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Finding the cheapest car insurance quotes in Ellendale 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 Ellendale
The car insurance rate in Ellendale is $1148 for a six-month policy, which is $113 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $654, making it a popular choice for budget-conscious drivers. Rates in Ellendale 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 $654 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $875 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 $881
for six months, making it
the third cheapest auto insurance company in Ellendale.
Ellendale Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Ellendale, DE is Travelers, offering policies at just $654 for a six-month term. This is followed by USAA, which has an average six-month premium of $875.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2087 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ellendale drivers find the best deals.
Way's key takeaways about car insurance in Ellendale
The auto insurance costs in Ellendale fall around $654 for six
months.
The cheapest auto insurance company in Ellendale is Travelers.
Teen drivers pay the highest rate in Ellendale at $1403 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 Ellendale
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 Ellendale are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Ellendale. Their Average 6 Month Premium is $319.
Encompass is the most
expensive at $535 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 Ellendale is Travelers
at $110 per month and $654
for six months.
Cheapest Full Coverage Car Insurance Quotes in Ellendale,
DE
Get Your Car Insurance Quote in Ellendale
Instantly!
Average Car Insurance in Ellendale 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 Ellendale, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Ellendale, 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, Ellendale's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Ellendale
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
Ellendale,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Ellendale at $254
per
month. At $8422 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 Ellendale.
As young drivers face the highest rates in Ellendale, 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 Ellendale,
Travelers is
the cheapest car insurance provider. At $1022 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
Ellendale is Allstate, offering
rates of around $2254 for six
months.
Save up to $971/yr on car insurance rates in Ellendale.
Car Insurance Rates with An Accident in Ellendale
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 Ellendale, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Ellendale
The cheapest car insurance companies after an at-fault accident in
Ellendale include Travelers
and USAA, offering $535
and $546,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3789.
Here is a list of driving violations that can increase your car
insurance rates in Ellendale DE. For example, the car
insurance in Ellendale
after a DUI increases to $994 for a six
month policy. While the rate increases by $254 for a six-month policy in the case of
a speeding ticket.
Ellendale auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1157
$193
One Med/PIP claim
$1157
$197
Two Med/PIP claims
$1184
$197
One comp claim
$1195
$203
Not-at-fault accident
$1217
$203
Two comp claims
$1227
$208
Failure to show documents
$1319
$220
Driving with expired registration
$1379
$235
Failure to wear a seat belt
$1379
$229
Child safety restraint
$1395
$238
Driving without lights
$1395
$232
Speeding 11 - 15 MPH over limit
$1411
$240
Speeding 6 - 10 MPH over limit
$1411
$235
Driving too slowly
$1421
$242
Speeding in school zone
$1421
$237
Cell phone violation
$1427
$243
Following too closely
$1427
$238
Speeding 16 - 20 MPH over limit
$1427
$243
Texting while driving
$1427
$238
At-fault accident - less than $1000
$1443
$246
Failure to stop at a red light
$1443
$240
Failure to yield
$1443
$246
Illegal turn
$1443
$240
Improper passing
$1443
$246
Wrong way/wrong lane
$1443
$240
Speeding 21 - 25 MPH over limit
$1460
$248
Passing school bus
$1481
$247
Open container
$1568
$267
At-fault accident - $1000-$2000
$1594
$266
At-fault accident - greater than $2000
$1611
$274
In 65 MPH zone
$1622
$270
Operating a vehicle without permission
$1654
$281
Reckless driving
$2087
$348
Refusal to submit to a chemical test
$2135
$363
Driving with a suspended license
$2146
$358
DUI
$2151
$366
Racing
$2179
$363
Leaving scene of an accident/hit and run
$2249
$382
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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 Ellendale 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 Ellendale.
The cheapest car insurance premiums in
Ellendale are
offered by Travelers at $886 for a six-month policy.
However, it can be as
expensive as $2725 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 Ellendale are offered by American Family
at $594. However,
it can be as expensive as $6709
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Ellendale after Speeding ticket
Car insurance rates in Ellendale have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Ellendale remained steady at $298 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Ellendale remained steady at $81 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Ellendale 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
Ellendale. At $2295 for a
six-month policy, insuring
your car at 19941 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 Ellendale?
The car insurance in Ellendale is $54 per month, which is lower than the national average.
What is the cheapest car insurance in Ellendale?
The cheapest car insurance in Ellendale
is $110 per month
for full coverage.
How much is car insurance in Ellendale for teenagers?
Car insurance for teenagers costs $1508 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
Ellendale?
The average cost of car insurance is $1261 for a six-month
policy. It will cost around $193 per month to insure your
car in Ellendale.
Is car insurance expensive in Ellendale?
Car insurance can be expensive in Ellendale if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Ellendale can be
affordable.
What is the best car insurance in Ellendale,
DE?
The best car insurance company in Ellendale
DE is
Travelers, offering $654 for a
six-month policy.
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