Delaware Auto Insurance

Delaware General Auto Insurance

Under Delaware law, insurance companies may exclude a driver in your household from inclusion on your auto insurance policy.  In fact, the auto insurance company may make this request for persons with a poor driving history which pose a higher risk.  A college student who lives away from home and does not have access to a vehicle may be excluded.  If a driver is excluded from the policy, they have no liability coverage but you still have the liability exposure if they drive one of your vehicles and get in an accident. All exclusions must be either stated in the policy or on an endorsement.

The state of Delaware allows insurance companies to check you credit history when they set your premiums and determine whether they will insure you.  The company may ask you to explain any bankruptcies, judgments, or credit problems.  The insurance company will also use other criteria such as your driving record, age, type of vehicle you drive and the area where you live to determine your premium rates.

Delaware is a tort state which means you can be personally sued for injuries, deaths, and damages beyond the amounts your insurance policy covers.  Insurance premiums in Delaware average about $1024.00.  Delaware has the 8th most expensive auto insurance premiums in the nation as of 2006.  The lowest premiums available in Delaware are for the minimum mandatory coverage and most often are given to the single young female driver.  On the other hand, a retired couple driving 6,900 miles per year on each vehicle generally has the most expensive premium rates.  The lowest rate over all is$414.00 given to the young single male by National General Assurance Company.  The highest rate comes from the American Independent Insurance Company for the elderly married couple in the amount of $7,272.00.  These numbers exclude the premiums offered only to military personnel.  There are 59 major insurance companies which have met the qualifications to sell auto insurance in the state of Delaware. 

Below you will find a table comparing the annual premium estimates in the Delaware for an older married couple who drive a 2000 Honda Accord DX, and a Dodge Caravan SE, a single male driving a 2006 Chevrolet Trailblazer, a single female driving a 2000 Honda DX, and a young married couple driving a 2000 Honda DX and a 2005 Dodge Caravan SXT.  In all circumstances, the individuals carry the minimum required insurance of $15,000.00 per person injury, $30,000.00 for all injuries, $10,000.00 of property damage and $15,000.00/$30,000.00 PIP coverage. 

Marital Status     Married   Single       Single Married
Age     M 67 F 65   Male 25       Female 25     M 29 F 27
Speeding Tickets     1     1       1         0 1       0
Miles Driven     6,900 each         12,000       12,000 15,000/12,000
Insurance Co.
AAA Mid- Atlantic
Ins. Co.   1144.00             762.00       762.00 762.00
AIG Centennial
Insurance Company   849.00             1232.00       1246.00 999.00
Allstate Indemnity Co.  5540.00             1586.00       1594.00 2089.00
Allstate Property &
Casualty Ins. Co.   1649.00             868.00       846.00 2179.00
American Independent
Insurance Company   7272.00             2124.00         2335.00 3765.00
American Insurance Co. 1910.00             779.00       724.00 1280.00
Amica Mutual Ins. Co.  1460.00             868.00       868.00 1471.00
Atlantic States Ins. Co.  1905.00             672.00       622.00 1180.00
California Casualty
Indemnity Exchange   2259.00           943.00     943.00 1431.00
Dairyland Insurance Co. 4191.00           2821.00       3037.00 3923.00
Donegal Mutual Ins. Co.1905.00           672.00     622.00 1180.00
Electric Insurance Co.  1492.00           523.00     523.00 814.00
Encompass Insurance
Co. of America   2080.00           975.00     963.00 1305.00
Farm Family Casualty
Insurance Company   2258.00           1014.00         1014.00 1617.00
Federal Insurance Co.   2439.00           921.00     921.00 1246.00
First Liberty Ins. Co.   1511.00           750.00     750.00 933.00
Geico Casualty Co.   1904.00           1739.00       1615.00 1960.00
Geico General Ins. Co.  688.00           895.00     855.00 1109.00
Geico Indemnity Co.   1312.00           1283.00       1302.00 1566.00
Goodville Mutual
Casualty Company   2366.00           1018.00       1018.00 1608.00
Government Employees
Insurance Company   688.00           895.00     855.00           1109.00
Great Northern Ins. Co. 2439.00           921.00     921.00           1246.00
Harleysville Preferred
Insurance Company   1579.00           1169.00     1169.00 2289.00
Horace Mann Ins. Co.   4100.00           1974.00     1974.00 2927.00
Horace Mann Property
& Casualty Ins. Co.   2122.00           855.00     838.00           1366.00
IDS Property Casualty
Insurance Company   1518.00           738.00     738.00 1044.00
Keystone insurance Co.3144.00           2110.00     2110.00 2814.00
Liberty Insurance Corp.  2738.00         1428.00     1428.00 2069.00

Liberty Mutual Fire
Insurance Company   828.00         1114.00       834.00 1036.00
Meraster Insurance Co. 2250.00         1922.00       1922.00 2712.00
Metropolitan Casualty
Insurance Company   1350.00         586.00       586.00 886.00
Metropolitan Group
Prop. & Cas. Ins. Co.   2070.00         1080.00       1080.00 1500.00
Metropolitan Property
& Casualty Ins. Co. 1484.00         636.00       636.00 960.00
National General
Assurance Company 2813.00         415.00       441.00 905.00
Nationwide Mutual
Insurance Company 1160.00         906.00       863.00 1298.00
Nationwide Property
& Casualty Ins. Co. 1405.00         1111.00       1058.00 1570.00
New Hampshire Ins. Co.1147.00         914.00       914.00 1397.00
NGM Insurance Co.   2378.00         929.00       929.00 1384.00
Omni Insurance Co. 5250.00         2072.00       2222.00 2930.00
Pacific Indemnity Co.   2439.00         921.00       921.00 246.00
Peak Property & Casualty Co.—- —      — 2388.00  
Peninsula Ins. Co.       1976.00       2096.00 2630.00
Progressive Direct
Insurance Company   2358.00       1930.00       1980.00 2712.00
Progressive Northern
Insurance Company 22/88.00       1668.00       1882.00 2493.00
Property & Casualty
Ins. Co. of Hartford 949.00
Response Insurance Co.1442.00       787.00       787.00 1130.00
Response Worldwide
Insurance Company 1442.00       787.00       787.00 1130.00
Selective Insurance
Company of America 2077.00       793.00       734.00 1325.00
State Farm Fire &
Casualty Company 784.00       1169.00       987.00 1437.00
State Farm Mutual
Auto Insurance Co. 706.00       899.00       759.00 1250.00
Teachers Insurance Co.3357.00       1596.00       1596.00   2367.00
Titan Indemnity Co. 4504.00       1644.00       1660.00   2434.00
Travelers Home &
Marine Insurance Co. 3608.00       2008.00       2149.00   2548.00
USAA Casualty Ins
Co. [Military only] 826.00           614.00       560.00   826.00
USAA General
Indemnity Company 2841.00       811.00       811.00   1269.00
USAA [Military only] 664.00       489.00       446.00   664.00
Vigilant Insurance Co. 2439.00       921.00       921.00   1246.00
Westfield Insurance Co.1460.00       1470.00       1470.00   1909.00

Some things you can do to reduce your premiums are to maintain a clean driving record, and drive a vehicle with a good safety rating.  If you have a teenage driver, it may be less expensive to include them on the family policy.  Stress with them the importance of maintaining good grades and a clean driving record as these will help to defray the cost of premiums.  Delaware also gives discounts for anyone who has taken and passed a driving safety course.