Best Cheap Car Insurance Companies for High-Risk Drivers in Delaware

If you have a poor driving history, your auto insurance premium will reflect that. The only way to ensure that you get the best rate is to shop around and compare quotes from different auto insurers.

When MoneyGeek compared insurance companies in Delaware, State Farm stood out as the best and most affordable because of its excellent combination of low rates and quality customer service. Its high-risk driver policy costs around $1,392 per year. However, your actual rate may vary depending on your insurance needs and driving profile.

High-risk drivers often have a history of driving violations or a DUI conviction. Typically, insurance companies consider inexperienced drivers, such as new and young drivers, as high-risk, too, and may also consider those with poor credit as riskier to insure.

In Delaware, auto insurance for high-risk drivers costs more than for clean-record drivers. High-risk drivers should expect to pay around 26% more than safe drivers for the same policy.

In order to determine which insurance company in Delaware has the best rate, MoneyGeek compared many companies. State Farm, with a yearly average cost of $1,392, is the most budget-friendly option for high-risk car insurance.

MoneyGeek conducted an in-depth analysis of State Farm auto insurance, examining its pros, cons, pricing and quality of service.

State Farm tops the list of Delaware's high-risk driver insurance providers. The company received a MoneyGeek score of 94 out of 100. MoneyGeek conducted a comprehensive study of State Farm, including its policy options, rates and customer service.

With a MoneyGeek rating of 80 out of 100, Travelers ranks as Delaware's second-best insurer for high-risk drivers. Costs, service quality, complaint rates and discounts were among the many factors that MoneyGeek considered while reviewing Travelers.

According to MoneyGeek's research, State Farm has the most affordable Delaware auto insurance rate for drivers with a DUI conviction at around $1,351 per year. Read our State Farm review to get more information about the company's policies, savings opportunities and customer support.

USAA is a low-cost alternative for high-risk auto insurance in the state for active and former military personnel with a DUI.

State Farm offers the most affordable policy for young drivers in Delaware at around $4,457 annually, according to MoneyGeek's data.

Due to their lack of experience behind the wheel, insurance companies see teenage drivers as a high risk. Check out MoneyGeek's State Farm review to learn more about the company's car insurance offerings.

For drivers in Delaware with low credit scores, Nationwide offers the most affordable vehicle insurance at around $1,960 per year. MoneyGeek’s Nationwide auto insurance review compares and contrasts the company's benefits and drawbacks, as well as its pricing and service quality.

A driver's profile and history are considered by insurance companies when determining rates. Because of this, high-risk drivers are often charged more.

In Delaware, individuals with a poor driving history pay approximately $1,963 for the same policy a driver with a clean record pays around $1,434 per year. That’s over $500 more.

Delaware drivers may use MoneyGeek's auto insurance calculator to estimate their premium by entering information about themselves and their car, such as age, driving history, vehicle type and coverage preferences. Using MoneyGeek's car insurance calculator, you can determine which factors significantly affect your premium.

In Delaware, auto insurance is required, and all drivers must carry the state minimum liability insurance. Since insurance is a voluntary market, car insurers may refuse to insure you if they believe you are too risky.

If this happens, your best option is to contact the Automobile Insurance Plan Service Office (AIPSO) and request a residual market plan. For the past 48 years, high-risk drivers have relied on AIPSO, a nationwide non-profit organization, to provide services in the auto insurance residual market.

The Delaware Automobile Insurance Plan (DAIP) was founded by legislation to help persons who can't get insurance in the voluntary market. The DAIP guarantees that applications are split evenly among all vehicle insurers licensed in Delaware.

Consumers with a valid Delaware driver's license and a Delaware-registered car are eligible.

Insurance might be difficult to get for high-risk drivers. MoneyGeek provides guidance by addressing frequently asked questions about high-risk auto insurance in Delaware.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.