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Best Cheap Auto Insurance Quotes for Drivers with Accidents in Delaware

Enter your Delaware zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 14, 2019

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It’s hard to avoid all the captivating ads from companies like Liberty Mutual and Nationwide that claim huge savings, so you should just choose the one with the flashiest ad, right?

It’s not that easy, however, as there are a whole bunch of unknowns like your annual mileage driven, whether or not your vehicle has good safety ratings, and if you are a man or woman, that all factor into the price you pay. The content below covers the different ways to avoid overpaying and also should give you a good beginning to your search for cheaper coverage.

Determining which insurers offer the lowest-priced car insurance rates for drivers with accidents will require more time than just getting one or two price quotes. Each insurer has their own process to determine rates, so let’s look at the rankings for the most affordable car insurance companies in Delaware.

It’s a good idea to be aware that Delaware car insurance rates are impacted by many things that control the price of your policy. Turning one year older, moving to a different location, or having an at-fault accident can produce rate changes resulting in some companies being affordable when they were higher priced.

Enter your zip code below to view companies that have cheap auto insurance rates.

Delaware auto insurance company rankings
Rank Company Cost Per Year
1 USAA $874
2 Travelers $1,084
3 Nationwide $1,280
4 Atlantic States $1,318
5 California Casualty $1,332
6 Titan $1,344
7 GEICO $1,533
8 Donegal Mutual $1,559
9 National Grange Mutual $1,579
10 MetLife $1,744
11 Progressive $1,763
12 State Farm $1,888
13 Encompass $1,989
14 Allstate $2,920
15 Sentry $3,699
16 Liberty Mutual $6,280
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USAA normally has some of the cheapest car insurance rates in Delaware at around $874 annually. Travelers, Nationwide, Atlantic States, and California Casualty also rank well as some of the cheaper Delaware insurance companies.

As shown in the table above, if you are a policyholder with Atlantic States and switched to Travelers, you may see yearly savings of approximately $234. Insureds with California Casualty may save as much as $248 a year, and Titan customers might cut rates by $260 a year.

To see if you’re overpaying, click here to start a quote or click several companies below for low rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

Be aware that those policy prices are averaged for all types of insureds and vehicles and do not factor in a price increase for drivers with accidents. So the car insurance company that can offer you the best rate may not even be included in the chart above. That illustrates why you need to quote rates from many companies using your own specific driver and vehicle information.

One of the key components that help determine the cost of insurance is where you choose to live. Areas that are more densely populated like Wilmington, New Castle, and Brookside tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates generally benefit from lower insurance rates.

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The table below shows the higher priced cities in Delaware for drivers with accidents to purchase auto insurance in.

How much does car insurance cost in Delaware?
Rank City Annual Premium
1 Wilmington $2,315
2 Wilmington Manor $2,257
3 New Castle $2,205
4 Edgemoor $2,184
5 Brookside $2,121
6 Middletown $2,090
7 Claymont $2,069
8 Newark $2,064
9 Bear $2,061
10 Elsmere $2,028
11 Hockessin $1,922
12 Pike Creek $1,922
13 Smyrna $1,781
14 Dover $1,675
15 Seaford $1,672
16 Highland Acres $1,624
17 Milford $1,618
18 Harrington $1,611
19 Camden $1,606
20 Laurel $1,586
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Annual rates are comparative as the specific Delaware residence address can decrease or increase premiums considerably.

Does it make sense to buy full coverage?

Finding the best cheap auto insurance for drivers with accidents in Delaware is the goal of most vehicle owners, and one common way to reduce the cost of insurance is to only pay for liability coverage. The diagram below illustrates the difference between yearly insurance costs with full coverage compared to only the Delaware minimum liability coverage. The data is based on no violations or claims, $500 deductibles, marital status is single, and no other discounts are factored in.

If we average the cost for ages 20 through 70, comp and collision coverage costs $2,545 per year more than just buying liability insurance. Lot’s of drivers question if paying for full coverage is worth it. There is no clear-cut formula of when to stop paying for full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.

Use our FREE quote tool to compare insurance rates now!

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Enter your zip code below to view companies that have cheap auto insurance rates.

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