Competitive Delaware Auto Insurance Discounts

Once your car (or the one it replaced) has been with State Farm Mutual Automobile Insurance Company for at least three continuous years without a chargeable accident during this period, you may receive a discount. This auto insurance discount may increase over time if the policy remains in force and there continues to be no chargeable accidents.

Delaware drivers could save 5%-15% on applicable coverages.

You may be eligible for a discount for taking a defensive driving course if you meet all of the following criteria:

• Are a driver of the vehicle
• Have voluntarily taken and completed within the last three years a Motor Vehicle Accident Prevention Course that has been approved by the Delaware Insurance Department

A certificate must be presented to State Farm showing the course was successfully completed.

Discount Term and Renewal

The Defensive Driving Discount (DDD) will begin at the inception date (new policies) or is applied midterm as of the completion date of the course (existing policies). DDD applies for a period of three years, at the end of which, an advanced course must be successfully completed in order to again qualify for the discount.

Advanced courses include any subsequent, approved course taken in order to renew a previously completed course. The advanced course must be completed within 180 days prior to the expiration date of the previous three-year discount term, or within two years subsequent.

Termination of Discount

DDD expires on the first renewal date following three years from the course completion date unless State Farm receives evidence of recertification.

Find a Course

An easy way to take advantage of this discount is through an online defensive driving course offered by the National Safety Council at a reduced cost of $24.95.

If you have questions about a course being eligible, please contact your State Farm agent.

This auto insurance discount is available to customers who agree to share certain driving information and meet eligibility requirements. Customers may receive an initial discount of about 5% when they enroll. Then, how you drive determines your discount - up to 30%.

Learn more about Drive Safe & Save

Delaware residents, you may be eligible to receive this auto insurance discount if all of the drivers in the household have had no moving violations and no at-fault accidents during the past three years. The private-passenger automobile receiving the discount must also be insured with State Farm Mutual Automobile Insurance Company.

NOTE: All driving history will be verified at the time an application is submitted for car insurance in Delaware. This discount may be replaced with the Accident-Free Discount once you have been a State Farm customer for three years.

Drivers under the age of 25 may be eligible for our Good Student Discount.

To be eligible, the driver must be a full time student in high school or at a college or university who maintained one of the following in the immediately preceding school semester:

• Ranked scholastically in the upper 20% of his or her class
• Had a grade average of B or higher
• Had a grade point average of 3.0 (out of 4.0) or higher
• Made the Dean's List or Honor Roll

Drivers who have earned an Associate's degree or equivalent and have a qualifying scholastic record meeting one of the above requirements may be considered. Drivers who have earned a Bachelor's degree with or without a qualifying scholastic record may be considered as well.

Home study students may be eligible if they submit evidence they have taken certain national standardized tests, administered within the last 12 months and ranked in the upper 20%.

Proof of eligibility is required when an application for insurance is submitted.

You may be eligible for this auto insurance discount if you meet all of the following criteria:

• There are two or more private-passenger automobiles owned by persons residing at the address.
• The vehicles are insured with State Farm.
• The owners of the vehicles reside in the same household, and A) are related by marriage, blood, or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

You may be eligible for this multiline discount if you are the named insured on a qualifying State Farm Home, Renters, Condo, Life, or Health policy.

1993 and prior vehicles in Delaware equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards will receive an auto insurance discount.

In order to initially qualify for this discount, the following requirements must be met by all assigned drivers under age 25:

• Have no at-fault accidents or moving violations in the three year period prior to the time the discount is initially applied (NOTE: In some states certain accidents and moving violations may not disqualify you), and
• Have successfully completed the State Farm Steer Clear program. The program includes video content regarding safe driving behaviors and requires the driver to track some of their driving experiences.

Learn more about Steer Clear

This discount applies to a vehicle when each of the assigned drivers under the age of 25:

• Is a student who resides at school more than 100 miles from home, and
• Drives the automobile only while home during the school vacation or holiday periods, and
• Keeps the automobile at home while away at school.

This auto insurance discount applies in Delaware if the insured participates in the Travelink Traffic Mitigation Act program. The insured must provide proof of participation annually.

1994 and newer-model-year private-passenger vehicles may receive an auto insurance discount based on the loss experience of the make and model of the insured vehicle.