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Finding the cheapest car insurance quotes in Elsmere 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 Elsmere
The car insurance rate in Elsmere is $1760 for a six-month policy, which is $396 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1042, making it a popular choice for budget-conscious drivers. Rates in Elsmere 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 $1042 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1334 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 $1379
for six months, making it
the third cheapest auto insurance company in Elsmere.
Elsmere Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Elsmere, DE is Travelers, offering policies at just $1042 for a six-month term. This is followed by USAA, which has an average six-month premium of $1334.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3081 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elsmere drivers find the best deals.
Way's key takeaways about car insurance in Elsmere
The auto insurance costs in Elsmere fall around $1042 for six
months.
The cheapest auto insurance company in Elsmere is Travelers.
Teen drivers pay the highest rate in Elsmere at $2127 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 Elsmere
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 Elsmere are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Elsmere. Their Average 6 Month Premium is $406.
Encompass is the most
expensive at $759 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 Elsmere is Travelers
at $175 per month and $1042
for six months.
Cheapest Full Coverage Car Insurance Quotes in Elsmere,
DE
Get Your Car Insurance Quote in Elsmere
Instantly!
Average Car Insurance in Elsmere 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 Elsmere, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Elsmere, 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, Elsmere's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Elsmere
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
Elsmere,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Elsmere at $489
per
month. At $12766 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 Elsmere.
As young drivers face the highest rates in Elsmere, 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 Elsmere,
Progressive is
the cheapest car insurance provider. At $1739 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
Elsmere is Sentry, offering
rates of around $6482 for six
months.
Save up to $971/yr on car insurance rates in Elsmere.
Car Insurance Rates with An Accident in Elsmere
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 Elsmere, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Elsmere
The cheapest car insurance companies after an at-fault accident in
Elsmere include USAA
and California Casualty, offering $951
and $1004,
respectively. Sentry is an expensive provider
with an average six-month premium of
$8582.
Here is a list of driving violations that can increase your car
insurance rates in Elsmere DE. For example, the car
insurance in Elsmere
after a DUI increases to $1410 for a six
month policy. While the rate increases by $360 for a six-month policy in the case of
a speeding ticket.
Elsmere auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1640
$273
One Med/PIP claim
$1640
$279
Two Med/PIP claims
$1678
$280
One comp claim
$1694
$288
Not-at-fault accident
$1725
$288
Two comp claims
$1739
$295
Failure to show documents
$1869
$312
Driving with expired registration
$1954
$333
Failure to wear a seat belt
$1954
$325
Child safety restraint
$1978
$337
Driving without lights
$1978
$329
Speeding 11 - 15 MPH over limit
$2000
$341
Speeding 6 - 10 MPH over limit
$2000
$333
Driving too slowly
$2015
$343
Speeding in school zone
$2015
$335
Cell phone violation
$2023
$344
Following too closely
$2023
$337
Speeding 16 - 20 MPH over limit
$2023
$344
Texting while driving
$2023
$337
At-fault accident - less than $1000
$2046
$348
Failure to stop at a red light
$2046
$341
Failure to yield
$2046
$348
Illegal turn
$2046
$341
Improper passing
$2046
$348
Wrong way/wrong lane
$2046
$341
Speeding 21 - 25 MPH over limit
$2069
$352
Passing school bus
$2100
$350
Open container
$2223
$378
At-fault accident - $1000-$2000
$2260
$377
At-fault accident - greater than $2000
$2283
$388
In 65 MPH zone
$2299
$383
Operating a vehicle without permission
$2345
$399
Reckless driving
$2958
$493
Refusal to submit to a chemical test
$3026
$515
Driving with a suspended license
$3042
$507
DUI
$3050
$519
Racing
$3088
$515
Leaving scene of an accident/hit and run
$3188
$542
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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 Elsmere 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 Elsmere.
The cheapest car insurance premiums in
Elsmere are
offered by Progressive at $1686 for a six-month policy.
However, it can be as
expensive as $6644 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 Elsmere are offered by American Family
at $842. However,
it can be as expensive as $9479
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Elsmere after Speeding ticket
Car insurance rates in Elsmere have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Elsmere rose by
$519 in January
compared to $423 of December. In other words, there has been an increase by $96 when you
compare January and December.
The average cost of liability insurance in the Elsmere dipped to $102 in January,
compared to $115 in December.
This represents an decrease of $13
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Elsmere. 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 Elsmere?
The car insurance in Elsmere is $68 per month, which is lower than the national average.
What is the cheapest car insurance in Elsmere?
The cheapest car insurance in Elsmere
is $175 per month
for full coverage.
How much is car insurance in Elsmere for teenagers?
Car insurance for teenagers costs $2904 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
Elsmere?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $295 per month to insure your
car in Elsmere.
Is car insurance expensive in Elsmere?
Car insurance can be expensive in Elsmere if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Elsmere can be
affordable.
What is the best car insurance in Elsmere,
DE?
The best car insurance company in Elsmere
DE is
Travelers, offering $1042 for a
six-month policy.
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Elsmere Car Insurance
