Best Insurance for Teen Drivers in Delaware

According to our research, the best auto insurance for teen drivers in Delaware are Travelers, USAA and Donegal. These companies offer below-average rates and multiple discounts for young drivers, such as good student, driver training and defensive driving discounts. However, USAA is only available to members of the military, veterans and their families.

Travelers has an average annual rate of $1,525 for good drivers and $1,585 for drivers with a speeding ticket in Delaware. USAA has an average annual rate of $1,546 for good drivers and $2,000 for drivers with a speeding ticket in Delaware. Donegal has an average annual rate of $1,903 for good drivers and $2,290 for drivers with a speeding ticket in Delaware.

The average annual cost of insurance for teens in Delaware is $2,431 for good drivers and $2,848 for drivers with a speeding ticket. Adding a teen to your car insurance policy increases rates by an average of 78% in Delaware, compared to rates for a married couple without a teen driver. Therefore, it may be cheaper to add your teen to your existing policy rather than buying a separate one.

However, before you decide on an insurance company or policy, you should compare quotes from multiple providers and consider factors such as coverage options, customer service and claims satisfaction. You should also review the teen driver's license and insurance requirements in Delaware, which include obtaining a Level 1 Permit, completing a driver education course and following certain restrictions during the first six months of driving.

In addition to the rates and discounts, you should also look at the collision scores of the car insurance companies you are considering. Collision scores are based on the frequency and severity of claims filed by policyholders. A lower collision score means fewer or less costly claims, which can indicate better customer service and lower premiums. According to the Insurance Institute for Highway Safety (IIHS), some of the car insurance companies with the lowest collision scores in 2020 were USAA, Geico and State Farm. You can compare collision scores by make and model on the IIHS website.

Another factor that can affect your car insurance rates is your credit-based insurance score. This is a score that reflects your credit history and how likely you are to file a claim. A higher credit-based insurance score can result in lower rates, while a lower score can increase your rates. The average increase for drivers with poor credit is 76% in Delaware. You can improve your credit-based insurance score by paying your bills on time, keeping your credit card balances low and checking your credit report regularly for errors.