We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Cheswold shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Cheswold
The car insurance rate in Cheswold is $1198 for a six-month policy, which is $63 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $683, making it a popular choice for budget-conscious drivers. Rates in Cheswold 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 $683 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $914 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 $920
for six months, making it
the third cheapest auto insurance company in Cheswold.
Cheswold Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cheswold, DE is Travelers, offering policies at just $683 for a six-month term. This is followed by USAA, which has an average six-month premium of $914.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2178 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cheswold drivers find the best deals.
Way's key takeaways about car insurance in Cheswold
The auto insurance costs in Cheswold fall around $683 for six
months.
The cheapest auto insurance company in Cheswold is Travelers.
Teen drivers pay the highest rate in Cheswold at $1465 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Cheswold
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 Cheswold are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Cheswold. Their Average 6 Month Premium is $333.
Encompass is the most
expensive at $559 for the same
period.
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 Cheswold is Travelers
at $115 per month and $683
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cheswold,
DE
Get Your Car Insurance Quote in Cheswold
Instantly!
Average Car Insurance in Cheswold 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 Cheswold, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cheswold, 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, Cheswold's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cheswold
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Cheswold,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Cheswold at $265
per
month. At $8792 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Cheswold.
As young drivers face the highest rates in Cheswold, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Cheswold,
Travelers is
the cheapest car insurance provider. At $1067 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
Cheswold is Allstate, offering
rates of around $2353 for six
months.
Save up to $971/yr on car insurance rates in Cheswold.
Car Insurance Rates with An Accident in Cheswold
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 Cheswold, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cheswold
The cheapest car insurance companies after an at-fault accident in
Cheswold include Travelers
and USAA, offering $559
and $570,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3956.
Here is a list of driving violations that can increase your car
insurance rates in Cheswold DE. For example, the car
insurance in Cheswold
after a DUI increases to $1039 for a six
month policy. While the rate increases by $266 for a six-month policy in the case of
a speeding ticket.
Cheswold auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1207
$201
One Med/PIP claim
$1207
$205
Two Med/PIP claims
$1236
$206
One comp claim
$1247
$212
Not-at-fault accident
$1270
$212
Two comp claims
$1281
$218
Failure to show documents
$1377
$230
Driving with expired registration
$1439
$245
Failure to wear a seat belt
$1439
$239
Child safety restraint
$1456
$248
Driving without lights
$1456
$242
Speeding 11 - 15 MPH over limit
$1473
$251
Speeding 6 - 10 MPH over limit
$1473
$245
Driving too slowly
$1484
$253
Speeding in school zone
$1484
$247
Cell phone violation
$1490
$254
Following too closely
$1490
$248
Speeding 16 - 20 MPH over limit
$1490
$254
Texting while driving
$1490
$248
At-fault accident - less than $1000
$1507
$257
Failure to stop at a red light
$1507
$251
Failure to yield
$1507
$257
Illegal turn
$1507
$251
Improper passing
$1507
$257
Wrong way/wrong lane
$1507
$251
Speeding 21 - 25 MPH over limit
$1524
$259
Passing school bus
$1547
$257
Open container
$1637
$278
At-fault accident - $1000-$2000
$1664
$277
At-fault accident - greater than $2000
$1682
$286
In 65 MPH zone
$1693
$282
Operating a vehicle without permission
$1727
$294
Reckless driving
$2178
$363
Refusal to submit to a chemical test
$2229
$379
Driving with a suspended license
$2240
$373
DUI
$2246
$382
Racing
$2274
$379
Leaving scene of an accident/hit and run
$2347
$399
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Cheswold 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 Cheswold.
The cheapest car insurance premiums in
Cheswold are
offered by Travelers at $925 for a six-month policy.
However, it can be as
expensive as $2844 with companies
like Nationwide.
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 Cheswold are offered by American Family
at $620. However,
it can be as expensive as $7003
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Cheswold after Speeding ticket
Car insurance rates in Cheswold have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cheswold remained steady at $312 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Cheswold remained steady at $85 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Cheswold by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cheswold. At $2395 for a
six-month policy, insuring
your car at 19936 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Cheswold?
The car insurance in Cheswold is $56 per month, which is lower than the national average.
What is the cheapest car insurance in Cheswold?
The cheapest car insurance in Cheswold
is $115 per month
for full coverage.
How much is car insurance in Cheswold for teenagers?
Car insurance for teenagers costs $1574 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
Cheswold?
The average cost of car insurance is $1261 for a six-month
policy. It will cost around $201 per month to insure your
car in Cheswold.
Is car insurance expensive in Cheswold?
Car insurance can be expensive in Cheswold if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cheswold can be
affordable.
What is the best car insurance in Cheswold,
DE?
The best car insurance company in Cheswold
DE is
Travelers, offering $683 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Cheswold right now.
Find Car Insurance Rates in Cities Near Cheswold, DE
Cheswold Car Insurance
