How Much Does Car Insurance Cost for Low Income Drivers in Delaware?

When shopping for cheaper insurance for poor drivers, one of the many components used to determine insurance cost is where you choose to live in Delaware. Cities with more crime and/or more people like Wilmington, New Castle, and Middletown will most likely have higher rates, whereas areas with less congestion have the gratification of cheap auto insurance for low income drivers in Delaware.

The information below rates the highest-priced places in Delaware for low income drivers in which to purchase auto insurance.

Table data uses approximated as specific Delaware garaging address can lower or raise coverage rates greatly.

Establishing which companies offer the cheapest auto insurance rates for low income drivers requires a bit more work than just comparing rates from one or two companies. Each insurer uses a different method for determining rates in each state, so let’s take a look at the auto insurance companies that tend to have lower prices in Delaware.

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USAA has some of the cheapest car insurance rates in Delaware at around $874 a year. Travelers, Nationwide, Atlantic States, and Titan would also be considered some of the cheapest Delaware car insurance companies.

As shown in the table above, if you currently have a policy with Atlantic States and switched to Travelers, you may see a yearly savings of upwards of $279. Policyholders with Titan could save as much as $279 a year, and California Casualty insureds might lower prices by up to $280 a year.

To see how much you can save, click here to begin a quote or visit any of the companies below.

It’s important to note that these premium estimates are averages for all types of insureds and vehicles and and are not figured with a rate discount for low income drivers. So the auto insurance company that is most affordable for your situation may not even be shown in the rate chart shown above. That emphasizes why you need to compare rates from multiple companies using your own personal information and vehicle type.

The vehicle requiring insurance is one of the largest considerations when quoting cheap auto insurance for low income drivers in Delaware. Vehicles with high performance features, poor crash test ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models. The list below ranks auto insurance costs for some of the most affordable automobiles to insure in Delaware.

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can influence coverage rates greatly.

Based upon these rates, you can assume that vehicles like the Honda CR-V, Hyundai Tucson, and Jeep Wrangler should be the more affordable vehicles to insure for poor drivers.

Discounts on cheap auto insurance for low income drivers in Delaware

Car insurance companies that offer coverage for low income drivers may also provide special discounts that could reduce prices by 25% or more if you qualify for them. Popular auto insurance companies and a partial list of their discounts are detailed below.

• American Family offers discounts including Steer into Savings, bundled insurance, defensive driver, air bags, and early bird.
• Farm Bureau offers discounts for youthful driver, safe driver, 55 and retired, multi-policy, and multi-vehicle.
• State Farm policyholders can earn discounts including defensive driving training, accident-free, good driver, multiple autos, and safe vehicle.
• Travelers has savings for hybrid/electric vehicle, early quote, multi-policy, IntelliDrive, and new car.
• The Hartford includes discounts for anti-theft, bundle, driver training, vehicle fuel type, defensive driver, air bag, and good student.
• GEICO may include discounts for anti-lock brakes, daytime running lights, seat belt use, multi-vehicle, and defensive driver.
• Progressive may offer discounts for multi-policy, good student, continuous coverage, homeowner, online signing, and multi-vehicle.

The illustration below shows the difference between yearly insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, a clean driving record, no at-fault accidents, Delaware state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with accident-free, defensive driving course, multiple policy, anti-theft, claim-free, and homeowner discounts applied. When drivers take advantage of discounts, the the average amount saved on auto insurance for low income drivers is 28% or $636.