4.8out of 3,000+ reviews

Delaware Car Insurance for Bad Credit Drivers

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Jeanette Wisniewski

By: Jeanette Wisniewski

Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka

Updated March 9, 2022

Cheapest Companies for Drivers With Bad Credit in Delaware (2022)

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.

CarrierAvg. Monthly Cost 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.
American Family Insurance$240
Travelers$268
Dairyland Insurance$292
Liberty Mutual$319
Good2Go Auto Insurance$321

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

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

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.

Avg. Monthly Cost - for Drivers with Good Credit
$286
Avg. Monthly Cost - for Drivers with Bad Credit
$292
$6 ▴
2.10% ▴
Monthly Impact of Bad Credit on Rates
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 TierAvg. Monthly Cost 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.
Excellent$218
Good$243
Average$245
Poor$265

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

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 TierAvg. Monthly Cost 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.
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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. 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. See All Auto Insurance Companies

FAQs - Delaware Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Delaware. Insurify analyzed the latest data for the five most populous cities in Delaware to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Delaware and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Jeanette Wisniewski
Jeanette Wisniewski

Insurance Writer

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

Learn More