How Much Does Auto Insurance Cost for Young Drivers in Delaware?

For youthful drivers, one of the big things that help set rate quotes is your zip code in Delaware. Areas that are more densely populated like Wilmington, Wilmington Manor, and Middletown are more likely to have higher rates, whereas areas with less congestion can boast about having cheaper rates.

The table below sorts the priciest cities in Delaware for young drivers to buy an auto insurance policy in.

Prices are estimated as the specific geographic location can modify premiums significantly.

The type of vehicle driven is probably the most important factor that determines the availablility of cheap insurance for young drivers. Vehicles with high performance features, a lack of modern safety features, or a high likelihood of having liability claims will cost more to insure than safer models.

The list below showcases car insurance rates for a selection of the most cost-effective automobiles to buy insurance for.

Data rating is based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in garaging location in Delaware which can change coverage prices greatly.

Based upon the table data, we can expect vehicles like the Honda Accord, Hyundai Elantra, Honda CR-V, and Ford Escape are some of the more affordable vehicles to insure for youthful drivers. The price for an auto insurance policy will tend to be more expensive anyway because there is more claim exposure for young drivers, but generally speaking those makes and models will most likely have the least expensive rates compared to other vehicles.

Discounts on cheap car insurance for young drivers in Delaware

Insurers that offer quotes for young drivers may also give you special discounts that could reduce prices by 25% or more if you meet eligibility requirements. A few popular companies and some of their more popular discounts are included below.

• Progressive includes discounts for homeowner, good student, multi-vehicle, multi-policy, continuous coverage, and online signing.
• GEICO may include discounts for five-year accident-free, daytime running lights, membership and employees, emergency military deployment, seat belt use, military active duty, and defensive driver.
• State Farm may have discounts that include Drive Safe & Save, student away at school, driver’s education, multiple policy, and passive restraint.
• Esurance offers premium reductions for renters, Pac-12 alumni, online shopper, anti-theft, and multi-policy.
• The Hartford has savings for vehicle fuel type, driver training, good student, anti-theft, defensive driver, and air bag.

The example below shows the difference between annual premium costs with and without discounts applied to the policy rates. The costs are based on a female driver, no tickets, no at-fault accidents, Delaware state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, passive restraint, paperless filing, continuous coverage, vehicle safety, and paid-in-full discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for young drivers is 28% or $589.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 16’, 4365,3113],[‘Age 30’, 1629,1183],[‘Age 40’, 1527,1103],[‘Age 50’, 1335,969],[‘Age 60’, 1297,937]]);var options = {title: ‘Insurance Premium Comparison for Young Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Delaware’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Illustration showing the impact of accidents and violations

A great way to maintain good insurance premiums for youthful drivers is to be a careful driver and avoid accidents and traffic citations. The diagram below illustrates how traffic citations and at-fault fender-benders can drive up yearly insurance costs for different categories of driver ages. The rates are based on a single female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 3275,3571,6049],[‘Age 30’, 2277,2575,5051],[‘Age 40’, 2109,2407,4885],[‘Age 50’, 1847,2143,4619],[‘Age 60’, 1785,2079,4557],[‘Age 70’, 2069,2365,4843]]);var options = {title: ‘Impact of Tickets and Accidents on Delaware Car Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Delaware’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of auto insurance per year with no accidents or violations is $2,227. Get written up for one speeding ticket and the average cost increases to $2,523, an increase of $296 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of insurance for young drivers jumps again to an average of $5,001. That’s an increase of $2,774, or $231 per month, just for not driving safely!

How to get cheap car insurance for young drivers in Delaware

Lowering your rates is not difficult, and here are many thrifty suggestions that can help Delaware drivers locate cheap coverage.

• Try to not file small claims
• Buy a safer vehicle
• Good credit scores may lower your rates
• Avoid having at-fault accidents
• Violations and traffic tickets increase rates
• Compare prices as often as possible

The last tip in the list is incredibly important, as we discussed in the prior information. Car insurance prices vary considerably, so you should be ready to buy a policy from a new company if a better rate can be found.

Having a favorite company is great, but it’s not recommended if that dedication is costing lots of money. In just a couple of minutes you could shop around to find cheaper insurance for young drivers.