Best Cheap Auto Insurance Quotes for Drivers Under 21 in Delaware

This would be a much quicker read if we could simply tell you the company that has the lowest rates in Delaware. It’s just not that easy, however, as there are a ton of unknown aspects like the annual mileage you drive, your date of birth, the area you live in, and if you own your home, that all impact the cost of your policy. We know insurance is not everyone’s favorite topic, but in this article we will cover the types of things that cause high car insurance rates and will hopefully give you a good start in finding the cheapest insurance.

The vehicle you are insuring is probably the most important factor when consumers are trying to find the lowest-priced insurance for drivers under 21. Vehicles with lots of speed or power, a lack of safety features, or high incidents of liability claims will cost more to insure than more economical and safe models. The next lists illustrates coverage rates for a handful of the most cost-effective vehicles to buy coverage for.

Data based on single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in specific zip code location which can raise or lower price quotes substantially.

Prices above based on single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific zip code location which can modify rates considerably.

Data rating is based on single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in your specific Delaware location which can change prices considerably.

Finding cost effective auto insurance is tough enough, and deciding which company quotes the cheapest auto insurance rates for drivers under 21 will involve a bit more work. Coverage prices may be much greater than the average rate in Delaware because of the additional risk associated with selling insurance for minors, but reasonable insurance may be available if you are thorough.

Every insurance company uses different criteria for setting rates, so let’s take a look at the overall cheapest auto insurance companies in Delaware. It’s a good idea to be aware that Delaware auto insurance rates are calculated based on many things which can significantly increase or decrease your annual premium. That is why it is crucial to do a thorough rate comparison to get the cheapest insurance rates for drivers under 21. Auto insurance prices are impacted by many things and change substantially, so the best price six months ago may now be wasting a lot of money.

Best Auto Insurance Prices for Minors

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USAA normally has some of the most affordable car insurance rates in Delaware at around $866 a year. Travelers, Atlantic States, Nationwide, and Titan would also be considered some of the cheaper Delaware car insurance companies.

As shown above, if you currently have coverage with Atlantic States and switched to USAA, you could earn annual savings of approxmiately $413. Customers with Nationwide may save as much as $414 a year, and Titan insureds might reduce rates by $465 a year.

It’s important to note that these prices are averages across all types of drivers and the different vehicles they drive and do not factor in a price increase for drivers under 21. So the car insurance company that can offer the best rates for your situation may not even be included in the chart above. That emphasizes why you need to get quotes using your own individual information.

Impact of speeding/accidents on Delaware auto insurance rates

The best way to enjoy the best cheap car insurance for drivers under 21 in Delaware is to drive attentively and avoid getting tickets or having accidents. The chart below demonstrates how speeding tickets and at-fault accidents can influence premium costs for each age group. The costs are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

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The data in the chart shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,757. Add in two speeding tickets and the average cost surges to $2,487, an increase of $730 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for drivers under 21 increases to an average of $5,521. That’s an increase of $3,763, or $314 per month, just for being a less-than-perfect driver!

Company comparison: Geico vs Progressive vs Allstate vs State Farm

When it comes to car insurance for minors in Delaware, some of the largest companies to start with are Geico, Progressive, Allstate, and State Farm. Combined they insure over 45% of all policies written in the United States. The next table shows ratings for price, service, and claims, in additional to some of the optional coverages that you can purchase from each one.