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This page features recent info regarding car insurance premiums in Delaware. Read on to find the Delaware car insurance plan that works for you.
Average Auto Insurance Rates
The Average Annual Car Insurance premium in Delaware last year was about $1,607, quite a bit over the national average of $1,347.
This is probably because Delaware has a denser population than most U.S. states, which may account for the slightly-higher-than-average annual premiums on auto insurance.
Actuaries calculate car insurance premiums based on factors like local weather, topography, economy, crime rates, and population density, to name just a few of the variables.
Other influences on annual premiums are personal demographics like the driver's age, gender, criminal record, household status, driving history and car model, for instance.
for Uninsured Drivers
Getting caught driving without car insurance in Delaware results in a fine of $1,500 for a first offense. Repeat violations incur fines of up to $3,000, and a suspended license for six months.
Minimum Coverage for Delaware Car Insurance
The minimum state-mandated auto insurance for each owned vehicle in Delaware is 15/30/10.
This means that Delaware drivers must buy $15,000 in coverage for personal injury, $30,000 in coverage against death or injury to others, and $10,000 of insurance to cover property damage.
Still, these amounts are usually not enough to cover the entire cost of an accident. Many Delaware car owners with minimum coverage end up paying large out-of-pocket expenses.
Discount Car Insurance
Auto insurance carriers in Delaware and most other states offer discounts on insurance premiums to promote smart driving habits.
The Defensive Driving Course Discount is for drivers 55 and above who successfully complete an approved accident prevention course.
The Accident-Free Discount is available to drivers who avoid accidents for three years.
The Good Student Discount is offered to full time students with good grades.
The Multiple Auto Discount is for owners of more than one vehicle.
The Multiple Policy Discount is offered for the purchase of more than one insurance policy.
The Passive Restraint Discount applies to vehicles equipped with special safety features.
When you call around looking for quotes on car insurance, be sure to ask about the discounts.
According to recent consumer reports, the top car insurance companies in Delaware are Allstate, The Hartford, State Farm and 21st Century, in that order.
Other insurance carriers popular in Delaware include Liberty Mutual and Travelers Insurance.
Call five or six local insurance agents for competitive quotes on auto insurance. Compare quotes to find the cheapest rate.
Above all, ask about those discounts.
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