Best Car Insurance in Delaware for 2025 [Check Out the Top 10 Companies]

Geico, State Farm, and Progressive provide the best car insurance in Delaware. Geico has the lowest premiums, beginning at $53 a month.

These providers offer low rates, extensive coverage options, and high customer satisfaction. When looking for the lowest rates, Geico is the best option due to its competitive pricing and good service. To get the best value for your money, compare Delaware auto insurance quotes and consider the different types of car insurance coverage available.

Our Top 10 Company Picks: Best Car Insurance in Delaware

Use our free comparison tool to enter your ZIP code and find the best car insurance in Delaware.

#1 – Geico: Top Overall Pick

Pros

• Affordable Coverage: Geico offers competitive rates for Delaware residents, making it the go-to option for budget-conscious drivers.
• Convenient App: Geico’s user-friendly mobile app allows easy access to your insurance and quick claims management across the state.
• Strong Financial Stability: With an A++ rating from A.M. Best, Geico provides reliable insurance coverage for Delaware drivers.

Cons

• Limited Local Agents: Geico’s online-only support lacks a personal touch for those in Delaware’s rural areas. Gain more insights in our Geico car insurance review.
• Basic Coverage Options: Geico’s standard insurance may not meet the needs of drivers seeking more comprehensive coverage in Delaware.

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#2 – State Farm: Best for Local Agents

Pros

• Personalized Insurance: State Farm’s vast network of agents in Delaware ensures tailored insurance solutions for drivers across many cities.
• Proven Claims Service: State Farm’s reliable and fast claims service helps Delaware residents resolve issues quickly. Explore further in our State Farm car insurance review.
• Discount Opportunities: Bundling policies and safe driving rewards can lower insurance premiums for Delaware customers.

Cons

• Higher Premiums For Younger Drivers: Young drivers in Delaware cities often face higher insurance rates due to inexperience.
• Website Tools Are Basic: State Farm’s website and mobile tools are less sophisticated than other options, limiting online functionality.

#3 – Progressive: Best for Flexible Options

Pros

• Variety Of Coverage Options: Progressive provides a wide range of insurance policies to meet diverse needs across Delaware’s cities.
• Snapshot Program: Progressive’s Snapshot Program rewards safe driving and lowers insurance premiums for Delaware drivers.
• Easy Online Quotes: Progressive’s user-friendly online tool simplifies getting accurate insurance quotes for Delaware drivers. Read more in our Progressive car insurance review.

Cons

• Higher Rates For High-Risk Drivers: Drivers with a history of violations may face costly insurance premiums in Delaware city states.
• Complex Discount Structure: Progressive’s multiple discounts may confuse Delaware customers, leading to missed savings opportunities.

#4 – Nationwide: Best for Custom Coverage

Pros

• Customizable Insurance: Nationwide offers flexible coverage options that suit Delaware residents’ unique driving needs.
• Multi-Policy Savings: Bundling home and auto insurance can save Delaware drivers significant amounts on insurance premiums.
• Strong Financial Ratings: Nationwide’s A+ financial rating ensures reliable and stable coverage for Delaware policyholders.

Cons

• Expensive For New Drivers:New drivers in Delaware cities may face higher premiums with Nationwide insurance. Learn more in this Nationwide car insurance review.
• Limited Local Agents: Delaware drivers in rural areas may have difficulty accessing in-person service from Nationwide’s agents.

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#5 – Allstate: Best for High Value

Pros

• Comprehensive Insurance: Allstate’s robust coverage options provide high-value protection for Delaware drivers, even in high-risk cities.
• 24/7 Customer Service: Delaware residents can access Allstate’s round-the-clock support for quick assistance with their insurance needs.
• Discount Opportunities: Multiple insurance discounts, including bundling and safe driving, make Allstate a great option for Delaware drivers.

Cons

• Higher Premiums For Younger Drivers: Young drivers in Delaware face higher insurance rates due to inexperience and risk factors. Read more about it in this Allstate car insurance review.
• Limited Budget-Friendly Options: Allstate’s pricing may not be the most affordable for Delaware residents seeking basic insurance coverage.

#6 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Travelers’ accident forgiveness program helps Delaware drivers avoid rate hikes after an at-fault accident. Uncover more details by reading our Travelers car insurance review.
• Quick Claims Processing: Delaware drivers benefit from Travelers’ fast and efficient insurance claims resolution process.
• Discounted Insurance Rates: Travelers provides savings opportunities for policy bundling and safe driving, lowering premiums in Delaware.

Cons

• Higher Rates For High-Risk Drivers: Drivers with a history of accidents may face higher premiums in Delaware cities.
• Limited Online Tools: Travelers’ mobile app and website are less intuitive than those of other Delaware insurers, affecting ease of use.

#7 – Liberty Mutual: Best for Unique Coverage

Pros

• Customizable Insurance Options: Liberty Mutual offers personalized insurance plans for Delaware drivers, catering to various needs.
• Bundling Discounts: Delaware drivers can save on auto and home insurance by bundling their policies with Liberty Mutual. Our Liberty Mutual car insurance review will help you learn more.
• Unique Coverage Options: Liberty Mutual provides specialized coverage plans for drivers in Delaware city-states, including high-value vehicles.

Cons

• Higher Premiums For Young Drivers: Young drivers in Delaware may find Liberty Mutual’s premiums more expensive than those of other providers.
• Limited Basic Coverage: Liberty Mutual may not be the best option for Delaware drivers looking for budget-friendly, minimal coverage.

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#8 – American Family: Best for Coverage Bundles

Pros

• Discounts For Bundling: American Family offers substantial savings when bundling home and auto insurance for Delaware drivers. For additional insights, read this American Family car insurance review.
• Custom Coverage Options: Delaware drivers can tailor insurance policies to meet their specific needs, whether in cities or rural areas.
• Strong Reputation: With a solid reputation for excellent service, American Family is a trusted insurance provider for Delaware residents.

Cons

• Higher Rates For Younger Drivers: Young drivers in Delaware may face higher insurance rates with American Families, especially in urban areas.
• Limited Online Tools: American Family’s digital tools lack the advanced features offered by competitors, making it less convenient for tech-savvy Delaware drivers.

#9 – Farmers: Best for Customer Service

Pros

• Excellent Customer Support: Farmers Insurance offers top-tier customer service, assisting Delaware drivers with personalized insurance solutions.
• Custom Coverage Options: Delaware drivers can create insurance plans that match their needs, from basic to comprehensive coverage.
• Discounts For Safe Driving: Farmers’ safe driver discounts make it a budget-friendly choice for Delaware drivers with clean records.

Cons

• Higher Premiums For High-Risk Drivers: Drivers with a history of claims may find Farmers’ rates more expensive in Delaware. Find out more in our Farmers car insurance review.
• Limited Discount Opportunities: Farmers offers fewer insurance discounts than other providers, which may limit savings for Delaware residents.

#10 – USAA: Best for Military Families

Pros

• Specialized Insurance For Military Families: USAA’s tailored insurance options cater specifically to military personnel and their families in Delaware.
• Affordable Rates: USAA offers competitive insurance rates for eligible military families in Delaware, helping them save money.
• Strong Financial Stability: With an A++ rating from A.M. Best, USAA provides reliable and trustworthy insurance coverage for military families.

Cons

• Limited Availability: USAA is only available to military families, excluding civilian drivers in Delaware from coverage. Learn more in our USAA car insurance review.
• Fewer Coverage Options For Civilians: Delaware civilians may find limited coverage options compared to other providers serving the general public.

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Car Insurance Rates in Delaware by Provider and Coverage Level

When shopping for car insurance in Delaware, comparing monthly rates by provider and coverage level is essential. Below are the rates for both minimum and full coverage across various top insurance companies:

Delaware Car Insurance Monthly Rates by Provider & Coverage Level

USAA offers the lowest rates in Delaware, starting at just $23 per month for minimum coverage, while Liberty Mutual has the highest rates, especially for full coverage, at $494 per month. It’s important to consider car insurance rates by state, as prices vary widely depending on location and coverage needs.

Car Insurance Discounts From the Top Providers in Delaware

Delaware drivers can save on car insurance with various discounts from top providers. Here’s a look at the available discounts from leading companies:

Car Insurance Discounts From the Top Providers in Delaware

These discounts are designed to reward safe driving, loyalty, and various personal circumstances, offering opportunities for significant savings on car insurance premiums. When considering how much insurance you need for your car, these discounts can help reduce costs while ensuring you get the proper coverage.

Securing Delaware Car Insurance Coverage and Rates

Since every state has different coverage options, it may be challenging to understand Delaware’s requirements. Drivers must ensure their coverage meets Delaware’s legal requirements, but the laws can be confusing.

As well, since drivers have to pay a large sum every year for car insurance, people want to know that their hard-earned money is going to something worthwhile.

It can be frustrating to realize that you’re paying more than you should or that your coverage isn’t enough in an accident. In this guide, we discuss “Strategies and Final Negotiations,” exploring everything from minimum coverages to valuable add-on options. We help you understand Delaware’s requirements and the protections you should consider purchasing.

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Delaware Minimum Coverage Requirements

Delaware requires all drivers to have bodily injury liability coverage, property damage liability, and personal injury protection (PIP) coverages. You face fines and other penalties if you don’t have these coverages in the required amounts.

The Insurance Information Institute (iii) details the amounts for bodily injury liability and property damage liability as the following:

• $25,000 for one person injured in an accident you caused
• $50,000 for two or more people injured in an accident you caused
• $10,000 for property damage in an accident you caused

As for personal injury protection and bodily injury liability insurance coverage, Delaware requires drivers to have the following coverage: The person must be covered under PIP to receive PIP’s benefits.

• $15,000 for one person injured in an accident
• $30,000 for all people injured in an accident

These coverages are necessary. They protect you in an accident because they are the law.

Forms of Financial Responsibility

So, how do you prove you have Delaware’s required minimum coverage? Luckily, it’s pretty easy. You must have an acceptable form of financial responsibility that proves you have car insurance.

This form of financial responsibility can be one of the following.

• A valid insurance ID card
• Insurance binder (a temporary form of car insurance)

You must provide proof of insurance anytime you are pulled over in a traffic stop, register a vehicle, or are in an accident. Delaware also performs audits on cars to check for car insurance periodically.

If the Delaware DMV audits you, contact your insurance provider. Your provider will submit proof of insurance to the DMV, as only they can provide this documentation—not you. This highlights why you need car insurance: to comply with state regulations and avoid penalties during audits.

Percentage of Income Spent on Insurance Premiums

An essential part of analyzing a state’s rates is to see how much car insurance takes out of your budget each year. To see how Delaware ranks, we want to examine how much yearly insurance premiums take out of an average per capita disposable income (the amount you have to spend or save after paying taxes).

Delaware Premiums as Percentages of Income

The percentage of money going to car insurance increased slightly in 2013 before dropping slightly. The decrease is good, meaning less money goes to car insurance each month.

The countrywide average for car insurance coverage is $981, so Delaware’s average cost of $1,215 is $234 more than most states!

The bad news is that Delaware’s percentages are pretty high. The highest state rate in the U.S. is 3.71 percent. Since the countrywide percentage is 2.40, Delaware’s percentage is much higher than most U.S. states. Things you do that can raise your premiums, such as traffic violations or filing claims, can further increase these rates.

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DE Average Monthly Car Insurance Rates (Liability, Collision, Comprehensive)

While Delaware only requires liability and PIP coverages, most insurance plans include three basic coverages: liability, collision, and comprehensive coverages.

Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:

So, what is the average cost of a comprehensive insurance plan? Below, you will see Delaware’s average liability, collision, and thorough costs.

Delaware Car Insurance Monthly Rates by Coverage Level

Since a core coverage plan costs $1,009 countrywide, Delaware’s annual costs average $231 more than most states, with variations depending on car insurance rates by city.

Additional Coverage Options in DE

Let’s examine some additional liability coverages in Delaware. Two frequently added coverages are medical payment and uninsured/underinsured motorist coverage.

Why is this coverage essential for you? Medical payment covers the medical costs of you and your passengers in an accident. It will also cover the expenses if you or your passengers need an ambulance ride, emergency treatment, or other medical care after an accident.

Uninsured motorist coverage and underinsured coverage are also necessary. 11.4 percent of Delaware’s drivers are uninsured, ranking Delaware 28th in the U.S. for its number of uninsured drivers.

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If you are in an accident with an uninsured or underinsured driver and that driver is at fault, they will usually be unable to pay off all the accident costs. This means you could be stuck paying the bills unless you have uninsured and underinsured coverage!

Let’s examine these coverages closely and examine the NAIC’s report on their loss ratios. We have also included the loss ratio for PIP coverage, which is required in Delaware.

Delaware Additional Liability Insurance Loss Ratios

The loss ratios of uninsured/underinsured and PIP coverage are excellent. Unfortunately, the loss ratio of medical payments has taken a turn for the worse.

A good loss ratio is neither too high nor too low, and the medical payment loss ratio exceeding 100 percent indicates that a company is paying more claims than anticipated, risking financial instability. Fortunately, the medical payment loss ratio has decreased since its spike to 169 percent in 2014. This highlights the importance of managing car maintenance expenses to protect yourself financially while ensuring claims are covered.

Add-ons, Endorsements, and Riders

If you want extra coverage to your core insurance plan, ask about the standard (and affordable!) options below.

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP) — PUP provides extra coverage if your liability insurance runs out in an accident.
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance — This coverage will pay for vehicle repairs that were NOT caused by an accident.
• Non-Owner Car Insurance — If you are driving a vehicle you don’t own, this extra coverage will provide you with bodily injury liability and property damage coverage.
• Modified Car Insurance Coverage — This will cover you if you change your car (anything from a custom paint job to a new engine).
• Classic Car Insurance — Because classic cars aren’t used nearly as often, classic car insurance is usually much cheaper.
• Pay-As-You-Drive Insurance — If you drive less, this insurance lets you pay less.

So, if you want extra coverage for peace of mind, ask your provider about any of the above coverages that interest you.

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The Average Monthly Car Insurance Rates by Age and Gender in DE

Demographics have a massive influence on insurers’ rates. While age may be an expected rate changer, gender also plays a role in rate increases.

Delaware Car Insurance Monthly Rates by Provider, Age, & Gender

Younger drivers pay THOUSANDS more than older drivers. Rates also change between genders, even if females and males have the same driving record.

To see how demographics affect rates further, look at the table below, which details the most to least expensive demographics.

Delaware Car Insurance Monthly Rates by Provider, Age, & Gender

There is a 40,000-dollar difference between the most and least expensive demographics. Since teen drivers can’t pay over $40,000 a year, most parents add teens to their policy when buying car insurance. This makes rates more economical, though they will still increase on the parents’ policy.

The Cheapest Car Insurance Rates by ZIP Code

In addition to age and gender, where you live can also affect rates. Certain areas have more risk factors. Traffic congestion, crime rates, and other area-specific factors can increase annual costs.

If you live in a ZIP code with higher costs, compare cheap auto insurance in Delaware to find the most affordable provider in your area.

Delaware Car Insurance Monthly Rates by ZIP Code & Provider

Wilmington zip codes have the cheapest car insurance rates, while Bethany Beach and Ocean View offer affordable options from some of the cheapest car insurance companies.

Cheapest Rates by City

Just like zip codes, city rates demonstrate how the area can affect rates.

Delaware Car Insurance Monthly Rates by City

Bethany Beach is the cheapest city to pay for car insurance, and opting for car insurance with telematics can help drivers save even more, costing $2,910 less than in Yorklyn City.

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The Best Delaware Car Insurance Companies

Finding the right car insurance company can be impossible without support and guidance. Similar insurer promises and expensive rates can blur into a mess when sifting through insurance information.

To help you make the right choice, we’ve done the hard work of researching companies for you.

From financial ratings to customer satisfaction ratings, including information about SR-50 insurance coverage, it’s all coming up next. Keep reading to learn everything you need to know about Delaware’s car insurance companies.

The Financial Rating of the Largest Companies

Financial ratings may be the last thing on anyone’s mind when shopping for car insurance, but financial ratings tell you how secure a company is. After all, the last thing you want is for a company to go bankrupt right after you purchase car insurance from it!

AM Best measures companies’ financial ratings to determine their financial future. Below, you will see AM Best’s ratings for the largest insurance companies in Delaware.

Delaware AM Best Ratings

CSSA Insurance Group has an A rating from AM Best, but you may have noticed its loss ratio is over 100 percent. If you are considering this company as a potential insurer, you should keep this high loss ratio in mind.

The other companies have good loss ratios and excellent AM Best ratings (the highest rating possible is A++). This means AM Best considers these companies more financially secure than others. What you should know about Country Financial auto insurance is that it also has a strong financial rating.

Companies With the Best Financial Ratings

Now that we’ve covered companies’ financial aspects, let’s look at how well Delaware companies serve their customers. J.D. Power is a leading ranker of companies’ customer satisfaction, and its 2008 study surveyed multiple customers.

Look at the graphic below to see how Delaware’s companies performed in the study.

Geico received the second-highest rating from J.D. Power: “better than most.” Other Delaware auto insurance companies, such as Allstate and Progressive, only earned an “about average” score.

USAA received the highest rating possible, but because USAA only provides insurance to U.S. military personnel, it was not included in the overall list. When comparing Allstate vs. USAA car insurance, it’s important to note that USAA’s coverage is exclusive to military members and their families, while Allstate is available to everyone.

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Companies With the Most Complaints in Delaware

One factor in determining customer satisfaction is the number of consumer complaints a company receives. Of course, knowing how the company resolves complaints is also essential.

We’ve included NAIC’s list of the major companies’ complaint ratios to see how Delaware’s companies are doing.

Delaware Complaint Ratio From the Top Providers

You might wonder why some companies with high complaint rates have low complaint ratios. It all depends on the company’s size.

A large company may have a thousand complaints, but a thousand customers may only make up a minuscule portion of its overall customers, resulting in a low complaint ratio. What does a no-fault state mean? In no-fault states like Delaware, each driver’s insurance covers their damages, which affects how claims are processed.

The Cheapest Auto Insurance Companies in Delaware

Everyone wants to save! You can save a tidy sum each year by shopping for an auto insurance provider. We’ve partnered with Quadrant to make a list of the cheapest providers in Delaware and essential rate changes at companies caused by everything from commute time to credit history.

The table below shows the cheapest car insurance providers in Delaware.

Delaware Car Insurance Monthly Rates From Top Providers vs. U.S. Average

USAA is almost 160 percent cheaper than the state average! If you aren’t military personnel, though, don’t worry. Other companies also have rates significantly beneath the state average rates.

“Geico’s advantage is over two thousand dollars less than the average state cost. A common question for many drivers is, ‘Will Geico insure a car not in my name?‘ This is important to consider when exploring affordable coverage options in Delaware.

Commute Rates by Companies

Surprisingly, how far you drive daily can sometimes affect your yearly rates. At the same time, not all companies charge more for longer commutes; a few charge more.

Six significant factors affect auto insurance rates in Delaware. Which auto insurance factors will affect rates the most? Find out below:

Check the table below to see how commuter distance can impact prices.

Delaware Car Insurance Monthly Rates by Annual Mileage

While most companies only increase prices by $100-200 for a longer commute, Liberty Mutual charges over a thousand dollars! If you are a Liberty Mutual customer with a long commute, it may be time to start looking for other providers.

Learning how to drive safely, no matter the time of day, is essential, but high insurance rates shouldn’t punish safe drivers who commute longer distances. Also, Liberty Mutual has the highest annual cost, costing $17,000.

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Coverage Level Rates by Companies

Opting for lower auto insurance coverage can be tempting to save money. If you are in an accident, though, that lower coverage could cost you. Purchasing higher coverage doesn’t have to be a significant expense.

Some companies offer affordable, higher coverage without an astronomical price tag. The table below shows how coverage options compare.

Delaware Car Insurance Monthly Rates by Coverage Level

While some companies have a thousand-dollar increase between low and high coverage, few affordable options are on the list. USAA has a minimal increase, as does Nationwide.

Spending an extra few hundred a year is manageable, and having high insurance coverage in an accident is essential. Refer to an accident guide to understand the coverage options and ensure you find a policy that offers high protection within your price range.

Credit History Rates by Companies

“Most companies look at your credit history and factor that into their rate-determination process, which is integral to understanding how car insurance works. In the U.S., the national average credit score is 675, while Delaware’s average is slightly lower at 672

Delaware residents with credit scores lower than Delaware’s average credit score may receive higher rates.

The table below shows just how vital credit history is.

Delaware Car Insurance Monthly Rates by Credit Score

Yikes! At Liberty Mutual, poor credit will cost you $11,000! While other companies don’t have increases as shocking as Liberty Mutual’s increase, poor credit history will still cost you an extra few thousand dollars a year at most companies.

Driving Record Rates by Companies

Your driving record is another major factor in companies’ rate determination process. You can expect your rates to increase if you have a DUI, accident, or speeding violation added to your driving record.

Delaware Car Insurance Monthly Rates by Driving Record

Liberty Mutual once again has the worst rate increase, with a DUI raising rates over $12,000. A DUI will raise your rates by over $2,000 at other companies like Allstate at other companies like Allstate.

DUIs tend to increase rates the most, followed by accidents. Speeding violations will raise your rates, but usually, the increase will be under $1,000. Safe driving tips can help you avoid these violations and keep your insurance rates low.

So, how many insurers do you have to choose from in Delaware? The good news is that there are many options, but the bad news is that so many insurers can make picking one overwhelming!

• Domestic Insurers: 101
• Foreign Insurers: 766

With 867 insurers available, that’s a lot of insurers to choose from! If it helps you decide, there is a slight difference between domestic and foreign insurers.

Domestic insurers are formed under Delaware’s state laws. Foreign insurers are formed under another state’s laws and can sell in multiple states.

The difference is like comparing a local grocery store available only in Delaware to a chain of grocery stores nationwide. Similarly, distracted driving laws and enforcement can vary by state, impacting car insurance rates differently based on location.

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Delaware State Laws

Nobody wants a driving ticket! But if you aren’t familiar with your state laws, officers will inevitably ticket you.

Since each state creates laws, new residents and drivers may be confused by Delaware’s driving laws. That’s why we’ve covered everything from car insurance laws to road rules, including whether you need a driver’s license to buy a car.

Keep reading to learn everything you need about Delaware’s laws to avoid expensive tickets!

Car Insurance Laws Explained

We’ve discussed Delaware’s insurance requirements before, but its laws encompass more than minimum coverage. They also regulate coverages, high-risk insurance, and much more!

How State Laws for Insurance Are Determined

Every state has different processing laws for insurance filings. The NAIC describes Delaware’s filing process as the following:

“Regarding form filings, commissioner may exempt insurer from filing requirements, if deemed that requirements may not be practically applied or if not necessary for the protection of public.”

What does this mean? Insurers may not have to file their auto insurance policies with Delaware’s state department if a commissioner exempts them.

State departments usually require forms to be filed to ensure insurers provide drivers with the minimum car insurance coverage. However, a common question is, ‘Does car insurance cover an unregistered vehicle?‘ Typically, insurance will not cover vehicles that are not correctly registered.

How to Get Windshield Coverage

In Delaware, the law doesn’t require insurers to replace your broken windshield. Luckily, comprehensive coverage usually covers the cost of repair or replacement. Insurers who offer windshield replacement must follow the laws below.

• Insurers may use aftermarket or used parts but must notify you. You may have to pay the price difference if you refuse aftermarket parts.
• You may choose the repair vendor but have to pay the price difference.

It is essential to repair or replace your windshield as soon as possible, as driving with cracks that impair vision is illegal. You face the following penalties if you don’t repair large cracks or broken windshields.

• First Offense — Fine of $25 to $115
• Second and Subsequent Offenses — $57 to $230 and/or 10 to 30 days jail time

Having comprehensive coverage to provide you with repairs, such as replacing a damaged windshield, will prevent you from accumulating fines. If you’re wondering, ‘Should I use insurance to replace my windshield? ‘ Comprehensive coverage typically applies to such situations.

How to Get High-Risk Insurance

Delaware is one of the few states that DOESN’T require drivers to fill out an SR-22 form to purchase high-risk insurance. This doesn’t mean insurance providers won’t consider you a high-risk driver and increase your rates!

Below are some common reasons that insurers label you a high-risk driver.

• Serious driving violation
• Serious accidents
• Bad driving record
• New drivers
• Drivers over 70
• Car insurance coverage lapse
• High-risk vehicle

If drivers meet the above criteria, insurers may increase their rates. Delaware law doesn’t require insurers to cover high-risk drivers; insurers may refuse.

“If insurers refuse coverage, drivers must turn to Delaware’s automobile insurance plan (DAIP). Drivers can apply to DAIP through any insurance company in Delaware. What do car insurance brokers do? They help drivers navigate the process by finding coverage options, including assisting with high-risk plans like DAIP.

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How to Get Low-Cost Insurance

Delaware does not have a low-cost insurance program, but many ways exist to make car insurance more affordable. Every insurer offers multiple discounts that help bring insurance costs down.

• Safety device discount
• Good driver discount
• Good student discount – Usually need a B+ average
• Defensive driver discount
• Anti-theft device discount

These are just a few of the most common discounts offered, so ask your insurer for a complete list.

Combining multiple discounts on your policy can save you money on your yearly bill. Understanding what car insurance covers will help ensure you get the proper protection while maximizing your savings.

Automobile Insurance Fraud in Delaware

The Insurance Information Institute (iii) reported that about $30 billion is stolen yearly in fraudulent insurance claims. States like Delaware have created fraud bureaus to catch fraudulent activity.

According to the Delaware Department of Insurance, Delaware has ruled the following actions as automobile fraud.

• Application Fraud: not disclosing information honestly, such as omitting past accidents or the number of actual drivers in the household
• Claim Fraud: exaggerating accident costs, such as altering receipts or creating false receipts for injuries/damages that never occurred

People charged with insurance fraud face the following penalties.

• Fines: up to $10,000
• Jail time: up to two years

A basic rule when filing a car insurance claim after an accident is to be honest and accurate when completing applications and claim forms. This will help prevent investigations or potential charges of automobile insurance fraud.

The Statute of Limitations

Every state has a different statute of limitations on how long you have to file and resolve your claim after an accident. Delaware’s statute of limitations is relatively short compared to other states, so file the claim as soon as possible.

• Bodily Injury: Two years
• Property Damage: Two years

Also, the sooner you file a claim, the sooner you will receive the money you need to pay off your accident bills. You may wonder, “Do I need to call the police or file a claim after an accident?” In most cases, ensuring proper documentation and protecting your rights is essential.

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Delaware’s Unfair Claims Settlement Practice Act For Regulating Claims Handling Practices

Delaware has an Unfair Claims Settlement Practice Act, ensuring insurers follow ethical guidelines. The law requires insurers to respond to claims promptly and disclose all policy information.

This ensures people receive all the benefits owed to them and that insurers don’t try to pay less for a claim.

While this law is excellent, be familiar with your policy to catch discrepancies that might fall under Delaware’s Unfair Claims Settlement Practice.

After all, the law can only be enforced if a problem is discovered.

Vehicle Licensing Laws

Do you know everything you need to know about Delaware’s vehicle licensing system? We’ve included everything from teen driver laws to license renewal procedures to help guide you.

Penalties for Driving Without Insurance

Since Delaware requires all drivers to have insurance, driving without insurance will result in multiple penalties.

Delaware Driving Without Insurance Penalties by Number of Offense

As a reminder, the following are acceptable proof of insurance forms in Delaware.

• A valid insurance ID card
• Insurance binder (a temporary form of car insurance)

Proof of insurance must be provided at traffic stops, vehicle registration, and accidents. As well, Delaware also periodically performs audits on cars to make sure drivers have car insurance.

If you don’t follow Delaware’s car insurance laws or fail to respond to an audit, you will receive a notice of intent to suspend your car’s registration.

According to the Delaware DMV, you must pay off any penalties for the insurance lapse and a $50 reinstatement fee before you can be re-registered. Failing to do so could result in receiving a citation or ticket, as citation vs ticket depends on the specific violation.

Teen Driver Laws

Teen drivers in Delaware must be at least 16 years old to have a learner’s license. Teens with learner’s licenses must meet the requirements below before applying for an adult or restricted license.

Delaware Teen Driver Requirements

If a teen driver receives a restricted license, further further requirements are to ensure their safetytheir80 responsive=scroll /]

These regulations are essential to follow, and passenger restrictions limit distractions that can lead to accidents.

License Renewal Procedures for Older Drivers

Luckily, Delaware’s older driver’s license renewal procedures are straightforward. Unlike most states, the older driver population has the same renewal process as the general population.

Below is the basic renewal procedure process.

• License Renewal Cycle: Every eight years
• PrEvery situate Vision: required at EVERY renewal
• Mail or Online Renewal: NOT permitted

Delaware’s license renewal procedure is simple. Drivers must visit the local DMV every eight years to renew their licenses and provide proof of adequate vision. You might wonder, ‘Can I get car insurance without a license?‘ Sometimes, it is possible, but you may need to list a licensed driver as the primary insured on the policy.

The Procedure for New Residents

If you are new to Delaware, the law requires you to update your information at a local DMV within 60 days.

When buying a car, you will need proof of insurance. Contact your insurance provider to ensure you meet Densure’s minimum insurance requirement.

Your insurance provider will also give you an updated ID card with the address. Once this is taken, you can connect.

Though not an insurance requirement, you still need a driver’s license to operate the vehicle. Do you need a driver’s license to buy a car? In most cases, it’s not always mandatory, depending on the state.

License Renewal Procedures

The license renewal process for the general population is the same as for the older population. Here’s again, for reference.

• License Renewal Cy, for reference: Every eight years
• PrEvery situate Vision: required at EVERY renewal
• Mail or Online Renewal: NOT permitted

Although mail or online renewal is not permitted, there is still an eight-year gap between license renewals. If you forget when your license needs to be renewed, the DMV will send you multiple reminders before it expires.

The Term “Negligent Operator Treatment System” Explained

Delaware has laws prohibiting reckless or careless driving practices. If drivers drive in a manner that endangers themselves, others, or property, they will be charged with reckless driving or can be charged with driving.

Reckless driving carries more serious charges than careless driving, as shown by the list of penalties below.

Delaware Reckless Driving Penalties by Offense

Deleware will also suspend drivers’ licenses if they earn 14 (or more) points within two years. The penalties for careless driving penalties are able id=382 responsive=scroll /]

A careless driving charge has fewer points and fines accumulated. What are the road rules?

Knowing the rules of the road is essential for staying safe while driving. Since every state has slightly different regulations, we will review the relevant laws, including how much a ticket for driving without a license costs.

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Delaware is a No-Fault State

Knowing how Delaware’s fault system works is essential in an accident. Delaware is an at-fault state, which means the driver who caused the accident is liable for all of the accident’s injury and property damage costs.

This means that if a driver doesn’t have insurance and is at fault, the driver may face bankruptcy if unable to pay off all the accident costs.

Don’t let this be you! Follow Delaware law and have at least the minimum insurance coverage. Understanding the difference between no-fault and tort car insurance is essential, as it can affect how claims are handled in an accident.

Coverage Belt and Car Seat Laws

Delaware has specific seat belt laws that must be followed. These laws ensure the safety of the driver and passengers.

Delaware Seat Belt Law

Primary enforcement means an officer can pull drivers over and ticket them if the officer sees someone without a seatbelt.

 

As for car seat laws, Delaware only has basic rules and car seat manufacturers’ size and weight regulations for picking out car seats for younger passengers.

Delaware Car Seat Law

While no specific regulations restrict riding in a pickup truck’s cargo area, it’s essential to exercise caution to stay safe. Is it bad to carry minimum coverage car insurance? In some situations, carrying only the minimum coverage may leave you financially vulnerable, mainly if an accident occurs while riding in the cargo area.

Moving to the right is simple. Drivers going slower than the average traffic speed should stay in the right lane. The left lane is for faster traffic and passing, though passing on the right is allowed in certain circumstances. If needed, it is important to know what a policy number on an insurance card is.

Likewise, the move-over law is simple: You must slow down and move over a lane if you see a station. You must slow down and move over a lane if an emergency vehicle, public utility vehicle, or tow truck with flashing lights cannot slow down as much as possible!

The Speed Limit

Speed limits often frustrate people, especially when they drive too fast and receive a ticket! Below, you will see Delaware’s maximum speed limits by road type.

Delaware Speed Limits by Road Type

Since these are the maximum speed limits, you could still receive a ticket if you drive below the drive speed limit BUT ABOVE the posted speed limit.

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Ridesharing Works By Connecting Drivers and Passengers Through Apps

If you plan on joining a ridesharing company like Uber or Lyft, you must purchase insurance. The ridesharing company should provide a list of acceptable insurers, and you must also meet basic requirements.

• At least 21 years old
• Driving experience
• Clean driving record
• Registered and inspected vehicle

Ridesharing companies may differ slightly in requirements, but you can expect to meet at least cheap rideshare auto insurance requirements.

Above Requirements On the Road

Currently, Delaware does not have any laws regulating rot in automation. According to the Insurance Institute for Highway Safety (IIHS), automation can be defined as follows.

“Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human.”

Thereafter, there are levels of automation, ranging from cruise control to fully self-driving cars.

The Safety Laws

As the name suggests, Delaware created safety laws to keep drivers safe. Delawaple laws prohibit and penalize drunk driving, marijuana-impaired driving, and distracted driving.

The DUI Laws

In 2017, there were 32 alcohol-impaired fatalities in Delaware. Delaware created the following law to help discourage Delaware created the following law covers from being one of these statistics/]

The lookback or washout period is how long the offense will remain on your driving record. Remember, a DUI will SIGNIFICANTLY raise your insurance rates.

In case increased rates aren’t enough to discourage drunk driving, Delaware has the following penalties in place for DUIs.

Delaware DUI Penalties Multiple Offenses

If a driver is charged with drunk driving, they face jail they face suspension, fines, and other penalties.

Marijuana-Impaired Driving Laws

Delaware has a zero-tolerance policy for marijuana (THC) and metabolite use. This means that if a driver is charged with driving under the influence of marijuana, that driver will face multiple penalties for impaired driving.

Impaired driving comes with similar penalties as a DUI: license suspension, fines, and/or jail time.

Even in states where recreational marijuana use is legal, driving under the influence of marijuana is illegal. Marijuana impairs drivers’ judgment, which inevitably leads to accidents.

Distracted Driving Laws

Distracted driving is when an activity distracts a driver from the road, such as texting, brushing hair, or eating. To help prevent accidents, Delaware has a law limiting cellphone use, which is one of the biggest distractors in the 21st century.

Delaware Distracted Driving Cellphone Use Law

Texting is prohibited for all drivers, as is handheld devices.

Delaware’s Can’t-Miss Facts

While you may think you are fully prepared to drive in Dela now, there are still a few important things to cover, mainly the dangers on Ware’s roads.

“Knowing what risk factors to watch out for, such as distracted pedestrians and deadly accidents, can help you avoid being in an accident. To stay as safe as possible, keep reading to learn about everything from road dangers to causes of fatalities.

There Is Vehicle Theft in Delaware

If you own one of the following vehicles in Delaware, be aware that it is among the top ten most stolen Delaware vehicles.

Delaware Top 10 Stolen Vehicles

The Honda brand is one of the more popular vehicles for theft, with 53 Honda Civics and 43 Honda Accords stolen. Next, we have NextBI’s report on Delaware’s vehicle theft by cities.

Delaware Vehicle Theft by City FBI Report

Wilmington is the worst city for vehicle theft, with 371 cars in 2013!

The Road Dangers in Delaware

Every state has different road dangers to watch out for. To help you know what Delaware’s risks are, we’ve looked at NHTSA’s data on everything from crashes by weather conditions to factors in fatalities.

The Number of Fatal Crashes by Weather Conditions and Light Conditions

Below, you will see information from 2017 on Delaware’s crashes.

Delaware Fatal Crashes by Weather Condition and Light Condition

While most fatal accidents occurred in normal conditions, rain conditions in Delaware also contributed to deadly crashes.

The Number of Fatalities (All Crashes) by Count

Over the years, New Castle County has had the highest fatality rates. The table below shows the fatality rates for Delaware’s counties over five years.

Delaware Fatalities All Crashes by County

The Number of Traffic Fatalities

The type of road you drive on often carries unique risk factors. Urban roads tend to be more congested, but drivers on rural roads are more prone to speeding.

Delaware Fatalities by Road Type

In Delaware, more fatal crashes occur on rural and urban roads.

The Number of Fatalities by Person Type

Person type doesn’t refer to a driver’s personality, such as whether they have road rage. Instead, it looks at the kind of vehicle driven and whether the fatality involves a car occupant or a pedestrian. Should you refinance your car loan? The type of vehicle you drive can also influence the decision, as it may affect the loan terms and overall cost.

Delaware Fatalities by Person Type

If you are a pedestrian or cyclist, you should constantly check your surroundings and pass cars, as drivers may not pay close enough attention to their surroundings.

The Number of Fatalities by Crash Type

The type of crash can play a significant role in the fatality risk. Below is Delaware’s data on fatalities by crash type.

Delaware Fatalities by Crash Type

Single-vehicle crashes are the deadliest in Delaware, followed by roadway departures and intersections.

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The Five-Year Trend for the Top Counties

Check out the table below to see how fatality rates vary from county to county. There are only three counties in Delaware, and we have included each county’s fatality rate over the years.

Delaware Fatalities Top 10 Counties

New Castle County has the highest fatality rates over the years, followed by Sussex County.

The Number of Fatalities Involving Speeding by County

Speeding is a significant risk factor. Every year, speeding contributes to multiple fatalities statewide, including in some of the most dangerous U.S. cities for cyclists. Look at the speeding deaths by county below to see where your county ranks.

Delaware Speeding Fatalities

New Castle and Sussex County consistently alternate between the highest number of crashes, with Kent County remaining steady as the least fatalities.

The Number of Fatalities in Alcohol-Impaired Crashes by County

Drunk driving is another culprit in most fatalities. Kent County has the least amount of drunk driving fatalities, though the ideal number would be zero.

Delaware Drunk Driving Fatalities by Country

Drunk driving is simply not worth the risk of dying or killing others! These numbers may not seem significant,, but remember th, but remembersmall state. In proportion to the population, drunk driving is claiming a large percentage of lives each year.

The Ranking for Teen Drinking and Driving

Teens are known for taking risks. Unfortunately, teens’ risk-taking often crosses over into their driving. Every year, numerous teenagers will drink and drive. What is the cost of underage drinking and driving? Sometimes, it’s the teen’s life.

In 2016, 1.7 teens per 100,000 population in Delaware died from drinking and driving. This number is above the national average of 1.2 deaths per 100,000 population.

Let’s examine Delaware’s arrest record to see how well it let’s examine Delaware’s arrest record to working to end drinking and driving.

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With ZERO arrests in 2016, Delaware needs to improve their arrest record. After all, arresting underage drunk drivers will prevent accidents and fatalities!

The EMS Response Time

Let’s look at the number of accidents by looking at the EMS response times in Delaware.

Delaware EMS Response Time

In rural and urban areas, people injured in car accidents are usually at the hospital within an hour of the emergency call. If you’re wondering, ‘Is it bad to send photos of car accidents to your insurance company?‘ it’s essential to know that submitting photos can help support your claim. Still, it’s always best to follow your insurer’s guidelines.

The Transportation in Delaware is Like This

Transportation is vital. We use it to get to work, to ductwork, and across states. Because transportation is such a necessary part of our lives, we want to see how it functions in Delaware by looking at information from Data USA.

The Percentage of Car Ownership

In Delaware, most residents own an average of one to three cars.

The Average Commute Time

Spending time driving to work each day is a necessary evil. In Delaware, most residents spend 25 minutes driving to work each day, just below the national average of 25.3 minutes.

The Preferred Commuter Transportation

As a throw, some Delaware shows residents choose to work from home instead of commuting or driving. However, this is the most popular option, though bling.

Traffic Congestion in Delaware

Luckily for Delaware residents, none of Delaware’s cities made it onto significant traffic scorecards. This means Delaware’s traffic congestion is not noteworthy enough to mention. Seeing as most Delawareans only have a 25-minute commute, they don’t seem to spend much time in traffic.

Whew! You’ve made it through our comprehensive guide on Delaware. Before making any final decisions on your insurance company, it’s essential to learn as much as you can about your liability insurance providers and coverage options, especially if you’re considering popular cars worth more used than new, as this could affect your coverage needs.

Questions include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state, and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

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Best Car Insurance in Delaware: What You Should Know

When choosing the best car insurance in Delaware, consider cost, coverage, and the company’s strength. Geico, for instance, has a low price point and user-friendly tools, but some may have personal service.

Determine your budget and insurance needs to find a safeguarding and convenient plan. Safe driving means checking your bad attitude at the car door, which can lead to fewer accidents and potentially lower insurance premiums. Shopping for the right options will ensure you are well-insured and receive the best value for your coverage.

Before making big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just enter your ZIP code to start comparison shopping with our FREE online tool!