Cheap Auto Insurance for Lyft Drivers in Delaware

For Delaware drivers, one of the things that help set auto insurance rates is where you keep your car. Cities with more crime and/or more people like Wilmington, Edgemoor, and Brookside tend to have more expensive car insurance rates, whereas areas that tend to be more rural tend to receive cheaper rates.

The information below ranks the priciest cities in Delaware for Lyft drivers to buy car insurance in.

Rate information is estimated as the specific geographic location can revise rates significantly.

The car, truck, or SUV that needs insurance is probably the most important factor that determines if you can find cheap auto insurance for Lyft drivers in Delaware. Vehicles with high performance features, a lack of safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models.

The next list outlines insurance rates for a number of the most budget-friendly automobiles to insure in Delaware.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific garaging location which can raise or lower rates noticeably.

Looking at the numbers, you can expect cars like the Ford F-150, Volkswagen Jetta, Jeep Wrangler, Honda CR-V, and Chevrolet Equinox are most likely going to be a few of the most economical vehicles to insure for Lyft vehicles.

Trying to buy affordable car insurance is not always easy, and determining which companies offer the best car insurance rates for Lyft drivers involves more quotes for comparison.

Each auto insurer uses a different method to set policy rates, so we’ll take a look at the most budget-friendly car insurance companies in Delaware. It’s a good idea to be aware that Delaware car insurance rates are determined by lots of factors that will increase or decrease the price you pay. Things like having a birthday, buying a home, or getting into an accident can cause premium changes resulting in some companies being more expensive than others.

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USAA normally has some of the lowest car insurance rates in Delaware at around $840 annually. Travelers, Nationwide, Atlantic States, and California Casualty would also be considered some of the cheaper Delaware car insurance companies.

As the example above demonstrates, if you currently buy coverage from Travelers and switched to USAA, you might realize an annual premium reduction of approxmiately $222. Drivers with Nationwide might save as much as $440 a year, and Atlantic States customers might lower prices by up to $452 a year.

If you want to see how much you could save, click here or click several companies below for low rates.

These prices are averages for all types of insureds and vehicles and do not take into consideration a rate decrease for Lyft drivers. So the car insurance company that is most affordable for your situation may not even be shown in the list of companies shown earlier. That is why you need to compare prices as often as possible using your own personal information and vehicle type.

Impact of speeding/accidents on Delaware car insurance rates

The best way to get cheap auto insurance for Lyft drivers in Delaware is to be a careful driver and avoid traffic citations and accidents. The diagram below demonstrates how citations and fender-benders influence insurance prices for each different age category. The prices are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

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In the prior example, the average cost of car insurance per year with no accidents and a clean driving record is $1,907. Receive one speeding ticket and the average cost hikes up to $2,150, an increase of $243 each year. Then include one accident along with the one speeding ticket and the 12-month cost of car insurance for Lyft drivers jumps again to an average of $2,825. That’s an increase of $918, or $76 per month, just for being a less-than-perfect driver!