Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in Delaware
| City | Premium | Percent Increase |
| Ocean View | $1,539 | 0.0% |
| Rehoboth Beach | $1,550 | 0.7% |
| Lewes | $1,550 | 0.7% |
| Dagsboro | $1,578 | 2.5% |
| Selbyville | $1,580 | 2.6% |
| Frankford | $1,589 | 3.2% |
| Millsboro | $1,595 | 3.6% |
| Milton | $1,595 | 3.6% |
| Greenwood | $1,625 | 5.6% |
| Georgetown | $1,631 | 5.9% |
| Milford | $1,665 | 8.2% |
| Harrington | $1,676 | 8.9% |
| Laurel | $1,684 | 9.4% |
| Seaford | $1,688 | 9.7% |
| Bridgeville | $1,697 | 10.3% |
| Magnolia | $1,707 | 10.9% |
| Lincoln | $1,707 | 10.9% |
| Felton | $1,717 | 11.5% |
| Camden Wyoming | $1,725 | 12.1% |
| Clayton | $1,755 | 14.0% |
| Dover | $1,773 | 15.2% |
| Smyrna | $1,806 | 17.3% |
| Townsend | $1,865 | 21.1% |
| Middletown | $1,877 | 22.0% |
| Hockessin | $2,048 | 33.0% |
| Claymont | $2,207 | 43.4% |
| Wilmington | $2,279 | 48.1% |
| Newark | $2,357 | 53.1% |
| Bear | $2,378 | 54.5% |
| New Castle | $2,459 | 59.8% |
Factors That Affect Car Insurance Premiums in Delaware
Cheapest Car Insurance in Delaware
Although ripen drivers pay less for cable car policy than teens, older drivers start to see their rates go up as they enter their senior years. Comparing cable car insurance rates can save older drivers hundreds of dollars a year.
Read more: The Best Car Insurance Companies for 2022
7 Tips for How to Get Cheap Car Insurance in Delaware
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Delaware, regional insurers like Erie Insurance and The Hartford might have lower rates than national companies like Geico and State Farm.
2. Search for discounts
Top car insurance companies in Delaware have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
3. Know the factors affecting insurance in Delaware
Everyone knows that your driving habits and
4. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
5. Choose the coverage that is right for you
You need
6. Consider moving to a less expensive zip code
Car insurance prices can vary a lot based on zip code in Delaware. Drivers in the
7. Take a defensive driving course
In Delaware, drivers who complete a DMV-approved defensive driving course can get 10% off certain types of coverage for three years. What’s more, drivers who take a refresher course before the end of the three-year period can get a 15% discount.
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, $10,000 in property damage liability, as well as $15,000 in uninsured motorist coverage per person and $30,000 coverage per accident, as required by Delaware’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage, $15,000 of personal injury protection per person and $30,000 of personal injury per accident.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible, $15,000 of personal injury protection per person and $30,000 of personal injury per accident.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Delaware insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of bum car insurance companies in Delaware is based on data from the Delaware DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car indemnity companies for Delaware drivers in a solicitation of keystone categories. For each profile, WalletHub compared quotes among top Delaware car indemnity companies by averaging premiums from 31 nothing codes that represent at least 20 % of Delaware ‘s population. Military-specific companies like USAA were only considered for the military-specific class, due to their eligibility restrictions. In some cases, they may still be the best choice overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ sulfur analysis, in addition to the specific subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above postpone : Where driver profiles are not specified, WalletHub averaged Delaware insurance quotes across 40 unlike driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative alone. individual rates will be different.
Read more: The Best Car Insurance Companies for 2022
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