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Why is car insurance so expensive in Delaware?
I’ve lived in Philadelphia for years, and I’m tired of the busy go-go-go mentality, so I’m moving to Delaware for some peace and quiet. However, my sense of tranquility brought on by my impending move was shattered into a million, anxiety-addled pieces when I learned how expensive car insurance is in Delaware. Why is car insurance so expensive in Delaware?
Jason Tushinski · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Unfortunately, car insurance can be so expensive in
Delaware
due to the state’s small physical size combined with its high population density and more frequent accidents to boot.That being said, there are other reasons that contribute to Delaware’s high yearly insurance rates, such as:
- Nearly 10% of Delaware drivers are uninsured. In order to cover the cost of these uninsured drivers, insurance companies raise rates for their policyholders.
- Auto repairs in Delaware are getting more expensive every year, rising by about 2% annually. Auto repairs make up a big part of insurers’ payouts, so they raise rates to keep up with price increases.
- Insurers make the bulk of their payouts to cover medical costs, and healthcare costs are rising by about 2% per year in Delaware. This is another reason insurers raise their rates.
- Delaware experiences its fair share of severe weather, including damaging summer and winter storms, as well as tropical cyclones. These weather events can cause significant damage to vehicles, so insurers raise their rates to counter these expensive and unpredictable phenomena.
Although it’s true that car insurance can be expensive in Delaware, all hope is not lost! You can find the lowest rate on the coverage you need by comparing quotes on the
Jerry
app quickly and easily. The average Jerry user saves more than $800 per year on car insurance!View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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