit
Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Delaware is Geico with an average annual cost of $1,598 or $133 per month.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Geico | $1,598 | $133 |
| Nationwide | $1,949 | $162 |
| USAA | $2,317 | $193 |
| Progressive | $2,559 | $213 |
| Travelers | $2,658 | $222 |
| State Farm | $4,184 | $349 |
| Allstate | $4,786 | $399 |
| American Family | $4,858 | $405 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
