Cheap Car Insurance for Bad Credit Drivers in Delaware:
Costs and Quotes (2021)

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Cheapest Companies for Drivers With Bad Credit in Delaware (2021)

For drivers with bad credit in Delaware, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Delaware. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Delaware.

Bad Credit Car Insurance in Delaware

Though the state is keen on animals down on their luck (the state dog of Delaware is the rescue dog), you'll have to save yourself if you've racked up bad credit and are worried about the resulting high car insurance rates.

It may be comforting to know that state laws are in place to govern the use of your credit scores. In Delaware, they can be used when determining rates for initial policies but cannot be used for policy renewals unless you request it.

Delaware Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$218
$243
$245
$265
ExcellentGoodAveragePoor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Delaware?

The difference between drivers with good and bad credit in Delaware is significantly small compared to other states. Still, your credit isn't the only thing determining your rates. If you can shave $6 off while finding other ways to lower your rates (think discounts), in total you could be saving serious money.

$286
$292
Avg. Monthly Cost - for Drivers with Good CreditAvg. Monthly Cost - for Drivers with Bad Credit
$6 ▴Monthly Impact of Bad Credit on Rates
2.10% ▴Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Delaware?

While drivers in Delaware lean into their "liberty and independence," there's no getting around credit checks for car insurance in this state—at least not easily. Though some high-risk, smaller carriers may serve motorists without considering credit scores, the rates are pretty high anyway. The best thing to do if you have bad credit and want your rates to improve is to work on paying your bills on time and getting your outstanding debt under control.

Delaware Car Insurance Rates by Credit Tier

Each credit tier you achieve in this state means additional monthly savings on your car insurance premiums. While drivers with poor credit pay an average of $265 a month for insurance, they can save $20 by upgrading themselves to an average credit score.

Credit Tier
Excellent$218
Good$243
Average$245
Poor$265

Car Insurance Rates With Bad Credit in Delaware Cities

Though only 26 minutes away, Wilmington turns out to be a more expensive city than Newark to drive in with bad credit. Insurance rates differ by geography (down to the ZIP code). Because Newark is named Delaware's safest city, the difference makes sense.

CityCredit Tier
NewarkPoor$307
WilmingtonPoor$327

Tips for Researching Bad Credit Delaware Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Delaware draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

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Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

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Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.