Cheap Car Insurance for High-Risk Drivers in Delaware:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in Delaware (2021)

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
Average Monthly Cost
$284
$296
$321
$370
$356
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

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 History
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:

$284
$296
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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.

$284
$321
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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:

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

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.

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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.