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How Much Does Car Insurance Cost for Drivers with a Bad Driving Record 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 17, 2019

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Finding low-priced auto insurance is not the easiest thing to accomplish, and deciding which insurers offer the cheapest insurance rates for drivers with a bad driving record will involve a bit more work. Insurance prices will most likely be significantly higher than the state average due to the potential for more claims that comes with offering coverage for bad drivers, but competitive coverage should be possible with some perseverence. Each auto insurer has their own process to set policy rates, so first we will examine the most affordable insurance companies in Delaware.

It’s a good idea to know that Delaware insurance rates are impacted by many things that can increase the price of coverage. Price variation is why it is critical to compare as many rates as possible to find affordable car insurance quotes for drivers with a bad driving record. Auto insurance prices are made up of many factors and change dramatically, so the best company the last time you shopped around may now be an over-priced policy.

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

What’s the cheapest car insurance in Delaware?
Rank Company Cost Per Year
1 USAA $874
2 Travelers $1,084
3 Nationwide $1,254
4 Atlantic States $1,279
5 Titan $1,331
6 California Casualty $1,345
7 Donegal Mutual $1,497
8 National Grange Mutual $1,517
9 GEICO $1,533
10 MetLife $1,744
11 Progressive $1,835
12 State Farm $1,946
13 Encompass $2,049
14 Allstate $2,920
15 Sentry $3,625
16 Liberty Mutual $6,280
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USAA normally has some of the best car insurance rates in Delaware at around $874 each year. Travelers, Nationwide, Atlantic States, and Titan are also some of the lowest-priced Delaware insurance companies.

As the example above demonstrates, if you buy coverage from Atlantic States and switched to USAA, you might see savings of upwards of $405. Delaware drivers with Titan might save as much as $457 a year, and California Casualty policyholders might see rate reductions of $471 a year.

These premium estimates are averaged across all insureds and vehicles and do not take into consideration a rate surcharge for drivers with a bad driving record. So the car insurance company that is most affordable for your situation may not even be included in the company chart above. That underscores the importance of why you need to get auto insurance quotes using your own personal information and vehicle type.

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

When buying car insurance for bad drivers, one of the key factors that helps car insurance companies calculate the amount you pay for auto insurance is where your car is garaged in Delaware. Densely populated urban areas like Wilmington, Middletown, and Edgemoor will most likely pay more, whereas areas with less crime or weather claims benefit from lower rates.

The next table rates the higher priced cities in Delaware for drivers with a bad driving record to purchase auto insurance in.

Where does Delaware rank for car insurance cost?
Rank City Premium Per Year
1 Wilmington $2,338
2 Wilmington Manor $2,257
3 Middletown $2,153
4 Brookside $2,142
5 Edgemoor $2,120
6 New Castle $2,119
7 Newark $2,024
8 Bear $2,000
9 Elsmere $1,988
10 Claymont $1,987
11 Hockessin $1,941
12 Pike Creek $1,902
13 Smyrna $1,781
14 Dover $1,675
15 Camden $1,672
16 Milford $1,667
17 Laurel $1,634
18 Highland Acres $1,624
19 Seaford $1,606
20 Harrington $1,594
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Rate information is comparative as the vehicle garaging location can decrease or increase insurance rates substantially.

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Performance level and cost of the vehicle you are trying to insure is one of the largest factors that determines whether or not you can buy cheap auto insurance for drivers with a bad driving record in Delaware. Vehicles with limited top-end speed, a plethora of safety features, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models.

The lists below estimates auto insurance prices for the cheapest automobiles to buy coverage for.

Car Insurance Rates for Popular Cars in Delaware
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $3,812 $1,906 $318
Ford Focus S 4-Dr Sedan $3,776 $1,888 $315
Ford Fusion Hybrid 4-Dr Sedan $4,832 $2,416 $403
Honda Accord EX 2-Dr Coupe $4,318 $2,159 $360
Honda Civic SI 4-Dr Sedan $4,152 $2,076 $346
Hyundai Sonata GLS 4-Dr Sedan $4,148 $2,074 $346
Kia Optima SX $4,354 $2,177 $363
Nissan Altima Hybrid 4-Dr Sedan $4,018 $2,009 $335
Toyota Corolla XLE $3,982 $1,991 $332
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Price data assumes married female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Prices do not factor in zip code location which can modify premium rates substantially.

Car Insurance Rates for Popular SUVs and Crossovers in Delaware
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Buick Enclave XL 2WD $4,018 $2,009 $335
Chevrolet Traverse LS 2WD $3,256 $1,628 $271
Ford Escape XLS 2WD $3,220 $1,610 $268
Ford Expedition Eddie Bauer 2WD $3,632 $1,816 $303
Ford Explorer Eddie Bauer AWD $3,848 $1,924 $321
GMC Acadia SL AWD $3,642 $1,821 $304
Honda CR-V EX 2WD $3,220 $1,610 $268
Honda Fit Sport VSA $3,106 $1,553 $259
Honda Pilot EX-L 2WD $3,848 $1,924 $321
Hyundai Tucson Limited 2WD $3,812 $1,906 $318
Jeep Grand Cherokee Laredo 2WD $3,812 $1,906 $318
Kia Sportage EX 2WD 4-Dr $3,812 $1,906 $318
Toyota Highlander Sport 4WD $3,848 $1,924 $321
Toyota RAV4 Sport 4WD $3,812 $1,906 $318
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Table data assumes married female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in specific zip code location which can alter coverage prices greatly.

Insurance Rates for Popular Pickup Trucks in Delaware
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT 2WD $3,570 $1,785 $298
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD $4,560 $2,280 $380
Chevrolet Silverado Crew Cab Hybrid 4WD $4,224 $2,112 $352
Dodge Ram 2500 Crew Cab Laramie 4WD $4,596 $2,298 $383
Dodge Ram Quad Cab Laramie 2WD $4,390 $2,195 $366
Ford F-150 Lariat King Ranch 4WD $4,054 $2,027 $338
Ford F-250 XLT Super Cab Turbo Diesel 4WD $4,868 $2,434 $406
Ford F-350 Super Cab Lariat Turbo Diesel 2WD $4,260 $2,130 $355
GMC Sierra SLT Crew Cab 4WD $4,224 $2,112 $352
Toyota Tundra SR/5 Crew Max 4WD $4,390 $2,195 $366
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Prices based on married female driver age 50, two speeding tickets, two at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can modify premium rates significantly.

Tickets and at-fault accidents raise rates

In a perfect world, the best way to enjoy cheap auto insurance for drivers with a bad driving record in Delaware is to pay attention while driving and maintain a clean driving record. The diagram below shows how speeding tickets and accidents can increase insurance rates for different age categories. The rates are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

The data above shows the average cost of a car insurance policy in Delaware per year with a clean driving record and no accidents is $1,817. Add in two speeding tickets and the average cost surges to $2,428, an increase of $612 each year. Now add two accidents along with the two speeding tickets and the yearly cost of insurance for drivers with a bad driving record jumps again to an average of $4,821. That’s an increase of $3,004, or $250 per month, just for not being a responsible driver!

Selecting a high-quality car insurance provider can be challenging considering how many companies there are in Delaware. The company ratings in the next section can help you select which auto insurance companies to look at when shopping around. The rankings below are only made up of the companies with a significant amount of written premium nationwide, so companies that have a smaller presence are not taken into consideration for the list.

Top Ten Insurance Companies for Drivers with a Bad Driving Record
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
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Data Source: Insure.com Best Car Insurance Companies

Cost comparison with and without full coverage

Finding cheap auto insurance for drivers with a bad driving record in Delaware is probably important to most drivers, and a great way to pay lower rates for insurance is to not buy comprehensive and collision coverage. The illustration below compares insurance costs with full physical damage coverage compared to only buying liability only. Data assumes a clean driving record, no claims, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an extra $3,163 per year more than just buying liability insurance. That is a large expense which might make you wonder if it’s a good idea to buy full coverage. There is no clear-cut formula for dropping physical damage insurance, but there is a general convention. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your vehicle’s settlement value is $11,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $10,000 after paying the physical damage deductible. If you are paying over $1,000 a year for physical damage coverage, then it could be time to drop full coverage.

There are a few cases where dropping physical damage coverage is not a good plan. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

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