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Delaware Car Insurance for High Risk Drivers (With Quotes)

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Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Insurance Companies for High Risk Drivers in Delaware (2022)

For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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 high-risk drivers in Delaware.

What Makes a Driver High-Risk in Delaware?

High-risk drivers are people the insurance companies believe are more likely to file insurance claims than average drivers. You can fall on this list by no fault of your own, or it could result from certain actions. What exactly makes someone high-risk?

You're high-risk if you're a first-time driver, teenage driver, or driver age 65 or older. Those with poor credit or no credit are high-risk, too. You're also in the club for the following blunders: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. No matter what got you there, you can still find a deal in Delaware.

Delaware Car Insurance Rates for High-Risk Drivers

No Violation
$284
Speeding Ticket
$296
At-Fault Accident
$321
Failure to Stop
$356
Reckless Driving
$370

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Delaware?

Blame it on the fender bender, hard-to-see stop sign, or missed alarm clock that caused a speeding ticket. It's not like you tried to become a high-risk driver. It just happened. Whatever the reason, does it mean paying more forever?

Luckily, most insurance companies in Delaware only look back three years when checking your driving history. In the meantime, compare quotes and coverages, avoid tickets and accidents, and shop around every six months to save money. Here are the rates after different high-risk incidents:

Driving HistoryAvg. Monthly Cost
No Violation$284
Speeding Ticket$296
At-Fault Accident$321
Reckless Driving$370
Failure to Stop$356

How Much Does a Speeding Ticket Impact Car Insurance Rates in Delaware?

You're running late, and your foot seems a little heavier than expected on the gas pedal. Before you know it, there's flashing blue and red in your rearview mirror. A speeding ticket will pump your rate up by $12 a month, or $144 per year. Here's a breakdown of the changes:

No Violation - Avg. Monthly Rate
$284
Speeding ticket - Avg. Monthly Rate
$296
$12 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Delaware?

Maybe it was the smartphone that prompted you to look away from the road. A quick moment can change your life and kick your rate up by over $35 per month, or $420 per year. Take a glance at how that accident alters the premium for Delawareans.

No Violation - Avg. Monthly Rate
$284
Speeding ticket - Avg. Monthly Rate
$321
$37 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Delaware?

Perhaps a tree blocked the stop sign, and after a quick yield, you drove right past it. A sneaky cop was waiting to give you a ticket and rocket your rate up by over $70 per month, or $840 per year. Check out what a difference a failure-to-stop violation makes on average:

No Violation - Avg. Monthly Rate
$284
Speeding ticket - Avg. Monthly Rate
$356
$72 ▴
Avg. Monthly Rate Increase

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Does Driving With a Suspended License Impact Car Insurance Rates in Delaware?

High-risk drivers are people the insurance companies believe are more likely to file insurance claims than average drivers. You can fall on this list by no fault of your own, or it could result from certain actions. What exactly makes someone high-risk?

You're high-risk if you're a first-time driver, teenage driver, or driver age 65 or older. Those with poor credit or no credit are high-risk, too. You're also in the club for the following blunders: driving with a suspended license, DUI/DWI, lapses in coverage, multiple at-fault accidents, reckless driving, and speeding. No matter what got you there, you can still find a deal in Delaware.

Tips for Researching High-Risk Delaware Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Delaware draws a wide variety of choices when factoring high-risk driving insurance rates.
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

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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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

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