- Delaware government car insurance for low-income drivers
- Delaware minimum car insurance requirements
- Best low-income car insurance in Delaware
- Cheapest low-income car insurance in Delaware
- Car insurance discounts for low-income drivers in Delaware
- Methodology
- Low-income car insurance in Delaware: Frequently asked questions
- Compare low-income car insurance rates in Delaware with other states
Delaware government car insurance for low-income drivers
There is no government-run car insurance program for low-income drivers in Delaware. Only a handful of states (California, Hawaii and New Jersey) have such a program.
In Delaware, low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.
Delaware minimum car insurance requirements
The minimum car insurance requirements in Delaware are as follows:
| Minimum liability coverage limits | 25/50/10 |
| Average annual premium | $788 |
| Other types of insurance required (if any) | - |
Remember that if you have a loan on your car, you're required to carry full coverage, which includes collision and comprehensive.
Best low-income car insurance in Delaware
Travelers came out on top as the best pick for low-income car insurance.
People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Delaware and compared them on rates for state-minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.
These are the best low-income car insurance companies in Delaware.
| Company | Average annual premium | J.D. Power | AM Best | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | $512 | 822 | A++ | 0.49 | 3.43 |
| Geico | $530 | 818 | A++ | 0.91 | 3.18 |
| State Farm | $794 | 843 | A++ | 0.7 | 3.08 |
| Nationwide | $732 | 820 | A+ | 0.64 | 2.89 |
| Progressive | $974 | 814 | A+ | 0.65 | 2.63 |
| Allstate | $1,305 | 825 | A+ | 0.65 | 2.28 |
| American Family | $999 | 820 | A | 1.1 | 2.11 |
Cheapest low-income car insurance in Delaware
Based on state-minimum coverage, we found that the cheapest car insurance company in Delaware is Travelers at an average rate of $512 a year.
When you're working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in Delaware to find the cheapest options on average.
| Company name | Average annual premium | Average monthly premium |
|---|---|---|
| Travelers | $512 | $43 |
| Geico | $530 | $44 |
| Nationwide | $732 | $61 |
| State Farm | $794 | $66 |
| Progressive | $974 | $81 |
| American Family | $999 | $83 |
| Donegal Insurance | $1,164 | $97 |
| Allstate | $1,305 | $109 |
| USAA | $482 | $40 |
PEOPLE ASK:
What can I do if I can't afford car insurance in Delaware?
If you can't find affordable car insurance in Delaware, try working with a local agent who knows the market and some of the smaller insurance companies available. Consider a usage-based program to reduce costs, reduce coverage, drive less and ask about additional discounts.
Car insurance discounts for low-income drivers in Delaware
Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Delaware can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.
| Discount type | % Discount |
|---|---|
| Years Licensed | 24% |
| Years Insured | 22% |
| Telematics | 20% |
| Profession | 14% |
| Primary Use | 11% |
| Electronic Signature | 10% |
| Multi Policy | 9% |
| Loyalty - Years Renewal With Company | 9% |
| Education | 9% |
| Marital Status | 8% |
| Days Advanced Purchase | 7% |
| Homeowner | 7% |
| Payment Type | 6% |
| Daily Commute | 6% |
| Lower Annual Mileage | 6% |
| Days Per Week Driven | 5% |
| Electronic Funds Transfer | 4% |
| Paperless/Electornic Documents | 4% |
| Air Bags | 4% |
| Safety Devices | 3% |
| Anti-Theft Device | 1% |
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.
Low-income car insurance in Delaware: Frequently asked questions
What is the cheapest car insurance company for low-income people?
In Delaware, Travelers is the cheapest car insurance company with the average rate of $512. However, that's based on average rates and may differ for you, so it's important to shop around.
Does Delaware have car insurance for low-income individuals?
No, Delaware doesn't offer a car insurance program for low-income individuals or families.
What happens if I can't pay my car insurance?
If you don't pay your car insurance bill, your car insurance will be canceled and you won't have coverage. If you can't pay your car insurance bill, contact your insurance company before the bill is past due to see if you can make arrangements for payment.
Compare low-income car insurance rates in Delaware with other states
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