Best Cheap Car Insurance After a Speeding Ticket in Delaware

Best Cheap Car Insurance After a Speeding Ticket in Delaware

Trying to find cost effective insurance is hard enough, and determining which companies quote the cheapest auto insurance rates after a speeding ticket calls for even more work. Each auto insurer has a different formula to establish rates, so let’s begin by taking a look at the auto insurance companies with the overall cheapest rates in Delaware.

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Who has the cheapest car insurance in Delaware?
Rank Company Cost Per Year
1 USAA $840
2 Travelers $1,084
3 Nationwide $1,242
4 Atlantic States $1,279
5 California Casualty $1,332
6 Titan $1,372
7 GEICO $1,503
8 Donegal Mutual $1,513
9 National Grange Mutual $1,533
10 MetLife $1,676
11 Progressive $1,835
12 State Farm $1,888
13 Encompass $1,969
14 Allstate $2,806
15 Sentry $3,625
16 Liberty Mutual $6,280
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USAA offers some of the best car insurance rates in Delaware at around $840 each year. Travelers, Nationwide, Atlantic States, and California Casualty are also some of the more affordable Delaware insurance companies.

As depicted above, if you are a policyholder with Atlantic States and switched to USAA, you might achieve annual savings of approxmiately $439. Customers with California Casualty may save as much as $492 a year, and Titan policyholders might realize rate reductions of up to $532 a year.

It’s important to note that these estimates are averaged across all insureds and vehicles and and are not figured with a rate decrease after a speeding ticket. So the insurer that fits you best may not even be shown in the chart above. That point stresses why you need to compare as many prices as possible using your own personal information and vehicle type.

The vehicle model driven is a large factor when comparison shopping for the cheapest car insurance after a speeding ticket. Vehicles with lower performance, a great safety record, or a low likelihood of liability claims will cost less to insure than high performance models. The next list shows auto insurance rates for the most budget-friendly automobiles to buy insurance for.

Cheapest Auto Insurance Rates After a Speeding Ticket in Delaware
Vehicle Insured Estimated Cost for Full Coverage
Hyundai Elantra SE Touring Station Wagon $1,795
Chevrolet Traverse LTZ 2WD $1,832
Dodge Grand Caravan CV $1,844
Honda CR-V EX-L 4WD $1,846
Ford Escape Limited 4WD $1,917
Jeep Grand Cherokee Laredo 4WD $1,953
Toyota Sienna LE $1,963
Honda Accord EX-L 4-Dr Sedan $1,953
Toyota Prius $1,958
Jeep Wrangler Sahara 4WD 2-Dr $1,965
Ford F-150 Lariat Crew Cab 2WD $1,989
Kia Forte LX 4-Dr Sedan $2,021
Ford Focus S 4-Dr Sedan $2,043
Ford Edge SEL AWD $2,050
Chevrolet Impala LTZ $2,062
Toyota Corolla XLE $2,068
Hyundai Tucson Limited 4WD $2,082
Honda Civic DX 4-Dr Sedan $2,088
Nissan Rogue S 2WD $2,091
Chevrolet Equinox LTZ AWD $2,098
Volkswagen Jetta 2.0T Station Wagon $2,106
Ford Explorer Limited 2WD $2,123
Toyota RAV4 4WD $2,128
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Table data represents single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Delaware minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in specific garaging location which can lower or raise premiums significantly.

Based on these rates, vehicles like the Hyundai Elantra, Chevrolet Traverse, Dodge Grand Caravan, and Honda CR-V are most likely to be the most budget-friendly vehicles to insure after a few driving violations.

Poor driving habits will raise your auto insurance rates

The common sense way to earn the best auto insurance rates after a few driving violations is to drive cautiously and avoid tickets and accidents. The chart below illustrates how speeding tickets and at-fault collisions can influence insurance premiums for different age categories. The premiums assume a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

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In the prior example, the average cost of an auto insurance policy in Delaware per year with no accidents and a clean driving record is $2,418. Get written up for one speeding ticket and the average cost jumps to $2,779, an increase of $361 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of auto insurance after a speeding ticket jumps again to an average of $5,923. That’s an increase of $3,505, or $292 per month, just for not driving carefully!

Finding a highly-rated car insurance company can be difficult considering how many different companies there are to choose from in Delaware. The company rank data shown below can help you analyze which auto insurers to look at comparing price quotes from.

The rankings below include major nationwide insurance companies, so companies without a large exposure will not be included in this list. If you would like to check rates from these and other competitive companies, click this link.

Top 15 Auto Insurance Companies in Delaware
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
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Data Source: Insure.com Best Car Insurance Companies

Find the best cheap car insurance after a speeding ticket in Delaware

The list below details some money-saving suggestions that can help Delaware drivers get lower-cost coverage.

  • Maintain a safe distance and avoid accidents
  • Buying your home and auto policies from the same company can earn a discount
  • Save money by only buying liability coverage for older vehicles
  • Safer vehicles generally have cheaper insurance rates
  • Good credit can save money
  • Shop around for cheaper prices often

That last piece of advice is remarkably crucial, as was noted in this write-up. Prices change constantly, so don’t hesitate to buy a policy from a new company if you find a cheaper price. Having a favorite company is fine, but is isn’t recommended if that faithfulness ends up costing you several hundred dollars every year. If you have a few minutes, compare rates to find cheaper car insurance after a speeding ticket.