This page features the most recent available data pertaining to car insurance rates in the state of Delaware. Although not every state requires insurance for motor vehicles, Delaware drivers know that car insurance is not an option, but a necessity. Read on to find the Delaware car insurance plan that’s right for you.

Minimum Coverage Requirements for Auto Insurance in Delaware

Most states have laws that mandate a minimum coverage for vehicle owners. The minimum required auto insurance coverage in the state of Delaware is 15/30/10. This means that Delaware drivers are expected to purchase at least $15,000 in coverage for personal injury, $30,000 in coverage for the expenses of other people involved in the accident, and $10,000 worth of coverage for property damage. However, even these amounts are often insufficient funds to cover the actual cost of an accident.

Penalties for Driving Without Insurance in Delaware

According to Delaware law, failure to maintain your auto insurance coverage results in a fine of $1,500 to $2,000 for a first offense. Subsequent offenses carry fines of at least $3,000, and a suspended license for a period of six-months.

Auto Insurance Rates in Delaware

The average annual premium for auto insurance in the state of Delaware was about $1,607 in 2016, according to stats recently posted online. This is high, compared to the national average for car insurance premiums at that time, which was about $1,347 per year. Analysts at Top50Strates.com point out that Delaware has a denser population than most U.S. states. This could account for the higher-than-average annual premiums on auto insurance in Delaware.

Calculations of annual car insurance premiums are impacted by variables like local climate, topography, economic conditions, crime rates, availability of insurance carriers and population density, to name just a few of the factors involved. Other causes that may influence annual premiums are the driver’s age, gender, driving record and car model, among other things.

Low Cost Car Insurance Programs in Delaware

The vast majority of car insurance carriers in most U.S. states offer discounts as incentives to drive safely. For instance, the Defensive Driving Course Discount is generally available to drivers 55 and older who have successfully completed a Motor Vehicle Accident Prevention Course approved by the Department of Public Safety. The Accident-Free Discount is available to drivers who avoid accidents for three years. The Good Student Discount is offered to full time students with strong academic performance. The Multiple Auto Discount is offered to owners of more than one vehicle. The Multiple Line Discount is offered for the purchase of multiple insurance policies with the same company. The Passive Restraint Discount applies to vehicles equipped with special safety features like factory-installed air bags. When researching Delaware car insurance, be sure to compare available discounts.

Obtaining Auto Insurance Quotes in Delaware

According to 2017 customer comparisons, the five most highly regarded auto insurance providers in Delaware are Allstate, The Hartford, State Farm and 21st Century, in that order. Other insurance carriers popular in Delaware are Liberty Mutual and Travelers Insurance, among others.

No matter what your circumstances, your Delaware auto insurance agent can help you work out a plan that suits your individual needs. Agents provide competitive quotes on auto insurance.  Still, you must compare quotes to find the cheapest rate. Call your local insurance office for real-time rates and more information.