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Bear 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 Bear is $1664 for a six-month policy, which is $300 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $986, making it a popular choice for budget-conscious drivers. Rates in Bear 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 $986 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.
USAA offers auto insurance rates at $1261 for a six-month policy, making it one of the cheapest to insure with.
Cal Casualty offers auto insurance rates at $1304 for six months, making it the third cheapest auto insurance company in Bear.
Based on our research, the cheapest car insurance company in Bear, DE is Travelers, offering policies at just $986 for a six-month term. This is followed by USAA, which has an average six-month premium of $1261.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2913 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bear drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $986 | $166 |
| USAA | $1261 | $212 |
| Cal Casualty | $1304 | $217 |
| State Farm | $1333 | $224 |
| Farmers | $1385 | $231 |
| Encompass | $1398 | $238 |
| Progressive | $1558 | $262 |
| California Casualty | $1718 | $289 |
| Nationwide | $2181 | $364 |
| Donegal | $2275 | $387 |
| Allstate | $2913 | $490 |
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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 Bear are given below.
Travelers provides the cheapest minimum car insurance coverage in Bear. Their Average 6 Month Premium is $384. Encompass is the most expensive at $717 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $384 | $65 |
| USAA | $414 | $70 |
| California Casualty | $544 | $92 |
| Cal Casualty | $550 | $92 |
| Farmers | $565 | $96 |
| State Farm | $666 | $112 |
| Progressive | $673 | $113 |
| Allstate | $1247 | $207 |
| Nationwide | $978 | $166 |
| Encompass | $717 | $120 |
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 Bear is Travelers at $166 per month and $986 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $986 | $166 |
| USAA | $1261 | $212 |
| Cal Casualty | $1304 | $217 |
| State Farm | $1333 | $224 |
| Farmers | $1385 | $231 |
| Encompass | $1398 | $238 |
| Progressive | $1558 | $262 |
| California Casualty | $1718 | $289 |
| Nationwide | $2181 | $364 |
| Donegal | $2275 | $387 |
| Allstate | $2913 | $490 |
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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 Bear, 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, Bear'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 Bear at $462 per month. At $12073 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $2746 | $462 |
| USAA | $2935 | $499 |
| Progressive | $4008 | $675 |
| Farmers | $5689 | $967 |
| Donegal | $6348 | $1058 |
| Travelers | $7239 | $1219 |
| Sentry | $7776 | $1296 |
| Nationwide | $9080 | $1545 |
| Allstate | $12073 | $2012 |
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 Bear, Progressive is the cheapest car insurance provider. At $1645 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 Bear is Sentry, offering rates of around $6131 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $1645 | $277 |
| Travelers | $1804 | $304 |
| USAA | $2522 | $421 |
| Nationwide | $3022 | $514 |
| Farmers | $3174 | $529 |
| Allstate | $3210 | $540 |
| State Farm | $4037 | $672 |
| Donegal | $4493 | $764 |
| Sentry | $6131 | $1022 |
Save up to $971/yr on car insurance rates in Bear.
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 Bear, DE, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Bear include USAA and California Casualty, offering $899 and $949, respectively. Sentry is an expensive provider with an average six-month premium of $8117.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $899 | $151 |
| California Casualty | $949 | $161 |
| Encompass | $971 | $162 |
| American Family | $1050 | $178 |
| State Farm | $1146 | $193 |
| Travelers | $1385 | $233 |
| Progressive | $1391 | $234 |
| Farmers | $1848 | $315 |
| Donegal | $2442 | $407 |
| Nationwide | $3320 | $565 |
| Allstate | $5479 | $913 |
| Sentry | $8117 | $1380 |
Here is a list of driving violations that can increase your car insurance rates in Bear DE. For example, the car insurance in Bear after a DUI increases to $1333 for a six month policy. While the rate increases by $340 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1551 | $259 |
| One Med/PIP claim | $1551 | $264 |
| Two Med/PIP claims | $1587 | $265 |
| One comp claim | $1602 | $272 |
| Not-at-fault accident | $1631 | $272 |
| Two comp claims | $1645 | $279 |
| Failure to show documents | $1768 | $295 |
| Driving with expired registration | $1848 | $315 |
| Failure to wear a seat belt | $1848 | $307 |
| Child safety restraint | $1870 | $318 |
| Driving without lights | $1870 | $311 |
| Speeding 11 - 15 MPH over limit | $1891 | $322 |
| Speeding 6 - 10 MPH over limit | $1891 | $315 |
| Driving too slowly | $1906 | $325 |
| Speeding in school zone | $1906 | $317 |
| Cell phone violation | $1913 | $326 |
| Following too closely | $1913 | $318 |
| Speeding 16 - 20 MPH over limit | $1913 | $326 |
| Texting while driving | $1913 | $318 |
| At-fault accident - less than $1000 | $1935 | $329 |
| Failure to stop at a red light | $1935 | $322 |
| Failure to yield | $1935 | $329 |
| Illegal turn | $1935 | $322 |
| Improper passing | $1935 | $329 |
| Wrong way/wrong lane | $1935 | $322 |
| Speeding 21 - 25 MPH over limit | $1957 | $333 |
| Passing school bus | $1986 | $331 |
| Open container | $2102 | $357 |
| At-fault accident - $1000-$2000 | $2137 | $356 |
| At-fault accident - greater than $2000 | $2159 | $367 |
| In 65 MPH zone | $2174 | $362 |
| Operating a vehicle without permission | $2218 | $377 |
| Reckless driving | $2797 | $466 |
| Refusal to submit to a chemical test | $2862 | $487 |
| Driving with a suspended license | $2877 | $479 |
| DUI | $2884 | $490 |
| Racing | $2921 | $487 |
| Leaving scene of an accident/hit and run | $3015 | $512 |
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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 Bear.
The cheapest car insurance premiums in Bear are offered by Progressive at $1595 for a six-month policy. However, it can be as expensive as $6283 with companies like Sentry.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $1595 | $268 |
| Travelers | $2014 | $339 |
| USAA | $2109 | $355 |
| State Farm | $2558 | $431 |
| Cal Casualty | $3160 | $527 |
| Donegal | $3660 | $622 |
| Allstate | $3776 | $636 |
| Farmers | $3906 | $664 |
| Nationwide | $4311 | $719 |
| Sentry | $6283 | $1069 |
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 Bear are offered by American Family at $797. However, it can be as expensive as $8965 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $797 | $133 |
| USAA | $1261 | $215 |
| State Farm | $1587 | $267 |
| Progressive | $2305 | $388 |
| Farmers | $3320 | $553 |
| Donegal | $3414 | $581 |
| Sentry | $4667 | $778 |
| Nationwide | $4769 | $811 |
| Travelers | $4870 | $820 |
| Allstate | $8965 | $1524 |
Car insurance rates in Bear have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Bear rose by $490 in January compared to $400 of December. In other words, there has been an increase by $90 when you compare January and December.
The average cost of liability insurance in the Bear dipped to $96 in January, compared to $109 in December. This represents an decrease of $13 when comparing January and December.
How much is car insurance in Bear?
The car insurance in Bear is $65 per month, which is lower than the national average.
What is the cheapest car insurance in Bear?
The cheapest car insurance in Bear is $166 per month for full coverage.
How much is car insurance in Bear for teenagers?
Car insurance for teenagers costs $2746 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 Bear?
The average cost of car insurance is $1364 for a six-month policy. It will cost around $279 per month to insure your car in Bear.
Is car insurance expensive in Bear?
Car insurance can be expensive in Bear if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bear can be affordable.
What is the best car insurance in Bear, DE?
The best car insurance company in Bear DE is Travelers, offering $986 for a six-month policy.
Cut auto insurance costs in Bear right now.