Progressive
$94/mo
General
$93/mo
Allstate
$170/mo
State Farm
$111/mo
CSAA
$114/mo
Progressive
General
Allstate
State Farm
CSAA
Crossroads and small farms define Bear, located in the south of Wilmington, New Castle County, Delaware. Most of the place runs along the highway extending to Delaware Route 896. Housing projects and shopping centers too currently line the place. Cars are the major mode of transportation used in Bear, and you will definitely want to know the most affordable auto insurance rates in the place.
Like in any other place, car insurance rates are driven by a string of driving and non-driving factors. Even if you are someone with a clean driving record, the rates can vary with the model and make of the car, ZIP codes, gender, marital status, and age.
The car insurance rates in the state can be understood by comparing the quotes from different providers. The details of car insurance in Bear are discussed here.
The average annual car insurance cost in Bear, Delaware, is $2028. It is higher than the national and the state average of $1785 and $1557, respectively.
| Bear Average | Delaware Average | National Average |
|---|---|---|
| $2028 | $1785 | $1557 |
Car insurance is mandatory in the state of Delaware; the same applies to Bear as well. A minimum amoun t of liability insurance is required for every car owner.
Comparing auto insurance quotes is the best possible way to ensure affordable insurance rates. There are several insurance providers that offer the best rates in Bear. Among the popular insurance providers in the city, USAA offers the cheapest rates, followed by Travelers.
| Insurance Company | Average Yearly Rate |
|---|---|
| State Farm | $5883 |
| Nationwide | $5564 |
| Travelers | $4214 |
| USAA | $2832 |
| Allstate | $7368 |
No matter where you're from, your age has a significant impact on your premium rates. If you are younger, your insurance premiums will be higher. In Bear, drivers aged 18 pay the highest rate of $4470.
Another non-driving factor that may have an impact on your auto insurance costs is your marital status. Here, divorced drivers pay higher rates than single and married drivers.
| Marital Status | Average Yearly Rate |
|---|---|
| Married | $1452 |
| Single | $2124 |
| Divorced | $2436 |
| Widowed | $1428 |
Regardless of your location or driving history, gender is a crucial non-driving factor that influences insurance premiums in addition to age. In Bear, male drivers pay higher average annual rates than female drivers.
| Gender | Average Yearly Rate |
|---|---|
| Male | $2328 |
| Female | $1716 |
A clean driving record is a good strategy to lower your premium rates if your age does not classify you as a high-risk driver. Your insurance premiums may go up as a result of incidents where you were at fault, speeding fines, and DUI allegations.
| Driving Violation/Incident | Average Yearly Rate |
|---|---|
| Reckless Driving | $3114 |
| Speeding Under 15 | $1278 |
| Accidents | $2568 |
The best way to obtain the best affordable rates in any city is to compare the insurance quotes from different providers. Shopping for car insurance coverage might be time-consuming, but if you do your homework and shop around, you'll be rewarded with better coverage at a lower price.
This will help you get acquainted with insurance discounts like homeowner discounts, student discounts, telematics discounts, and bundle discounts.
An analysis of the best car insurance coverage companies in the city based on financial strength, customer service, protection, and price, all of which might influence your insurance coverage experience, will help you finalize the provider that suits your need.
Your car insurance rates rely on various factors. For example, your location and the different aspects of the place regulate the driving conditions and the insurance rates.
The rate of property crime in Bear is 14 incidents per one thousand residents. When compared to all other communities in America, regardless of their population size, Bear is one of those places where the likelihood of becoming a victim of a property crime is significantly higher than the national average.
| State Farm | Mapfre Insurance |
| Nationwide | Clear Cover |
| Allstate | Esurance |
| First Chicago Insurance Company | USAA |
| Dairyland | Liberty Mutual |
| Safe Auto | General Insurance |
| Safeco Insurance | Amica |
| Gainsco | Elephant |
| Kemper Auto | 21st Century Insurance |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
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.com
Your car insurance in Bear might go up by as much as 11% if you have a DUI on your record.
The average annual car insurance cost in Bear, Delaware, is $2028. It is higher than the national and the state average of $1785 and $1557, respectively.
You should anticipate a 44% increase in your insurance cost if you receive a ticket for speeding through Bear. Also, remember that a more significant rise could result from additional speeding penalties.
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