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Arden Car Insurance
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The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in Arden is $1400 for a six-month policy, which is $139 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $798, making it a popular choice for budget-conscious drivers. Rates in Arden can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $798 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.
USAA offers auto insurance rates at $1068 for a six-month policy, making it one of the cheapest to insure with.
State Farm offers auto insurance rates at $1074 for six months, making it the third cheapest auto insurance company in Arden.
Based on our research, the cheapest car insurance company in Arden, DE is Travelers, offering policies at just $798 for a six-month term. This is followed by USAA, which has an average six-month premium of $1068.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2545 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arden drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $798 | $134 |
| USAA | $1068 | $180 |
| State Farm | $1074 | $181 |
| Cal Casualty | $1187 | $198 |
| Encompass | $1272 | $216 |
| Progressive | $1397 | $235 |
| California Casualty | $1563 | $263 |
| Nationwide | $1695 | $282 |
| Allstate | $2545 | $428 |
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Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Arden are given below.
Travelers provides the cheapest minimum car insurance coverage in Arden. Their Average 6 Month Premium is $389. Encompass is the most expensive at $653 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $389 | $65 |
| USAA | $389 | $65 |
| California Casualty | $495 | $83 |
| Cal Casualty | $501 | $85 |
| Farmers | $514 | $85 |
| State Farm | $581 | $98 |
| Progressive | $639 | $108 |
| Nationwide | $890 | $151 |
| Allstate | $1359 | $229 |
| Encompass | $653 | $109 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Arden is Travelers at $134 per month and $798 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $798 | $134 |
| USAA | $1068 | $180 |
| State Farm | $1074 | $181 |
| Cal Casualty | $1187 | $198 |
| Encompass | $1272 | $216 |
| Progressive | $1397 | $235 |
| California Casualty | $1563 | $263 |
| Nationwide | $1695 | $282 |
| Allstate | $2545 | $428 |
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The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Arden, Delaware, may be increasing due to several external factors. Delaware has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Arden's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Arden at $310 per month. At $10273 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $1839 | $310 |
| USAA | $2005 | $334 |
| Progressive | $3382 | $569 |
| Travelers | $4820 | $811 |
| Nationwide | $6982 | $1188 |
| Allstate | $10273 | $1712 |
Teen Car Insurance Rates in DE by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
For those with poor credit scores in Arden, Travelers is the cheapest car insurance provider. At $1247 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Arden is Allstate, offering rates of around $2749 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1247 | $210 |
| Progressive | $1417 | $239 |
| USAA | $1787 | $297 |
| Nationwide | $2341 | $398 |
| State Farm | $2572 | $428 |
| Allstate | $2749 | $463 |
Save up to $971/yr on car insurance rates in Arden.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Arden, DE, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Arden include Travelers and USAA, offering $653 and $666, respectively. Allstate is an expensive provider with an average six-month premium of $4622.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $653 | $110 |
| USAA | $666 | $112 |
| California Casualty | $864 | $144 |
| Encompass | $884 | $150 |
| State Farm | $904 | $152 |
| American Family | $956 | $162 |
| Progressive | $1240 | $209 |
| Nationwide | $2559 | $435 |
| Allstate | $4622 | $770 |
Here is a list of driving violations that can increase your car insurance rates in Arden DE. For example, the car insurance in Arden after a DUI increases to $1213 for a six month policy. While the rate increases by $310 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1411 | $235 |
| One Med/PIP claim | $1411 | $240 |
| Two Med/PIP claims | $1444 | $241 |
| One comp claim | $1457 | $248 |
| Not-at-fault accident | $1484 | $248 |
| Two comp claims | $1496 | $254 |
| Failure to show documents | $1608 | $269 |
| Driving with expired registration | $1682 | $286 |
| Failure to wear a seat belt | $1682 | $280 |
| Child safety restraint | $1702 | $290 |
| Driving without lights | $1702 | $283 |
| Speeding 11 - 15 MPH over limit | $1721 | $293 |
| Speeding 6 - 10 MPH over limit | $1721 | $286 |
| Driving too slowly | $1734 | $295 |
| Speeding in school zone | $1734 | $289 |
| Cell phone violation | $1740 | $296 |
| Following too closely | $1740 | $290 |
| Speeding 16 - 20 MPH over limit | $1740 | $296 |
| Texting while driving | $1740 | $290 |
| At-fault accident - less than $1000 | $1760 | $300 |
| Failure to stop at a red light | $1760 | $293 |
| Failure to yield | $1760 | $300 |
| Illegal turn | $1760 | $293 |
| Improper passing | $1760 | $300 |
| Wrong way/wrong lane | $1760 | $293 |
| Speeding 21 - 25 MPH over limit | $1780 | $303 |
| Passing school bus | $1807 | $301 |
| Open container | $1913 | $325 |
| At-fault accident - $1000-$2000 | $1945 | $324 |
| At-fault accident - greater than $2000 | $1965 | $334 |
| In 65 MPH zone | $1978 | $330 |
| Operating a vehicle without permission | $2018 | $343 |
| Reckless driving | $2545 | $424 |
| Refusal to submit to a chemical test | $2604 | $443 |
| Driving with a suspended license | $2617 | $436 |
| DUI | $2624 | $446 |
| Racing | $2657 | $443 |
| Leaving scene of an accident/hit and run | $2743 | $466 |
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A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Arden.
The cheapest car insurance premiums in Arden are offered by Travelers at $1081 for a six-month policy. However, it can be as expensive as $3323 with companies like Nationwide.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1081 | $182 |
| Progressive | $1404 | $236 |
| USAA | $1628 | $274 |
| State Farm | $1873 | $315 |
| Cal Casualty | $2875 | $488 |
| Allstate | $3297 | $555 |
| Nationwide | $3323 | $565 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Arden are offered by American Family at $725. However, it can be as expensive as $8183 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $725 | $121 |
| USAA | $890 | $151 |
| State Farm | $1148 | $193 |
| Progressive | $2090 | $352 |
| Travelers | $2387 | $402 |
| Nationwide | $3903 | $664 |
| Allstate | $8183 | $1364 |
Car insurance rates in Arden have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Arden remained steady at $364 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Arden remained steady at $99 in both December and November, indicating no change over the two month period.
How much is car insurance in Arden?
The car insurance in Arden is $65 per month, which is lower than the national average.
What is the cheapest car insurance in Arden?
The cheapest car insurance in Arden is $134 per month for full coverage.
How much is car insurance in Arden for teenagers?
Car insurance for teenagers costs $1839 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Arden?
The average cost of car insurance is $1261 for a six-month policy. It will cost around $235 per month to insure your car in Arden.
Is car insurance expensive in Arden?
Car insurance can be expensive in Arden if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Arden can be affordable.
What is the best car insurance in Arden, DE?
The best car insurance company in Arden DE is Travelers, offering $798 for a six-month policy.
Cut auto insurance costs in Arden right now.