UPDATED: JULY 06, 2023 | 2 MIN READ
Being a high-risk driver in Delaware can make it difficult to get car insurance. It can also make it expensive as insurance companies view you as high-risk. The type of driving offense you’ve committed will likely influence the coverage options and auto insurance rates you’ll get offered. However, all is not lost. Read on to find out how to get motorist coverage in the state so you can carry out your daily tasks.
Best car insurance companies for high-risk drivers in Delaware
The type of driving offense greatly impacts the car insurance rates offered by insurance companies to high-risk drivers. Driving under the influence (DUI) and speeding are among the worst offenses. Other offenses include distracted driving. However, you can still get a policy to meet your insurance requirements. There are a number of auto insurance companies willing to help out drivers.
Best car insurance companies for motorists with a bad driving record
Two companies were rated highly for Delaware drivers with a bad driving records. Travelers scored highest, with State Farm coming a close second.
Cheapest auto insurance with a speeding ticket
Delaware drivers with a speed ticket can expect to get the cheapest rate of insurance coverage with USAA. Their annual plan is $850. GEICO’s plan is $1,428, while expect to pay a lot more with State Farm, which costs $2,131, and Progressive, which costs $2,411.
Cheapest car insurance for an at-fault driving offense
GEICO, State Farm, and Nationwide offer the best coverage for an at-fault driving offense. They cost $1,755, $2,775, and $2,733, respectively.
Cheapest car insurance coverage for a distracted driving offense
USAA offers the cheapest auto insurance for drivers with a distracted driving offense. Their annual plan $779. However, this is only for drivers who are military members. Delaware auto insurance for high-risk drivers costs $1,080, with GEICO for annual coverage.
Is it easy to get full coverage car insurance in Delaware for high-risk drivers?
Expect to pay more for your auto insurance than someone with a clean driving record. You may have a higher chance of offending again, so getting full coverage car insurance can also be difficult because you’re viewed as high-risk. By looking around, you’ll be able to find the best possible price for car insurance rates based on the driving offense you have on your driving record. Adding extra coverage or deductibles can help.
Best car insurance company for accident coverage discounts
Travelers is considered one of the best for accident coverage discounts. They provide roadside assistance, a rental car, and accident forgiveness cover if it’s your first-at-fault offense.
What coverages should I add to my insurance policy?
If you’re a high-risk driver, you may want to add some extra coverage options to your insurance. Check with your insurance carrier on the types of assistance you’re covered for in the case of an accident. These are the available ones:
- Roadside Assistance: This is the help you can get if your car breaks down on the road.
- Rental Reimbursement: Any transportation costs for your damaged car and a rental are covered under this.
- Accident Forgiveness: This stops your car insurance premiums from increasing. This applies to your first at-fault accident.
- New Car Replacement: Your insurance policy covers the cost of a replacement car. It’s often in the same make and model.
- Gap Insurance: This applies to Delaware drivers whose car is financed or leased. Your insurance policy pays the difference between the value of the car and the balance left on the loan you’re paying on the vehicle.
The average cost of a high-risk policy in Delaware
This depends on the offense. For example, insurance costs go up by $453 if you have a speeding ticket. The average rate you can expect to pay for a car insurance premium for a year-long policy is $2,153. Several factors can influence the average auto insurance rates.
Motor insurance laws in Delaware
Delaware law states that all drivers must have a minimum level of car insurance coverage of $25,000/$50,000/$10,000. Delaware drivers must have a Personal Injury Protection level of a minimum of $15,000 for any one person and $30,000 for all persons injured in the accident.
How much could my insurance go by after an accident?
The national average for car insurance before an accident is $1,771. After an accident in which you’re at fault, it’s likely to increase to $2,521, which is an increase of over $700.
What happens to my insurance after an accident in Delaware?
It can take insurance companies in the state up to 45 days to acknowledge a claim and decide how to deal with it. The state law mandates that claimants must make a final payment, however, there is no set timeframe for doing so. But they must do it promptly. The authorities also cite your driver’s license.
How long does an offense stay on my driving record?
Insurance companies check the past three years of your driving record. A speeding offense stays on your record for two years in Delaware. A DUI offense stays on your record for five years. An at-fault accident can say on your record for three years.
What is the best car insurance company for high-risk drivers In Delaware?
USAA and GEICO are the best car insurance companies for high-risk drivers in the state.
What do Delaware insurance companies consider high risk?
There are a number of common risk factors that insurance carriers look at. Insurance agents in Delaware consider speeding, poor credit, teen drivers, uninsured, distracted driving, reckless driving, and at-fault accidents high risk.
What are the rates for car insurance in Delaware for high-risk drivers?
The rates for a coverage policy vary depending on the offense. Here are the average prices of three of the top offenses:
What is the cheapest car insurance company in Delaware for high-risk drivers?
GEICO is among the cheapest car insurance company for risky drivers in the state.
Why is it difficult for high-risk drivers to find affordable car insurance in Delaware?
Delaware’s mandates around motor vehicle insurance make it difficult for drivers to find affordable coverage.
What is the average cost of car insurance for high-risk drivers in Delaware?
The average rate of comprehensive coverage after an at-fault crash is $2,417.
Find insurance for high-risk drivers in Delaware
Being a high-risk driver in Delaware can make it difficult to get an affordable coverage policy. For example, a DUI offense can stay on your driving record for five years. This makes it important to shop around at different insurance companies so you can gather your best options. Get assistance by using our helpful guide to the best second-chance auto insurance companies.