Does a DUI raise car insurance rates in Delaware?
Yes. If you get a DUI in Delaware, your car insurance rates will go up because insurers see you as a higher risk. If you have a clean record, the average rate is $3,157. After one DUI, the average rate jumps to $5,151, an increase of $1,994.
Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple DUIs, average rates dramatically increase to $7,220.
How much does a DUI raise your insurance in Delaware?
The cheapest insurer after a DUI is State Farm, with rates averaging $3,397. The next cheapest insurer is Progressive, a difference of $7 from State Farm. GEICO has the third-most affordable car insurance rates with a DUI.
Not only is driving under the influence dangerous, but it's also expensive. You'll face hefty fines and increased car insurance rates for years. However, every company weighs a DUI differently and offers different rates, so comparing quotes from multiple insurers is essential.
This table shows average car insurance rates after a DUI in Delaware.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| State Farm | $3,110 | $3,397 | $3,397 |
| Progressive | $2,620 | $3,404 | $4,465 |
| GEICO | $1,864 | $4,281 | $6,113 |
| Travelers | $1,786 | $4,926 | $11,838 |
| Nationwide | $2,165 | $5,194 | $7,441 |
| Allstate | $4,825 | $6,428 | $8,831 |
| Donegal Insurance | $4,087 | $7,489 | $8,946 |
| Dairyland | $6,579 | $8,585 | $11,299 |
| USAA | $1,863 | $3,473 | $3,864 |
People ask
What happens when you get a DUI in Delaware?
If you're convicted of a DUI in Delaware, the consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, and car insurance rates will increase for Lifetime.
If someone gets a DUI in your car, does it go on your insurance?
If someone else gets a DUI while driving your car, it goes on their record, not yours. However, your insurance could still be affected if they cause an accident and you file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. or if they regularly drive your vehicle but weren't listed on the policy.
Your insurance covers your car when someone else drives it with your permission, but violations like DUIs stay with the driver who committed them.
Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.
How long does a DUI affect your insurance in Delaware?
A DUI affects your insurance rates in Delaware for about Lifetime., but it may stay on your driving record longer. Your premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. will slowly go down if you avoid more violations and maintain continuous coverage.
Insurance companies look at your recent driving history when setting your rates. Each company has its own rules for how long it considers a DUI.
As time passes, your rates will improve, depending on your insurer and your overall record.
It is a good idea to compare quotes at renewal because another company may stop charging extra for your DUI sooner.
People ask
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates..
How much does a DUI raise insurance by age group?
A DUI raises insurance rates for drivers of all ages, but younger drivers pay the most. Teens and young adults already have higher rates because they have less experience. After a DUI, the average rate for a teen is $9,647, but it varies by company.
These are the cheapest companies after a DUI by age:
- For teens: State Farm is the cheapest at $9,647.
- For young adults: Progressive offers the cheapest young adult coverage at $3,884.
- For adults: State Farm, with an average rate of $3,397.
- For seniors: Progressive has the most affordable average rate at $2,923.
This table shows how a DUI affects car insurance rates based on age group.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $8,749 | $9,647 | $898 | 10% |
| Nationwide | $7,245 | $9,955 | $2,710 | 37% |
| GEICO | $4,715 | $10,490 | $5,775 | 122% |
| Progressive | $13,002 | $13,783 | $781 | 6% |
| Donegal Insurance | $11,982 | $16,853 | $4,871 | 41% |
| Dairyland | $12,659 | $17,055 | $4,396 | 35% |
| Allstate | $17,475 | $25,040 | $7,565 | 43% |
| Travelers | $13,244 | $32,726 | $19,482 | 147% |
| USAA | $5,799 | $8,938 | $3,139 | 54% |
How much does a DUI raise your insurance in your city?
A DUI will affect your insurance differently depending on your city in Delaware. Millsboro has the lowest average rate, while Wilmington has the highest at $6,179, largely due to local risk factors. Insurers consider traffic levels, accident frequency, theft rates, weather risks and repair costs when setting premiums.
This table shows average DUI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % increase |
|---|---|---|---|---|
| Millsboro | $2,844 | $4,636 | $1,792 | 63% |
| Milford | $2,929 | $4,766 | $1,837 | 63% |
| Georgetown | $2,958 | $4,803 | $1,845 | 62% |
| Seaford | $2,988 | $4,833 | $1,845 | 62% |
| Dover | $3,067 | $4,946 | $1,879 | 61% |
| Newark | $3,088 | $4,987 | $1,899 | 62% |
| Smyrna | $3,170 | $5,079 | $1,909 | 60% |
| Middletown | $3,249 | $5,219 | $1,970 | 61% |
| Wilmington | $3,750 | $6,179 | $2,429 | 65% |
How to get car insurance after a DUI in Delaware
Insurers will label you as a high-risk driver, but you can still get car insurance after a DUI in Delaware. You can stay with your current insurer or look for companies that cover high-risk drivers. Start by checking if you need to file any state forms, then compare quotes from several insurers.
If you have car insurance and get a DUI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after a DUI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Delaware, since each insurer offers different rates after a DUI.
Delaware DUI insurance requirements and penalties
A DUI in Delaware means you must meet specific requirements for high-risk drivers. In Delaware, you will need an SR-22. A DUI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates Delaware DUI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | 0.15 |
| Administrative license suspension after a first offense | 3 months |
| Limited driving privileges during suspension | No |
| Ignition interlocks | Highly incentivized for all convictions |
| Open container laws | No |
| Repeat offender laws | Yes |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI affects car insurance rates for at least three years, but it may be longer depending on the carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Rates may decline at each renewal after the DUI, as long as you have no additional violations.
Keeping continuous coverage and avoiding further violations will help your rates improve over time.
Even after your insurer stops factoring in the DUI, it may still appear on your driving record.
Review your policy and compare quotes at each renewal to find better rates over time.
Tips to save money after a DUI
You can save money after a DUI by comparing quotes, avoiding additional violations and taking advantage of discounts. While these steps will not remove the DUI, they can help reduce your overall costs.
While your rates will remain higher for a period, these steps can significantly reduce how much you pay.
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
Insurance.com commissioned car insurance rates in all 50 states and Washington, D.C., through our data partner, Quadrant Information Services. 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.
Base rate averages are based on our full coverage data setand the following parameters:
- 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
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Rates after a DUI
Delaware DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
DUIs can stay on your driving record for up to 10 years, depending on your state. Typically, a DUI stops affecting car insurance rates in three to five years.
Will my insurance drop me after a DUI in Delaware?
Most insurers won't drop you after one DUI, but rates will increase significantly. However, multiple DUIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.
Do you need an SR-22 after a DUI in Delaware?
Delaware does not require SR-22 filings. However, a DUI conviction can still lead to license suspension, higher insurance rates, and other state-mandated requirements before you can legally drive again. Check with the Delaware motor vehicle agency and your insurer to confirm what proof of coverage or reinstatement documents you need.
Can you get full coverage car insurance after a DUI?
Yes, you can get full coverage car insurance after a DUI, but it will generally cost more and fewer insurers may be willing to offer it. Full coverage includes liability, collision and comprehensive insurance. Comparing quotes from several companies can help you find the best coverage at a more affordable rate.
Compare Delaware DUI car insurance rates with other states
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