- Does a DUI raise car insurance rates in Delaware?
- How much does a DUI raise your insurance in Delaware?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Delaware?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Delaware?
- Delaware DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Delaware DUI insurance: Frequently asked questions
- Compare Delaware DUI car insurance rates with other states
Does a DUI raise car insurance rates in Delaware?
Delaware car insurance averages $2,063 with a clean driving record. However, average car insurance rates after a DUI increase to $3,593, which is $1,530 more.
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 $5,156.
How much does a DUI raise your insurance in Delaware?
The cheapest insurer after a DUI is State Farm, with rates averaging $2,351. The next cheapest insurer is Travelers a difference of $329 from State Farm. Progressive 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 | $2,153 | $2,351 | $2,351 |
| Travelers | $1,595 | $2,680 | $4,092 |
| Progressive | $1,999 | $2,700 | $4,291 |
| Nationwide | $1,498 | $2,915 | $4,087 |
| Geico | $1,695 | $3,936 | $5,628 |
| Allstate | $3,631 | $4,845 | $6,666 |
| Sentry Insurance | $4,066 | $5,318 | $7,004 |
| American Family | $2,709 | $7,222 | $7,572 |
| USAA | $1,463 | $2,665 | $2,956 |
PEOPLE ASK:
What happens when you get a DUI in Delaware?
If you’re convicted of a DUI in Delaware, 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 75 years.
If someone gets a DUI in your car, does it go on your insurance?
Typically, the insurance follows the car, not the driver, so your car insurance won’t increase since the DUI won’t be on your driving record.
However, your rates may increase if your vehicle is involved in an accident due to a DUI. 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?
While a DUI may remain on your driving record forever, it doesn’t affect rates forever. A DUI affects Delaware car insurance for 75 years. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
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?
Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DUI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DUI is $6,226.
These are the cheapest companies after a DUI by age:
- For teens: Nationwide is the cheapest at $6,226.
- For young adults: State Farm offers the cheapest young adult coverage at $2,811.
- For adults: State Farm, with an average rate of $2,351.
- For seniors: State Farm has the most affordable average rate at $2,160.
This table shows how a DUI affects car insurance rates based on age group.
| Age | Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|---|
| Teen(18 yr) | Nationwide | $5,065 | $6,226 | $1,161 | 23% |
| Teen(18 yr) | State Farm | $6,015 | $6,626 | $611 | 10% |
| Teen(18 yr) | Geico | $4,465 | $9,937 | $5,472 | 123% |
| Teen(18 yr) | Progressive | $9,775 | $11,584 | $1,809 | 19% |
| Teen(18 yr) | American Family | $7,887 | $15,245 | $7,358 | 93% |
| Teen(18 yr) | Travelers | $9,842 | $15,286 | $5,444 | 55% |
| Teen(18 yr) | Sentry Insurance | $11,822 | $15,936 | $4,114 | 35% |
| Teen(18 yr) | Allstate | $11,130 | $15,954 | $4,824 | 43% |
| Teen(18 yr) | USAA | $4,351 | $6,647 | $2,296 | 53% |
| Young Adults(25 yr) | State Farm | $2,570 | $2,811 | $241 | 9% |
| Young Adults(25 yr) | Travelers | $1,708 | $2,831 | $1,123 | 66% |
| Young Adults(25 yr) | Progressive | $2,299 | $3,045 | $746 | 32% |
| Young Adults(25 yr) | Nationwide | $1,747 | $3,159 | $1,412 | 81% |
| Young Adults(25 yr) | Geico | $1,886 | $4,067 | $2,181 | 116% |
| Young Adults(25 yr) | Allstate | $4,187 | $5,624 | $1,437 | 34% |
| Young Adults(25 yr) | American Family | $3,314 | $8,642 | $5,328 | 161% |
| Young Adults(25 yr) | USAA | $2,111 | $3,903 | $1,792 | 85% |
| Adults(40 yr) | State Farm | $2,153 | $2,351 | $198 | 9% |
| Adults(40 yr) | Travelers | $1,595 | $2,680 | $1,085 | 68% |
| Adults(40 yr) | Progressive | $1,999 | $2,700 | $701 | 35% |
| Adults(40 yr) | Nationwide | $1,498 | $2,915 | $1,417 | 95% |
| Adults(40 yr) | Geico | $1,695 | $3,936 | $2,241 | 132% |
| Adults(40 yr) | Allstate | $3,631 | $4,845 | $1,214 | 33% |
| Adults(40 yr) | Sentry Insurance | $4,066 | $5,318 | $1,252 | 31% |
| Adults(40 yr) | American Family | $2,709 | $7,222 | $4,513 | 167% |
| Adults(40 yr) | USAA | $1,463 | $2,665 | $1,202 | 82% |
| Seniors(65 yr) | State Farm | $1,976 | $2,160 | $184 | 9% |
| Seniors(65 yr) | Travelers | $1,377 | $2,648 | $1,271 | 92% |
| Seniors(65 yr) | Progressive | $1,920 | $2,759 | $839 | 44% |
| Seniors(65 yr) | Nationwide | $1,391 | $2,814 | $1,423 | 102% |
| Seniors(65 yr) | Geico | $1,560 | $3,784 | $2,224 | 143% |
| Seniors(65 yr) | Allstate | $3,471 | $4,677 | $1,206 | 35% |
| Seniors(65 yr) | Sentry Insurance | $3,667 | $4,783 | $1,116 | 30% |
| Seniors(65 yr) | American Family | $2,643 | $7,210 | $4,567 | 173% |
| Seniors(65 yr) | USAA | $1,392 | $2,529 | $1,137 | 82% |
How much does a DUI raise your insurance in your city?
The cheapest city in Delaware for car insurance with a DUI is Middletown, while the most expensive city is Delaware City at an average of $4,118. Where you live affects car insurance rates, regardless of a DUI. Drivers in areas with higher traffic rates and more vehicle thefts pay higher insurance rates since their cars are more likely to be damaged. Those higher rates are then raised significantly with a DUI.
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 |
|---|---|---|---|---|
| Bear | $2,241 | $3,903 | $1,662 | 74% |
| Delaware City | $2,361 | $4,118 | $1,757 | 74% |
| Dover | $2,070 | $3,600 | $1,530 | 74% |
| Fenwick Island | $2,062 | $3,648 | $1,586 | 77% |
| Frederica | $2,041 | $3,552 | $1,511 | 74% |
| Georgetown | $2,004 | $3,486 | $1,482 | 74% |
| Middletown | $1,947 | $3,350 | $1,403 | 72% |
| Milford | $2,017 | $3,515 | $1,498 | 74% |
| Newark | $2,178 | $3,794 | $1,616 | 74% |
How to get car insurance after a DUI in Delaware?
Insurers will label you as a high-risk driver after a DUI, but that doesn’t mean you can’t get car insurance. Finding the best fit after a DUI conviction may require a little work.
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.
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 the actual time varies. In some states like California, a DUI can affect rates for 10 years.
Delaware drivers can expect to pay higher car insurance rates after a DUI for 75 years.
Tips to save money after a DUI
A DUI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after a DUI
Ways Delaware drivers can save on car insurance after a DUI include:
- 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 from Quadrant Information Services based on a 40-year-old driver with good credit and one DUI. Sample rates are based on a 2023 Honda Accord LX with full coverage at limits of 100/300/100 for liability and $500 deductibles. We also commissioned rates for various age groups including teens (16-19), young adults (20-25) and seniors (65+).
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.
Compare Delaware DUI car insurance rates with other states
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