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Finding the cheapest car insurance quotes in Delaware City 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 Delaware City
The car insurance rate in Delaware City is $1589 for a six-month policy, which is $328 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $906, making it a popular choice for budget-conscious drivers. Rates in Delaware City 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 $906 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1212 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 $1220
for six months, making it
the third cheapest auto insurance company in Delaware City.
Delaware City Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Delaware City, DE is Travelers, offering policies at just $906 for a six-month term. This is followed by USAA, which has an average six-month premium of $1212.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2889 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Delaware City drivers find the best deals.
Cheap Car Insurance Companies in Delaware City, DE
Way's key takeaways about car insurance in Delaware City
The auto insurance costs in Delaware City fall around $906 for six
months.
The cheapest auto insurance company in Delaware City is Travelers.
Teen drivers pay the highest rate in Delaware City at $1943 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 Delaware City
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 Delaware City are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Delaware City. Their Average 6 Month Premium is $441.
Encompass is the most
expensive at $741 for the same
period.
Cheapest Full Coverage Car Insurance in Delaware City
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 Delaware City is Travelers
at $152 per month and $906
for six months.
Cheapest Full Coverage Car Insurance Quotes in Delaware City,
DE
Get Your Car Insurance Quote in Delaware City
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Average Car Insurance in Delaware City 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 Delaware City, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Delaware City, 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, Delaware City's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Delaware City
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
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Cheapest Car Insurance Rates for Teen Drivers in
Delaware City,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Delaware City at $352
per
month. At $11661 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 Delaware City.
As young drivers face the highest rates in Delaware City, 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 Delaware City,
Travelers is
the cheapest car insurance provider. At $1415 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
Delaware City is Allstate, offering
rates of around $3121 for six
months.
Save up to $971/yr on car insurance rates in Delaware City.
Car Insurance Rates with An Accident in Delaware City
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 Delaware City, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Delaware City
The cheapest car insurance companies after an at-fault accident in
Delaware City include Travelers
and USAA, offering $741
and $756,
respectively. Allstate is an expensive provider
with an average six-month premium of
$5247.
Here is a list of driving violations that can increase your car
insurance rates in Delaware City DE. For example, the car
insurance in Delaware City
after a DUI increases to $1378 for a six
month policy. While the rate increases by $352 for a six-month policy in the case of
a speeding ticket.
Delaware City auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1601
$267
One Med/PIP claim
$1601
$272
Two Med/PIP claims
$1639
$273
One comp claim
$1654
$281
Not-at-fault accident
$1685
$281
Two comp claims
$1698
$289
Failure to show documents
$1826
$305
Driving with expired registration
$1909
$325
Failure to wear a seat belt
$1909
$318
Child safety restraint
$1932
$329
Driving without lights
$1932
$321
Speeding 11 - 15 MPH over limit
$1953
$333
Speeding 6 - 10 MPH over limit
$1953
$325
Driving too slowly
$1968
$335
Speeding in school zone
$1968
$328
Cell phone violation
$1976
$336
Following too closely
$1976
$329
Speeding 16 - 20 MPH over limit
$1976
$336
Texting while driving
$1976
$329
At-fault accident - less than $1000
$1998
$340
Failure to stop at a red light
$1998
$333
Failure to yield
$1998
$340
Illegal turn
$1998
$333
Improper passing
$1998
$340
Wrong way/wrong lane
$1998
$333
Speeding 21 - 25 MPH over limit
$2021
$344
Passing school bus
$2051
$341
Open container
$2171
$369
At-fault accident - $1000-$2000
$2208
$368
At-fault accident - greater than $2000
$2230
$379
In 65 MPH zone
$2245
$374
Operating a vehicle without permission
$2291
$389
Reckless driving
$2889
$481
Refusal to submit to a chemical test
$2956
$503
Driving with a suspended license
$2971
$495
DUI
$2979
$507
Racing
$3016
$503
Leaving scene of an accident/hit and run
$3113
$529
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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 Delaware City 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 Delaware City.
The cheapest car insurance premiums in
Delaware City are
offered by Travelers at $1227 for a six-month policy.
However, it can be as
expensive as $3772 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 Delaware City are offered by American Family
at $823. However,
it can be as expensive as $9289
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Delaware City after Speeding ticket
Car Insurance Price Trends in Delaware City,
Delaware
Car insurance rates in Delaware City have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Delaware City remained steady at $413 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Delaware City remained steady at $112 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Delaware City 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
Delaware City. At $3177 for a
six-month policy, insuring
your car at 19706 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Delaware City?
The car insurance in Delaware City is $74 per month, which is lower than the national average.
What is the cheapest car insurance in Delaware City?
The cheapest car insurance in Delaware City
is $152 per month
for full coverage.
How much is car insurance in Delaware City for teenagers?
Car insurance for teenagers costs $2088 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
Delaware City?
The average cost of car insurance is $1261 for a six-month
policy. It will cost around $267 per month to insure your
car in Delaware City.
Is car insurance expensive in Delaware City?
Car insurance can be expensive in Delaware City if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Delaware City can be
affordable.
What is the best car insurance in Delaware City,
DE?
The best car insurance company in Delaware City
DE is
Travelers, offering $906 for a
six-month policy.
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Delaware City Car Insurance
