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Key Takeaways

  • Bear has its average car insurance rates higher than that of the national average.
  • USAA provides the cheapest car insurance rates in Bear.


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.

How much does car insurance cost in Bear?

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

Auto Insurance Requirements in Bear

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.

  • $25,000 per person for bodily injury
  • $50,000 per accident for injuries to people
  • $10,000 of property damage liability coverage

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Bear Auto Insurance Premiums by Company

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

Bear Auto Insurance Premiums by Age Group

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.

Age Bracket Average Yearly Rate
18-20 $4470
21-24 $3673
25-34 $3188
35-44 $2879
45-54 $2845
55-64 $2469
65+ $2552

Bear Auto Insurance Premiums by Marital Status

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

Bear Auto Insurance Premiums by Gender

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

Bear Auto Insurance Premiums by Driving Record

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

How to get Cheap Auto Insurance in Bear?

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.

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What would increase your car insurance rate in Bear?

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.

  • Road Safety
  • Regulations in the area
  • Off-street parking
  • Percentage of car owners and drivers

Auto Theft Statistics in Bear

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.

Best Car Insurance Companies in Bear

Insurance Company
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

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’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


If you have a DUI, how much will your car insurance cost in Bear?

Your car insurance in Bear might go up by as much as 11% if you have a DUI on your record.

What does car insurance cost in Bear?

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.

How much does your car insurance go up in Bear if you get a ticket for speeding?

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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Learn more by city and state for car insurance

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