Cheapest Car Insurance Quotes in Camden

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Camden Car Insurance

^$ 55

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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.

Table of Contents

How Much Is Car Insurance in Camden

The car insurance rate in Camden is $1173 for a six-month policy, which is $88 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $669, making it a popular choice for budget-conscious drivers. Rates in Camden 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.

Avg. Car Insurance in Camden

$1173

Avg. Car Insurance in Delaware

$1261

National Average

$1140

Cheapest Car Insurance Companies in Camden

1st place: Travelers

At $669 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $895 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $900 for six months, making it the third cheapest auto insurance company in Camden.

Camden Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Camden, DE is Travelers, offering policies at just $669 for a six-month term. This is followed by USAA, which has an average six-month premium of $895.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2132 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Camden drivers find the best deals.

Cheap Car Insurance Companies in Camden, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$669	$113
USAA	$895	$151
State Farm	$900	$152
Cal Casualty	$994	$166
Encompass	$1066	$181
Progressive	$1171	$197
California Casualty	$1309	$220
Nationwide	$1420	$236
Allstate	$2132	$359

Key Takeaways

Way's key takeaways about car insurance in Camden

The auto insurance costs in Camden fall around $669 for six months.
The cheapest auto insurance company in Camden is Travelers.
Teen drivers pay the highest rate in Camden at $1434 per month.

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Cheapest Minimum Liability Car Insurance in Camden

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 Camden are given below.

Travelers provides the cheapest minimum car insurance coverage in Camden. Their Average 6 Month Premium is $326. Encompass is the most expensive at $547 for the same period.

Cheapest Liability Coverage in Camden, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$326	$55
USAA	$326	$55
California Casualty	$415	$70
Cal Casualty	$419	$72
Farmers	$431	$72
State Farm	$486	$82
Progressive	$536	$90
Nationwide	$746	$126
Allstate	$1138	$192
Encompass	$547	$91

Cheapest Full Coverage Car Insurance in Camden

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 Camden is Travelers at $113 per month and $669 for six months.

Cheapest Full Coverage Car Insurance Quotes in Camden, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$669	$113
USAA	$895	$151
State Farm	$900	$152
Cal Casualty	$994	$166
Encompass	$1066	$181
Progressive	$1171	$197
California Casualty	$1309	$220
Nationwide	$1420	$236
Allstate	$2132	$359

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Average Car Insurance in Camden by Rating Factor

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.

I have a clean driving record. Why is my car insurance rate here in Camden, DE increasing?

Despite maintaining a clean driving record, your car insurance rates in Camden, 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, Camden's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Camden

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Camden,DE

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Camden at $259 per month. At $8607 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$1541	$259
USAA	$1680	$280
Progressive	$2834	$477
Travelers	$4038	$680
Nationwide	$5850	$995
Allstate	$8607	$1434

Teen Car Insurance Rates in DE by Age

Car Insurance Rates by Credit Score & Driving History

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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Camden, Travelers is the cheapest car insurance provider. At $1044 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 Camden is Allstate, offering rates of around $2304 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1044	$176
Progressive	$1188	$200
USAA	$1497	$249
Nationwide	$1961	$334
State Farm	$2155	$359
Allstate	$2304	$388

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Car Insurance Rates with An Accident in Camden

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 Camden, DE, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Camden

The cheapest car insurance companies after an at-fault accident in Camden include Travelers and USAA, offering $547 and $558, respectively. Allstate is an expensive provider with an average six-month premium of $3873.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$547	$92
USAA	$558	$94
California Casualty	$724	$121
Encompass	$740	$126
State Farm	$757	$127
American Family	$801	$136
Progressive	$1039	$175
Nationwide	$2144	$365
Allstate	$3873	$645

Camden Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Camden DE. For example, the car insurance in Camden after a DUI increases to $1017 for a six month policy. While the rate increases by $260 for a six-month policy in the case of a speeding ticket.

Camden auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1182	$197
One Med/PIP claim	$1182	$201
Two Med/PIP claims	$1210	$202
One comp claim	$1221	$207
Not-at-fault accident	$1243	$207
Two comp claims	$1254	$213
Failure to show documents	$1348	$225
Driving with expired registration	$1409	$240
Failure to wear a seat belt	$1409	$234
Child safety restraint	$1426	$243
Driving without lights	$1426	$237
Speeding 11 - 15 MPH over limit	$1442	$246
Speeding 6 - 10 MPH over limit	$1442	$240
Driving too slowly	$1453	$247
Speeding in school zone	$1453	$242
Cell phone violation	$1458	$248
Following too closely	$1458	$243
Speeding 16 - 20 MPH over limit	$1458	$248
Texting while driving	$1458	$243
At-fault accident - less than $1000	$1475	$251
Failure to stop at a red light	$1475	$246
Failure to yield	$1475	$251
Illegal turn	$1475	$246
Improper passing	$1475	$251
Wrong way/wrong lane	$1475	$246
Speeding 21 - 25 MPH over limit	$1492	$254
Passing school bus	$1514	$252
Open container	$1602	$272
At-fault accident - $1000-$2000	$1629	$272
At-fault accident - greater than $2000	$1646	$280
In 65 MPH zone	$1657	$276
Operating a vehicle without permission	$1691	$287
Reckless driving	$2132	$355
Refusal to submit to a chemical test	$2182	$371
Driving with a suspended license	$2193	$365
DUI	$2199	$374
Racing	$2226	$371
Leaving scene of an accident/hit and run	$2298	$391

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Way Tip

Avoid Having A DUI On Your Driving Record.

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.

Car Insurance Rates in Camden after a DUI

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 Camden.

The cheapest car insurance premiums in Camden are offered by Travelers at $906 for a six-month policy. However, it can be as expensive as $2784 with companies like Nationwide.

Camden car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$906	$153
Progressive	$1176	$198
USAA	$1364	$230
State Farm	$1569	$264
Cal Casualty	$2409	$409
Allstate	$2762	$465
Nationwide	$2784	$473

Cheapest car insurance after a speeding ticket

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 Camden are offered by American Family at $607. However, it can be as expensive as $6856 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Camden after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$607	$101
USAA	$746	$126
State Farm	$962	$162
Progressive	$1751	$295
Travelers	$2000	$337
Nationwide	$3270	$556
Allstate	$6856	$1143

Car Insurance Price Trends in Camden, Delaware

Car insurance rates in Camden have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Camden remained steady at $305 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Camden remained steady at $83 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Camden?

The car insurance in Camden is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Camden?

The cheapest car insurance in Camden is $113 per month for full coverage.

How much is car insurance in Camden for teenagers?

Car insurance for teenagers costs $1541 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 Camden?

The average cost of car insurance is $1261 for a six-month policy. It will cost around $197 per month to insure your car in Camden.

Is car insurance expensive in Camden?

Car insurance can be expensive in Camden if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Camden can be affordable.

What is the best car insurance in Camden, DE?

The best car insurance company in Camden DE is Travelers, offering $669 for a six-month policy.