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In the US State of Delaware, drivers can get penalty points or a demerit point where their driving license can be canceled or suspended. A driving license can be suspended or canceled based on the number of penalty points accumulated by Delaware State drivers over some time because of the traffic offenses or infringements they committed during that period.
You can contact the Department of Motor Vehicles (DMV) for your State to check your penalty points. To check If Speeding Points Affect Insurance, read our article.
How do Points on a Driver’s License Affect Insurance in Delaware?
In Delaware, driver’s license points affect insurance premium costs. Based on our case study, Delaware’s average car insurance premium is $1,128 per year for no violation points. If you get driving penalty points for a fault accident, your insurance premium cost will increase by an average of 34%, which will be $1,674 on average. Racing or reckless driving points can grow up to 86% of your insurance premium policy, so these offenses generate an average insurance cost of $1,775 in Delaware.
However, each insurance company has its driving points records ranking system. For the same offenses or penalty points, you can have different insurance premium increases in various companies.
For example, for a same-fault accident in Delaware, Nationwide insurance can increase the policy by 10%, while Allstate and Progressive insurance can increase up to 38%.
How long do points stay on your driving record in Delaware?
In Delaware, 12 months after the date of conviction, the DMV credits are at one-half value. If you received 6 points, after 12 months, they downgraded to 3. However, not all points expire and may remain on your record forever.
How much do 2 points affect insurance in Delaware?
On average, two penalty points in Delaware will affect a 5% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs up to 62%.
How much do 3 points affect insurance in Delaware?
In Delaware, on average, three penalty points will affect a 7% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs by up to 76%.
How much do 4 points affect insurance in Delaware?
In Delaware, 4 penalty points will affect an average 7% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs up to 100%.
How much do 5 points affect insurance in Delaware?
In Delaware, five penalty points will affect an average 9% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 6 points affect insurance in Delaware?
In Delaware, six penalty points will affect an average 11% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 7 points affect insurance in Delaware?
In Delaware, seven penalty points will affect an average 23% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 8 points affect insurance in Delaware?
In Delaware, eight penalty points will affect an average 36% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
The length of a suspension period for any Delaware license holder
- 12 points. At 12 points, drivers are sent a notice to complete a behavior modification driving course. Failure to complete this course within 90 days will result in a two-month suspension.
- 14 points. At 14 points, the driver’s license will be suspended for four months. The suspension length increases by two months (up to 12 months) for every two additional points. For example, the driver would receive a six-month suspension for 16 points and a 12-month suspension for 22 points. All drivers who reach 14 points must complete the behavior modification driving course before license reinstatement.
Offense and driving points record in Delaware
| Violation | Points assessed |
| Speeding 1 to 9 miles per hour over limit | 2 |
| Speeding 10 to 14 miles per hour over limit | 4 |
| Speeding 15 to 19 miles per hour over limit | 5 |
| Speeding 20 or more miles per hour over the limit | 5 |
| Passing a stopped school bus | 6 |
| Reckless driving | 6 |
| Operation causing death | 6 |
| Aggressive driving | 6 |
| Traffic sign violation | 3 |
| Any other moving violation | 2 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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