Who Has the Cheapest Car Insurance for Drivers Requiring a SR22 in Delaware?

For high risk drivers, one of the big factors that is looked at to determine the policy price is your address in Delaware. Areas with more people or even just a higher incidence of claims like Wilmington, Brookside, and New Castle will most likely pay more, whereas areas with less congestion have the benefit of the cheapest auto insurance for drivers requiring a SR22 in Delaware.

The next table lists the more expensive cities in Delaware for drivers requiring a SR22 to purchase car insurance in.

Rates are comparative as the specific zip code location can alter coverage prices greatly.

Determining which insurers offer the cheapest auto insurance rates for drivers requiring a SR22 requires a little more work in order to find the best policy.

Every insurance company used slightly different criteria to establish rates, so let’s take a look at the lowest cost auto insurance companies in Delaware. It’s important that readers know that Delaware auto insurance rates are based on many factors which can substantially change the price you have to pay for coverage. Turning one year older, getting married, or getting a reckless driving citation can trigger rate changes that may make certain companies more affordable than before.

Best Cheap Insurance Rates for SR22 Drivers

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USAA normally has some of the lowest car insurance rates in Delaware at around $848 each year. Travelers, Nationwide, California Casualty, and Atlantic States also are some of the most economical Delaware insurance companies.

As the rates illustrate above, if you currently buy coverage from Travelers and switched to USAA, you might see a yearly savings of upwards of $236. Insureds with Nationwide might save as much as $432 a year, and California Casualty policyholders might realize rate reductions of up to $458 a year.

To see if you’re overpaying, click here to get quotes or feel free to get quotes from the companies below.

It’s important to note that these rates are averaged for all ages of drivers and types of vehicles and and are not figured with a price increase for drivers requiring a SR22. So the company that fits your age and vehicle best may not even be included in the list above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

The vehicle on the policy is one of the largest factors that determines whether or not you can buy the best cheap car insurance for drivers requiring a SR22. Vehicles with economical engines, advanced safety features, or a positive history of liability claims will cost less to insure than fast, unsafe models.

The table below ranks coverage premiums for a handful of the more afforable vehicles to insure in Delaware.

Table data represents single male driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Prices do not factor in specific location which can decrease or increase prices significantly.

Based on these rates, you can conclude that vehicles like the Honda CR-V, Ford Escape, and Chevrolet Traverse are most likely to be a few of the cheaper vehicles to insure for high risk drivers. The cost of auto insurance will be more costly just because there is more liability risk for drivers requiring a SR22, but overall those specific models will probably have the best insurance prices possible.

Discounts on the cheapest auto insurance for drivers requiring a SR22 in Delaware

Car insurance companies that offer coverage for drivers requiring a SR22 may provide special discounts that may potentially lower prices by 30% or more if you are eligible. Larger auto insurance companies and a selection of discounts include:

The example below illustrates the comparison of insurance costs with and without some available policy discounts. The information is based on a female driver, two at-fault accidents and two violations, Delaware state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple policy, marriage, multiple vehicle, homeowner, vehicle safety, and paperless filing discounts applied. When these discounts are applied, the the average amount saved on auto insurance for drivers requiring a SR22 is % or $.

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The diagram below shows how choosing a deductible can affect insurance prices when getting quotes for cheap insurance for drivers requiring a SR22. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

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A 30-year-old driver could save $514 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $772 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, could reduce their rates up to $1,144 each year by selecting a higher deductible.

When using a larger deductible, it is important to have enough spare savings to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Find the cheapest auto insurance for drivers requiring a SR22 in Delaware

It’s not impossible to find cheaper rates, and here are some of the recommended money-saving suggestions that can help Delaware drivers get lower-cost coverage.

• Buy a safer vehicle
• Buy your homeowners policy from the same company as your auto insurance
• Don’t waste money on full coverage for older vehicles
• Being accident-free can lower rates significantly
• Drivers with good credit ratings often pay less
• Comparison shop at least every other year

The last tip is extremely crucial, as was pointed out in the prior information. Coverage prices fluctuate considerably, so drivers shouldn’t hesitate to buy a policy from a new company if a more affordable rate is found.

Having a favorite company is fine, but it’s not recommended if that faithfulness ends up costing you money that could be used for better things. Take a couple minutes and compare prices to find cheaper auto insurance for drivers requiring a SR22.