- 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
Cheapest car insurance in Delaware for a bad driving record
If you have a poor driving record in Delaware, Nationwide, Travelers, Progressive are the cheapest options. Nationwide has the lowest annual rate at $2,414.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay 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?
A bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,220 in Delaware, you can find rates as low as $2,414 from Nationwide.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Keep reading as we break down high-risk car insurance factors and rates.
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 |
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.
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
The cheapest insurer for drivers with multiple tickets is Nationwide, with rates averaging $2,211 or $184.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your 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.
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.
The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.
| 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
The cheapest Delaware insurer for bad credit is Nationwide, with rates averaging $2,025 or $169. Fortunately, drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to 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., and statistically, drivers with a low credit score fit that description.
Check out the table below to see how your credit score affects Delaware car insurance.
| 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 rates after an accident at $1,657. Nationwide also has affordable rates at $2,263.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving 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. However, the most expensive city is Delaware City, with average insurance rates of $3,697.
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:
- 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.
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