Delaware Car Insurance Calculator: Estimate Your Car Insurance Costs

Before buying a policy, it’s best to have an idea of how much car insurance costs. MoneyGeek’s car insurance calculator will help you get a ballpark figure for the cost of coverage in Delaware. We also analyzed how car insurance premiums are calculated in the state so you can understand the factors that have a significant impact on the cost of a policy.

MoneyGeek found that insurance companies in Delaware ask a variety of personal questions before providing you with a finalized quote estimate. The whole process usually takes around 10–15 minutes. You can use the MoneyGeek Delaware car insurance calculator to get an estimate of your monthly or yearly car insurance costs based on your age, driving record, vehicle type and coverage levels.

MoneyGeek’s research shows that adding a teen driver to a policy, credit scores and the age of the driver have the most impact on your car insurance rates. However, the most significant factor for you may be different depending on your profile.

In Delaware, the most affordable company for you may depend on various factors. You can use our calculator to get a rough estimate. MoneyGeek’s calculator shows that State Farm offers the cheapest widely available policy for our sample driver at an average annual cost of $784.

MoneyGeek’s research shows that insurance companies in Delaware consider various factors while determining the cost of your car insurance policy. We found that adding a teen driver to a policy, credit scores and the age of the driver have the most effect on car insurance rates.

If you add a teen driver to your policy, you would have to pay about 2.7x more for car insurance in Delaware.

Insurance companies in Delaware usually consider teen drivers high-risk individuals because they are more likely to get into an accident. Hence, they charge you much more if you add a teen driver to your policy. MoneyGeek found out that adding a teen driver to a policy can multiply your insurance rates by around 2.7x.

Younger drivers have less experience on the road than older adults and they are also more likely to engage in risky behavior and cause accidents. Therefore, insurance companies in Delaware charge them higher rates for car insurance.

MoneyGeek’s research shows that being a young driver can multiply your car insurance rates by about 2.2x.

In Delaware, the cost of a policy also depends on how much coverage you buy. If you buy a full coverage policy that includes various additional coverages, you would have to pay higher rates. MoneyGeek found that having a full coverage policy with additional coverages can multiply your car insurance costs by around 2x in Delaware.

In Delaware, your credit score also plays an important role in determining your car insurance rates. Since individuals with a low credit score are more likely to file a claim, they are given expensive car insurance quotes by Delaware insurance companies.

If you have a low credit score, insurance companies in Delaware will charge you roughly 2.3x more for a car insurance policy.

Certain car models have a higher chance of getting into an accident, being stolen or having high repair costs. That’s why insurance companies charge higher rates to insure them.

If you own a car model that’s considered riskier to insure by insurance companies, you can expect to pay around 2x more for a car insurance policy in Delaware.

MoneyGeek researched the answers to some frequently asked questions for drivers who are wondering how to calculate insurance premiums in Delaware.

MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Delaware. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.