Best Car Insurance After a DUI in Delaware (10 Standout Companies for 2024)
Travelers, Allstate, and State Farm offer the best car insurance after a DUI in Delaware, with rates starting at $60 per month. Travelers offer affordable premiums, Allstate provides excellent service, and State Farm delivers customizable coverage options, making them the top choice for DUI drivers in Delaware.
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Jeff Root
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Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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11,413 reviewsCompany Facts
Full Coverage After a DUI in Delaware
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
17,760 reviewsCompany Facts
Full Coverage After a DUI in Delaware
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
Travelers provides the best car insurance after a DUI in Delaware, with Allstate and State Farm also offering strong options. These companies offer competitive coverage choices for individuals with DUI convictions.
Drivers in Delaware convicted of a DUI (Driving Under the Influence) may encounter increased car insurance premiums and fewer coverage options. Read our article below to know more.
Our Top 10 Company Picks: Best Car Insurance After a DUI in Delaware
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 10% A++ Comprehensive Options Travelers
#2 12% A+ Personalized Plans Allstate
#3 15% B Comprehensive Coverage State Farm
#4 13% A Risk Management Farmers
#5 11% A++ Affordable Rates Geico
#6 8% A+ Broad Coverage Nationwide
#7 16% A Discount Availability American Family
#8 9% A++ Customer Care Auto-Owners
#9 20% A+ Affordable Coverage Erie
#10 22% A+ Risk Support Progressive
In this article, we’ll explore the best car insurance options for Delaware drivers with a DUI. You can save money by comparing online car insurance quotes to find the most suitable coverage for your needs. Enter your ZIP code now.
- Best car insurance after a DUI in Delaware provides customized coverage
- Drivers with a DUI in Delaware need insurers offering flexible, high-risk policies
- Travelers offers the lowest rates, starting at $60 per month
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#1 – Travelers: Top Overall Pick
Pros
- Competitive Rates: Travelers offers competitive rates for high-risk drivers, making it one of the best car insurance options after a DUI in Delaware.
- Bundling Discounts: Their bundling discounts help DUI drivers save on insurance costs, ensuring affordability in Delaware.
- Flexible Payment Options: Flexible payment options allow DUI drivers to manage their premiums effectively in Delaware. Read more through our Travelers insurance review.
Cons
- Limited Digital Tools: Travelers has limited digital tools, which can make managing the best car insurance after a DUI in Delaware less efficient.
- Higher Premiums for Violations: Higher premiums for additional violations may challenge DUI drivers looking for affordable coverage in Delaware.
#2 – Allstate: Best for Personalized Plans
Pros
- Personalized Coverage Plans: Allstate’s personalized coverage plans make it a top contender for the best car insurance after a DUI in Delaware. Consult our Allstate Insurance review and ratings.
- Safe Driving Bonus: Their Safe Driving Bonus encourages better driving habits, helping DUI drivers lower their premiums over time in Delaware.
- User-Friendly Digital Tools: The user-friendly digital tools from Allstate facilitate easy management of the best car insurance after a DUI in Delaware.
Cons
- Higher Initial Premiums: DUI drivers may face higher initial premiums, affecting the affordability of the best car insurance after a DUI in Delaware.
- Limited Discounts for High-Risk Drivers: Limited discounts for high-risk drivers can make finding the best car insurance after a DUI in Delaware more challenging.
#3 – State Farm: Best for Comprehensive Coverage
Pros
- Usage-Based Insurance Options: Their usage-based insurance options reward safe driving habits, helping DUI drivers save on premiums in Delaware.
- Accident Forgiveness Policies: Accident forgiveness policies offer peace for those seeking the best car insurance after a DUI in Delaware. Check our State Farm insurance review & ratings for more.
- Comprehensive Coverage Choices: Comprehensive coverage choices allow DUI drivers to customize their policies according to their needs in Delaware.
Cons
- Stricter Underwriting Guidelines: Stricter underwriting guidelines may make it harder for DUI drivers to secure the best car insurance after a DUI in Delaware.
- Slow Claims Processing: Some policyholders report slow claims processing, which can complicate the experience of finding the best car insurance after a DUI in Delaware.
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#4 – Farmers: Best for Risk Management
Pros
- Personalized Service from Local Agents: Farmers’ personalized service from local agents makes it an excellent option for the best car insurance after a DUI in Delaware.
- Bundling Discount: The 12% bundling discount helps DUI drivers manage their insurance costs effectively in Delaware. For extra details, check our Farmers insurance review & ratings.
- Strong Financial Strength: With strong financial strength, Farmers provides peace of mind for DUI drivers needing reliable coverage in Delaware.
Cons
- Fewer Online Tools: Farmers offers fewer online tools, which can make managing the best car insurance after a DUI in Delaware less efficient.
- Higher Rates for DUI Drivers: Higher rates for DUI drivers can limit the affordability of the best car insurance after a DUI in Delaware.
#5 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Geico’s affordable rates for high-risk drivers position it as a strong contender for the best car insurance after a DUI in Delaware.
- Extensive Online Tools: Their extensive online tools make it easy for DUI drivers to manage their policies and claims in Delaware. Learn more by consulting our Geico insurance review & ratings.
- Various Discounts: Geico’s various discounts, including those for safe driving courses, help lower costs for DUI drivers in Delaware.
Cons
- Focus on Digital Interactions: Geico’s focus on digital interactions may not suit all drivers looking for personalized service in the best car insurance after a DUI in Delaware.
- Higher Rates for Multiple Violations: Drivers with multiple violations may find it challenging to get the best car insurance after a DUI in Delaware due to higher rates.
#6 – Nationwide: Best for Broad Coverage
Pros
- SmartRide Program: The SmartRide program incentivizes safe driving, allowing DUI drivers to lower their premiums in Delaware.
- Strong Claims Handling: Strong claims handling is essential for DUI drivers, ensuring they receive prompt assistance when needed in Delaware.
- Numerous Discounts Available: Numerous discounts available help reduce the overall cost of the best car insurance after a DUI in Delaware.
Cons
- Potentially Higher Premiums: DUI drivers might experience potentially higher premiums, affecting affordability in Delaware. Read more through “Renewing my car insurance policy with Nationwide“.
- Limited Local Agent Access: Limited access to local agents can impact the level of personalized service available for DUI drivers in Delaware.
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#7 – American Family: Best for Discount Availability
Pros
- Affordable Premiums: With average premiums around $114, American Family offers competitive rates for the best car insurance after a DUI in Delaware.
- Excellent Customer Service: Known for high customer satisfaction ratings, American Family ensures DUI drivers receive reliable assistance and support.
- Numerous Discounts Available: The variety of discounts, including safe driving and bundling options, helps DUI drivers manage their insurance costs effectively.
Cons
- Higher Rates for High-Risk Drivers: DUI drivers may find that their rates are higher compared to those offered by some competitors, affecting overall affordability.
- Limited Local Agent Availability: Local agents may hinder the personalized service to DUI drivers seeking assistance in Delaware. Learn more in our American Family homeowners insurance review.
#8 – Auto-Owners: Best for Customer Care
Pros
- Strong Financial Stability: Auto-Owners boasts a solid financial rating, ensuring reliable claim payouts for DUI drivers in need of assistance.
- Personalized Customer Service: Their local agents offer tailored support, making it easier for DUI drivers to navigate their insurance needs.
- Variety of Coverage Options: DUI drivers can choose from a range of coverage options that suit their specific circumstances and budget in Delaware.
Cons
- Limited Digital Tools: Auto-Owners may not offer as many online tools for managing policies, which can be inconvenient for tech-savvy DUI drivers.
- Availability in Some Areas: Availability may vary by location, limiting access to coverage for some DUI drivers in Delaware. Read more through our Auto-Owners insurance review.
#9 – Erie: Best for Affordable Coverage
Pros
- Local Agent Support: Erie’s strong local agent presence ensures personalized support for DUI drivers. Seek more information by reading our Erie homeowners insurance review.
- Robust Discounts: They offer multiple discounts that help DUI drivers manage their insurance costs effectively.
- Excellent Claims Satisfaction: Erie is known for high claims satisfaction, which is crucial for DUI drivers needing reliable support.
Cons
- Limited Online Management Tools: Fewer digital tools may hinder DUI drivers’ ability to manage their policies online efficiently.
- Availability Issues: Erie may not be available in all areas, which can limit options for some DUI drivers in Delaware.
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#10 – Progressive: Best for Risk Support
Pros
- Very Competitive Premiums: Progressive offers average premiums around $60, making it one of the best options for DUI drivers in Delaware.
- Name Your Price Tool: Their “Name Your Price” tool helps DUI drivers find coverage that fits their budget. Learn more through our Progressive insurance review.
- Comprehensive Policy Options: Progressive provides customizable coverage options, ensuring DUI drivers can meet their specific needs.
Cons
- Higher Premiums for High-Risk Drivers: DUI drivers may face higher premiums compared to other insurers, affecting affordability.
- Mixed Customer Service Reviews: Mixed reviews regarding customer service can lead to uncertainty for DUI drivers regarding their insurance experience.
Impact of DUI on Car Insurance in Delaware
A DUI is a major penalty that can significantly affect your car insurance rates and coverage options. It stands for Driving Under the Influence and refers to operating a vehicle while impaired by alcohol or drugs.
In Delaware, the legal blood alcohol concentration (BAC) limit is 0.08% for non-commercial drivers over the age of 21. Regarding car insurance, a DUI is considered a major violation and can result in higher premiums, policy cancellations, or non-renewals.
Delaware DUI Car Insurance Monthly Rates by Provider and Coverage Level
Insurance Company Minimum Coverage Full Coverage
$145 $276
$114 $217
$120 $210
$110 $195
$115 $219
$90 $172
$198 $379
$60 $114
$67 $127
$77 $147
What happens if you get a DUI? Insurance companies view drivers with a DUI as high-risk individuals who are more likely to get into accidents or cause property damage, leading to significantly increased costs for coverage.
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 15% | 10 providers |
| Multi-Policy Discount | A- | 12% | 8 providers |
| Good Student Discount | B+ | 10% | 7 providers |
| Low Mileage Discount | B | 8% | 6 providers |
| Anti-Theft Discount | B- | 5% | 5 providers |
A DUI, or Driving Under the Influence, is a criminal offense that occurs when a driver operates a vehicle while impaired by alcohol or drugs. It is illegal in all states, including Delaware, and is a severe offense that can lead to fines, license suspension, and even jail time.
Car Insurance Discounts from the Top Providers for After a DUI in Delaware| Insurance Company | Available Discounts |
|---|---|
| Safe Driving, Multi-Policy, Early Signing, Good Student |
| Accident-Free, Multi-Policy, Safe Driver, Good Student |
| Safe Driving, Multi-Policy, Homeowner, Anti-Theft |
| Safe Driver, Multi-Policy, Accident-Free, Good Student |
| Safe Driving, Multi-Policy, Homeowner, Advanced Driver Training |
| Safe Driving, Multi-Policy, Good Student, Anti-Theft |
| Safe Driving, Multi-Policy, Accident-Free, Good Student |
| Safe Driving, Multi-Policy, Homeowner, Anti-Theft |
| Safe Driving, Multi-Policy, Good Student, Accident-Free |
| Safe Driving, Multi-Policy, Good Student, Homeowner |
These measures include sobriety checkpoints, increased police presence on the roads, and public awareness campaigns to educate individuals about the dangers and consequences of driving under the influence. Enter your ZIP code now to begin.
Penalties and DUI’s Laws Overview
Before exploring car insurance options, it’s important to have a clear understanding of Delaware’s DUI laws and penalties. Knowing the laws can help you navigate the consequences of a DUI conviction and make informed decisions about your insurance coverage.
Delaware Report Card: Auto Insurance Premium| Category | Grade | Explanation |
|---|---|---|
| Excellent | A | Lowest premium, minimal risk |
| Good | B+ | Slightly higher premium, good driving record |
| Average | B | Moderate premium, some driving infractions |
| Below Average | C+ | Higher premium, history of minor violations |
| Poor | C | Highest premium, multiple infractions or DUIs |
In Delaware, it is illegal for drivers to operate a motor vehicle with a blood alcohol concentration (BAC) of 0.08% or higher. For commercial drivers, the legal limit is reduced to 0.04%.
Additionally, Delaware has an “implied consent” law, which means that drivers who refuse to take a breath test can face license suspensions.
Delaware takes DUI offenses seriously and has implemented strict laws to deter drunk driving. The state recognizes the dangers of impaired driving and aims to protect its residents and visitors from the potential harm caused by intoxicated motorists.
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Licensed Insurance Agent
By setting clear BAC limits and enforcing penalties for those who violate them, Delaware strives to promote safe and responsible driving.
First-time DUI offenders in Delaware face penalties such as fines, license suspension, mandatory alcohol education programs, and potential jail time.
5 Most Common Auto Insurance Claims in Delaware| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 40% | $3,000 |
| Comprehensive | 25% | $2,500 |
| Property Damage | 15% | $1,500 |
| Bodily Injury Liability | 10% | $5,000 |
| Personal Injury | 10% | $4,500 |
These penalties aim to educate offenders about the consequences of their actions and deter them from repeating the offense in the future. Obtain a more nuanced perspective with our “DUI Probation and Deferred Sentencing.”
By requiring participation in alcohol education programs, Delaware seeks to address the underlying issues that may contribute to DUI incidents and promote rehabilitation.
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Tips to Lower Your Car Insurance Rates After a DUI
While insurance rates typically increase after a DUI, there are several potential ways to lower your premiums. Improving your driving record by following traffic laws and avoiding violations can positively influence insurance companies.
Additionally, taking a defensive driving course enhances your driving skills and qualifies you for discounts from insurers.
After a DUI conviction, maintaining a clean record is essential; avoiding further infractions can help gradually reduce your insurance rates as you demonstrate a commitment to safe driving. Despite a DUI conviction, it’s possible to find affordable car insurance.
Delaware Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Wilmington | 1,500 | 1,200 |
| Dover | 1,000 | 850 |
| Newark | 800 | 700 |
| Middletown | 600 | 500 |
| Smyrna | 400 | 350 |
By understanding the impact of a DUI on your insurance rates, familiarizing yourself with Delaware’s laws and penalties, and exploring your car insurance options, you can find coverage that meets your needs. Read more through our “How long does a DUI stay on your record” for expanded insights.
Be sure to compare quotes from different insurers and consider specialized companies that cater to high-risk drivers. Remember, responsible driving habits and proactive efforts can lead to affordable and reliable car insurance coverage, even with a DUI conviction. Enter your ZIP code now to begin.
Frequently Asked Questions
What is the minimum car insurance coverage required for drivers with a DUI in Delaware?
The minimum car insurance coverage required for drivers with a DUI in Delaware is liability insurance with limits of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage.
Will my car insurance rates increase after getting a DUI in Delaware?
Yes, it is highly likely that your car insurance rates will increase after getting a DUI in Delaware. Insurance companies consider DUI convictions as a high-risk factor, which often leads to higher premiums. Enter your ZIP code now to begin.
How long will a DUI affect my car insurance rates in Delaware?
A DUI conviction can typically affect your car insurance rates in Delaware for at least three to five years, resulting in higher premiums due to the increased risk.
Additionally, it’s crucial to understand the DUI bail and bonds overview, as it can guide you through the legal process, including bail requirements and their financial implications after a DUI arrest.
Can I get car insurance with a DUI in Delaware?
Yes, you can still get car insurance with a DUI in Delaware. However, finding affordable coverage may be challenging as insurance companies may consider you a high-risk driver.
It is recommended to reach out to multiple insurance providers and compare quotes to find the best possible rates.
Are there any specialized car insurance companies that cater to drivers with a DUI in Delaware?
Yes, there are specialized car insurance companies that cater to drivers with a DUI in Delaware. These companies typically offer coverage to high-risk drivers and may have specific policies tailored to individuals with a DUI on their record.
It is advisable to research and contact these companies to explore your options. Enter your ZIP code now to begin.
What are the average car insurance premiums for DUI drivers in Delaware?
In Delaware, the average car insurance premium for drivers with a DUI is significantly higher than for those without, increasing by about $114 to over $500 depending on the provider.
Additionally, drivers with out-of-state DUI warrants may face even higher rates, as insurers consider these warrants when assessing risk. Addressing these issues can help prevent further premium increases.
How does Farmers Insurance support DUI drivers with personalized service?
Farmers Insurance provides personalized service through local agents who understand the unique needs of DUI drivers. This tailored approach helps clients navigate their options and find suitable coverage for their circumstances.
What discounts are available for DUI drivers seeking car insurance from different providers?
Many insurance providers offer discounts to DUI drivers, including bundling discounts and safe driving incentives. These discounts can help mitigate higher premiums and make insurance more affordable. Enter your ZIP code now to begin.
Which insurance provider has the lowest average premium for DUI drivers in Delaware?
According to the article, Progressive offers the lowest average premium for DUI drivers in Delaware, at $114. This competitive pricing makes Progressive a viable option for those seeking affordable coverage after a DUI.
However, refusing a DUI breathalyzer test can result in penalties like automatic license suspension, which may affect insurance rates. Understanding the implications of refusing a DUI breathalyzer test can help drivers make informed insurance decisions.
What challenges do DUI drivers face when searching for affordable car insurance?
DUI drivers often encounter higher premiums and limited coverage options due to their driving history. Additionally, finding insurers willing to provide coverage can be daunting, as many companies view DUI offenses as a significant risk factor.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.