From the landscape to the accents, and to even the car insurance, each of America’s 50 states are unique. That’s why we took a deep dive into car insurance in Delaware, so that as a Delawarean, you know exactly what you need before hitting the road in The First State.
Keep reading to learn the average cost, specific laws, and money-saving tips for Delaware auto insurance policies.
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Don’t be silly. Driving without insurance is not only extremely dangerous, it’s also illegal. If you are caught driving without insurance in Delaware, you will be hit with the following legal penalties:
Also, your insurance provider will find out if you’re caught driving without insurance. This infraction will flag you as a high-risk driver, meaning you’ll pay more on your policy. And no one wants that to happen.
Not to mention the massive amount of expenses that will fall on you—and you alone—should you get into an accident without insurance coverage. That’s right: without insurance, you’re stuck footing the bill for your vehicle repairs and any damage to the other driver’s vehicle, let alone medical costs, legal fees, and more.
So let’s all do ourselves a favor and get the coverage we need. It’s easier than you might think!
It’s best to play it safe and carry at least the minimum coverage auto insurance in Delaware.
Every state has its own minimum coverage requirements for car insurance. These requirements are the bare minimum coverage that every driver is legally obligated to carry.
In Delaware, all drivers must carry at a minimum:
Carrying a bare-bones minimum coverage policy will give you the cheapest car insurance in Delaware. While minimum coverage is very inexpensive, insurance experts encourage you to purchase more coverage if possible. This is because the minimum coverage requirements still leave drivers vulnerable in the event of large accidents, theft, vandalism, and more.
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We’ve talked about different coverage options for different budgets, and now it’s time to get specific about how much car insurance costs in The First State.
Before we provide you with a number, we first want to caution you that the cost of car insurance varies greatly. The price of your policy will depend on:
That said, the overall average cost of a full-coverage car insurance policy in Delaware is $2,103 per year. On the other hand, a minimum coverage policy costs $801 per year on average.
You can use these average numbers as a baseline to compare your Delaware car insurance quotes against. They can help you determine whether or not you have found a good deal, but keep in mind your personal details can help sway those numbers lower or higher (especially if you have a history of claims or driving infractions).
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We are sad to report that the automobile insurance rates in Delaware are more expensive than in neighboring states.
In fact, Delaware actually has some of the highest car insurance costs in the country. The national average costs are $622 per year for minimum coverage and $2,014 per year for full coverage. Both of these rates are significantly less than Delaware’s averages.
A big reason for the higher prices in The First State is its dense population. This very small state has nearly a million licensed drivers on the road, which dramatically increases the risk of accidents. This inflated risk translates to a larger cost to drivers.
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Everyone has their own unique set of circumstances when it comes to car insurance. Maybe you’re about to have teenage drivers in the family, or maybe you have some blemishes on your driving record.
Whatever your circumstances, the best automobile insurance policy in Delaware is the one that is right for you and your budget. Your best bet is to shop around for quotes, compare coverage, and ask questions before landing on a policy that suits you best.
We’re ready for you. Click here to access free car insurance quotes fast, and you’ll be on the road to saving big on your auto insurance.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
