Car Insurance After an Accident in Delaware: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Delaware increases insurance by 40%, raising full coverage from $2,184/year to $3,058/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$182/mo
After At-Fault Accident (+40%)
$255/mo
Cheapest Companies After Accident in Delaware
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $189/mo | $2,263/yr | Military families |
| Erie Insurance | $201/mo | $2,416/yr | Rate lock guarantee |
| GEICO | $209/mo | $2,508/yr | Clean driving record |
| Progressive | $224/mo | $2,691/yr | Telematics savings |
| State Farm | $232/mo | $2,783/yr | Good students |
| Travelers | $242/mo | $2,905/yr | Multiple discounts |
| Nationwide | $265/mo | $3,180/yr | Bundling home + auto |
| Farmers | $275/mo | $3,303/yr | Signal telematics |
| Allstate | $285/mo | $3,425/yr | Accident forgiveness |
| Liberty Mutual | $301/mo | $3,608/yr | New car replacement |
USAACheapest
Monthly
$189/mo
Annual
$2,263/yr
Best for: Military families
Erie Insurance
Monthly
$201/mo
Annual
$2,416/yr
Best for: Rate lock guarantee
GEICO
Monthly
$209/mo
Annual
$2,508/yr
Best for: Clean driving record
Progressive
Monthly
$224/mo
Annual
$2,691/yr
Best for: Telematics savings
State Farm
Monthly
$232/mo
Annual
$2,783/yr
Best for: Good students
Travelers
Monthly
$242/mo
Annual
$2,905/yr
Best for: Multiple discounts
Nationwide
Monthly
$265/mo
Annual
$3,180/yr
Best for: Bundling home + auto
Farmers
Monthly
$275/mo
Annual
$3,303/yr
Best for: Signal telematics
Allstate
Monthly
$285/mo
Annual
$3,425/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$301/mo
Annual
$3,608/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses