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Finding the cheapest car insurance quotes in Edgemoor 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 Edgemoor
The car insurance rate in Edgemoor is $1746 for a six-month policy, which is $382 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1034, making it a popular choice for budget-conscious drivers. Rates in Edgemoor 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 $1034 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1324 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Cal Casualty
Cal Casualty offers auto insurance
rates at $1368
for six months, making it
the third cheapest auto insurance company in Edgemoor.
Edgemoor Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Edgemoor, DE is Travelers, offering policies at just $1034 for a six-month term. This is followed by USAA, which has an average six-month premium of $1324.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3057 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Edgemoor drivers find the best deals.
Way's key takeaways about car insurance in Edgemoor
The auto insurance costs in Edgemoor fall around $1034 for six
months.
The cheapest auto insurance company in Edgemoor is Travelers.
Teen drivers pay the highest rate in Edgemoor at $2111 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 Edgemoor
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 Edgemoor are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Edgemoor. Their Average 6 Month Premium is $403.
Encompass is the most
expensive at $753 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 Edgemoor is Travelers
at $174 per month and $1034
for six months.
Cheapest Full Coverage Car Insurance Quotes in Edgemoor,
DE
Get Your Car Insurance Quote in Edgemoor
Instantly!
Average Car Insurance in Edgemoor 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 Edgemoor, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Edgemoor, 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, Edgemoor's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Edgemoor
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
Edgemoor,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Edgemoor at $485
per
month. At $12667 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 Edgemoor.
As young drivers face the highest rates in Edgemoor, 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 Edgemoor,
Progressive is
the cheapest car insurance provider. At $1725 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
Edgemoor is Sentry, offering
rates of around $6432 for six
months.
Save up to $971/yr on car insurance rates in Edgemoor.
Car Insurance Rates with An Accident in Edgemoor
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 Edgemoor, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Edgemoor
The cheapest car insurance companies after an at-fault accident in
Edgemoor include USAA
and California Casualty, offering $943
and $996,
respectively. Sentry is an expensive provider
with an average six-month premium of
$8516.
Here is a list of driving violations that can increase your car
insurance rates in Edgemoor DE. For example, the car
insurance in Edgemoor
after a DUI increases to $1399 for a six
month policy. While the rate increases by $357 for a six-month policy in the case of
a speeding ticket.
Edgemoor auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1627
$271
One Med/PIP claim
$1627
$276
Two Med/PIP claims
$1665
$278
One comp claim
$1681
$285
Not-at-fault accident
$1711
$285
Two comp claims
$1725
$293
Failure to show documents
$1855
$310
Driving with expired registration
$1939
$330
Failure to wear a seat belt
$1939
$323
Child safety restraint
$1962
$334
Driving without lights
$1962
$326
Speeding 11 - 15 MPH over limit
$1984
$338
Speeding 6 - 10 MPH over limit
$1984
$330
Driving too slowly
$1999
$340
Speeding in school zone
$1999
$333
Cell phone violation
$2007
$342
Following too closely
$2007
$334
Speeding 16 - 20 MPH over limit
$2007
$342
Texting while driving
$2007
$334
At-fault accident - less than $1000
$2030
$346
Failure to stop at a red light
$2030
$338
Failure to yield
$2030
$346
Illegal turn
$2030
$338
Improper passing
$2030
$346
Wrong way/wrong lane
$2030
$338
Speeding 21 - 25 MPH over limit
$2053
$349
Passing school bus
$2084
$347
Open container
$2205
$375
At-fault accident - $1000-$2000
$2243
$374
At-fault accident - greater than $2000
$2266
$385
In 65 MPH zone
$2281
$380
Operating a vehicle without permission
$2327
$396
Reckless driving
$2935
$489
Refusal to submit to a chemical test
$3003
$511
Driving with a suspended license
$3018
$503
DUI
$3026
$515
Racing
$3064
$511
Leaving scene of an accident/hit and run
$3163
$538
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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 Edgemoor 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 Edgemoor.
The cheapest car insurance premiums in
Edgemoor are
offered by Progressive at $1673 for a six-month policy.
However, it can be as
expensive as $6592 with companies
like Sentry.
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 Edgemoor are offered by American Family
at $836. However,
it can be as expensive as $9405
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Edgemoor after Speeding ticket
Car insurance rates in Edgemoor have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Edgemoor rose by
$515 in January
compared to $420 of December. In other words, there has been an increase by $95 when you
compare January and December.
The average cost of liability insurance in the Edgemoor dipped to $101 in January,
compared to $114 in December.
This represents an decrease of $13
when comparing January and December.
Average Car Insurance Cost in Edgemoor 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
Edgemoor. At $N/A for a
six-month policy, insuring
your car at N/A 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 Edgemoor?
The car insurance in Edgemoor is $68 per month, which is lower than the national average.
What is the cheapest car insurance in Edgemoor?
The cheapest car insurance in Edgemoor
is $174 per month
for full coverage.
How much is car insurance in Edgemoor for teenagers?
Car insurance for teenagers costs $2881 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
Edgemoor?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $293 per month to insure your
car in Edgemoor.
Is car insurance expensive in Edgemoor?
Car insurance can be expensive in Edgemoor if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Edgemoor can be
affordable.
What is the best car insurance in Edgemoor,
DE?
The best car insurance company in Edgemoor
DE is
Travelers, offering $1034 for a
six-month policy.
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