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Average cost of car insurance in Delaware in 2023
Delaware residents pay an average of $801 for minimum coverage car insurance per year and $2,103 for full coverage.
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What To Know First
Analyzing data from Quadrant Information Services, Bankrate's insurance editorial team found that the average cost of car insurance in Delaware is $801 per year for the state's minimum coverage. Full coverage, which includes collision and comprehensive insurance, costs an average of $2,103 per year. Our insurance editorial team, which includes three licensed insurance agents, also broke down the state’s rates by city, age, gender and more to help you make the best decision for your own policy.
- Our research showed that Dover had some of the cheapest insurance in the state, with an average rate of $1,840 per year for full coverage, 13 percent below the state average.
- Car insurance for young male drivers is on the high end, with 18-year-olds paying an annual average of $8,301 for full coverage.
- Having a DUI conviction will cost you: average rates for those with this infraction on their license were 85 percent higher than the state average.
- If you have excellent credit, you can expect to pay an average of 16 percent less than the state average for your car insurance.
On This Page
- How much is car insurance in Delaware?
- Delaware car insurance rates by city
- Average car insurance costs by age and gender in Delaware
- How does driving record impact the cost of car insurance in Delaware
- Car insurance rates in Delaware by credit score
- Delaware car insurance rates by vehicle type
- How to save on car insurance in Delaware
- Estimate your car insurance cost
- Frequently asked questions
How much is car insurance in Delaware?
The average car insurance cost in Delaware for minimum coverage, $801 annually, is nearly $200 more than the national average of $622. For full coverage, however, Delawareans pay $2,103 per year, slightly less than the national average of $2,014. Your own rate is likely to vary from this, as it is based on factors unique to you, such as your age, gender and driving history, as well as your car's age, make and model.
Average minimum coverage premium in Delaware | Average annual full coverage premium in Delaware |
---|---|
$801 | $2,103 |
Delaware car insurance rates by city
One factor that plays a primary role in determining Delaware car insurance rates is where you live. Cities with a high crime rate, for example, or areas where accidents are more likely to happen, may see higher rates than rural areas with less traffic or crime. The following chart shows the average rates in five of Delaware's most populated cities. As you can see, average rates differ to account for these factors.
Delaware city | Average annual full coverage premium | Percentage difference from Delaware average annual full coverage premium |
---|---|---|
Bear | $2,186 | +4% |
Dover | $1,840 | -13% |
Middletown | $1,958 | -7% |
Newark | $2,169 | +3% |
Wilmington | $2,194 | +4% |
Average car insurance costs by age and gender in Delaware
In most states in the U.S., your age and your gender play a role in determining your premium rate. As you might imagine, premiums are generally higher for young drivers who do not have a lot of experience behind the wheel. As they age, their rates typically decrease as long as they maintain a clean driving record, until about age 70, when the likelihood that they will be in an accident begins to increase again. Gender, too, impacts your rate, since male drivers are statistically more likely to be involved in accidents—leading to slightly higher rates for men than for women.
Age | Average monthly full coverage premium in Delaware | Average annual full coverage premium in Delaware |
---|---|---|
Age 16* | $368 | $4,421 |
Age 18 | $692 | $8,301 |
Age 20 | $480 | $5,764 |
Age 25 | $220 | $2,642 |
Age 30 | $181 | $2,169 |
Age 40 | $175 | $2,094 |
Age 50 | $162 | $1,943 |
Age 60 | $157 | $1,880 |
Age 70 | $173 | $2,078 |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied.
Age | Average monthly full coverage premium in Delaware | Average annual full coverage premium in Delaware |
---|---|---|
Age 16* | $338 | $4,058 |
Age 18 | $548 | $6,578 |
Age 20 | $386 | $4,634 |
Age 25 | $202 | $2,419 |
Age 30 | $181 | $2,173 |
Age 40 | $176 | $2,112 |
Age 50 | $162 | $1,949 |
Age 60 | $156 | $1,872 |
Age 70 | $169 | $2,032 |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied.
Cost considerations for young drivers in Delaware
Drivers under the age of 20 often pay the highest car insurance premiums of any age group, and the same holds true in Delaware. However, younger drivers may be able to save some money on their premium by staying on their parents’ policy as long as they live in the same household. Drivers under the age of 18 cannot get their own insurance policy.
Age | Average annual premium for drivers on their parents' policy in Delaware | Average annual premium for drivers on their own policy in Delaware |
---|---|---|
Age 16 | $4,239 | N/A* |
Age 17 | $3,972 | N/A* |
Age 18 | $3,742 | $7,439 |
Age 19 | $3,440 | $5,700 |
Age 20 | $3,198 | $5,199 |
*16- and 17-year-old drivers must be on their parents’ policy.
How does driving record impact the cost of car insurance in Delaware
How much is car insurance in Delaware if you are a good driver? Your rate is likely to be lower if you have a clean driving record. Insurers assume less risk insuring drivers who do not have infractions on their license and are less likely to make claims on their policy. A single speeding ticket, for example, can increase your rate by an average of 16 percent in Delaware. A serious incident, such as a DUI conviction, usually means a significant increase, averaging 85 percent more. Multiple infractions will cause even higher rates to come into play.
Here are the average premiums you will pay if you have dings on your license in Delaware.
Driving incident | Average annual full coverage premium in Delaware | Percentage increase in average annual premium |
---|---|---|
Clean driving record | $2,103 | 0% |
Speeding ticket | $2,441 | +16% |
Accident | $2,717 | +29% |
DUI | $3,886 | +85% |
Car insurance rates in Delaware by credit score
Another factor to be aware of when determining the average car insurance cost in Delaware is your credit-based insurance score, which closely correlates to your actual credit rating. Why should this matter to insurance companies? Insurance providers have learned that people with lower credit ratings tend to file more claims, thus making them higher-risk to insure. Thus, insurance companies typically reward those with a higher credit rating by offering them the best rates possible.
Credit tier | Average annual full coverage premium in Delaware | % difference in average annual premium |
---|---|---|
Poor | $3,085 | +47% |
Average | $2,293 | +9% |
Good | $2,103 | 0% |
Excellent | $1,773 | -16% |
Delaware car insurance rates by vehicle type
You've seen that there are multiple factors related to you that matter when determining rates: your age, gender, credit rating and more. But your car matters, too. The age of your car as well as its make and model will impact the amount you pay for insurance. Cars that are more expensive may lead to higher rates because they are also more expensive to fix, while more reasonably-priced vehicles made in the U.S. may earn cheaper rates because they do not require expensive parts. This is not always the case, however, as some less expensive cars may also have high rates of theft, which could lead to higher full coverage insurance rates.
Vehicle | Average annual full coverage premium in Delaware |
---|---|
Toyota Camry | $2,103 |
Ford F-150 | $1,748 |
Honda Odyssey | $1,749 |
BMW 330i | $2,546 |
Toyota Prius | $2,210 |
How to save on car insurance in Delaware
It’s possible to lower car insurance rates in Delaware with the right strategies. Doing a little homework before you get your policy can reap benefits when it comes to the price you pay for Delaware auto insurance. Here’s are some tips that might help:
- Shop around: If you’re looking to save money, you will likely be able to lower what you pay by simply shopping around and getting quotes from multiple providers for the same coverage types and amounts. Different companies weigh the factors that go into calculating premiums differently, so it’s usually worth it to shop around a bit before committing.
- Compare discounts: Most insurance companies offer customers multiple ways to save on their premium. However, even though two companies may have the same discounts, one company will likely give you more savings than the other. To figure out just how much you’ll save, speak with an agent to get the bottom line.
- Increase your deductible: A high deductible equates to a lower monthly premium. Just make sure you choose a deductible option that you’re comfortable paying in the event you have to file a claim.
- Drive an older car: Older cars typically cost less to insure because they don’t cost as much to repair or replace. You may want to do a little research into the insurance costs for different types and ages of vehicles before you buy or lease your next vehicle to see which car gives you the most bang for your buck.
- Increase your credit score: It’s legal for car insurance companies in Delaware to charge a higher premium to drivers who have a low credit-based insurance score. If you take a little time to work on your credit rating, you may be able to secure lower rates.
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