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 Fenwick Island 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 Fenwick Island
The car insurance rate in Fenwick Island is $1105 for a six-month policy, which is $259 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 Fenwick Island 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.
Cheapest Car Insurance Companies in Fenwick Island
1st place: Travelers
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 $838 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 $866
for six months, making it
the third cheapest auto insurance company in Fenwick Island.
Fenwick Island Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Fenwick Island, 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 $838.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1934 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fenwick Island drivers find the best deals.
Cheap Car Insurance Companies in Fenwick Island, DE
Way's key takeaways about car insurance in Fenwick Island
The auto insurance costs in Fenwick Island fall around $654 for six
months.
The cheapest auto insurance company in Fenwick Island is Travelers.
Teen drivers pay the highest rate in Fenwick Island at $1336 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 Fenwick Island
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 Fenwick Island are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Fenwick Island. Their Average 6 Month Premium is $255.
Encompass is the most
expensive at $476 for the same
period.
Cheapest Full Coverage Car Insurance in Fenwick Island
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 Fenwick Island is Travelers
at $110 per month and $654
for six months.
Cheapest Full Coverage Car Insurance Quotes in Fenwick Island,
DE
Get Your Car Insurance Quote in Fenwick Island
Instantly!
Average Car Insurance in Fenwick Island 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 Fenwick Island, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Fenwick Island, 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, Fenwick Island's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Fenwick Island
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
Fenwick Island,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Fenwick Island at $307
per
month. At $8016 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 Fenwick Island.
As young drivers face the highest rates in Fenwick Island, 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 Fenwick Island,
Progressive is
the cheapest car insurance provider. At $1092 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
Fenwick Island is Sentry, offering
rates of around $4070 for six
months.
Save up to $971/yr on car insurance rates in Fenwick Island.
Car Insurance Rates with An Accident in Fenwick Island
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 Fenwick Island, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Fenwick Island
The cheapest car insurance companies after an at-fault accident in
Fenwick Island include USAA
and California Casualty, offering $597
and $630,
respectively. Sentry is an expensive provider
with an average six-month premium of
$5389.
Here is a list of driving violations that can increase your car
insurance rates in Fenwick Island DE. For example, the car
insurance in Fenwick Island
after a DUI increases to $885 for a six
month policy. While the rate increases by $226 for a six-month policy in the case of
a speeding ticket.
Fenwick Island auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1030
$172
One Med/PIP claim
$1030
$175
Two Med/PIP claims
$1054
$176
One comp claim
$1064
$181
Not-at-fault accident
$1083
$181
Two comp claims
$1092
$185
Failure to show documents
$1174
$196
Driving with expired registration
$1227
$209
Failure to wear a seat belt
$1227
$204
Child safety restraint
$1242
$211
Driving without lights
$1242
$207
Speeding 11 - 15 MPH over limit
$1256
$214
Speeding 6 - 10 MPH over limit
$1256
$209
Driving too slowly
$1265
$215
Speeding in school zone
$1265
$211
Cell phone violation
$1270
$216
Following too closely
$1270
$211
Speeding 16 - 20 MPH over limit
$1270
$216
Texting while driving
$1270
$211
At-fault accident - less than $1000
$1285
$219
Failure to stop at a red light
$1285
$214
Failure to yield
$1285
$219
Illegal turn
$1285
$214
Improper passing
$1285
$219
Wrong way/wrong lane
$1285
$214
Speeding 21 - 25 MPH over limit
$1299
$221
Passing school bus
$1319
$220
Open container
$1396
$237
At-fault accident - $1000-$2000
$1419
$237
At-fault accident - greater than $2000
$1434
$244
In 65 MPH zone
$1443
$241
Operating a vehicle without permission
$1473
$250
Reckless driving
$1857
$309
Refusal to submit to a chemical test
$1900
$323
Driving with a suspended license
$1910
$318
DUI
$1915
$326
Racing
$1939
$323
Leaving scene of an accident/hit and run
$2002
$340
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 Fenwick Island 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 Fenwick Island.
The cheapest car insurance premiums in
Fenwick Island are
offered by Progressive at $1059 for a six-month policy.
However, it can be as
expensive as $4172 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 Fenwick Island are offered by American Family
at $529. However,
it can be as expensive as $5952
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Fenwick Island after Speeding ticket
Car Insurance Price Trends in Fenwick Island,
Delaware
Car insurance rates in Fenwick Island have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Fenwick Island rose by
$326 in January
compared to $266 of December. In other words, there has been an increase by $60 when you
compare January and December.
The average cost of liability insurance in the Fenwick Island dipped to $64 in January,
compared to $72 in December.
This represents an decrease of $8
when comparing January and December.
Average Car Insurance Cost in Fenwick Island 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
Fenwick Island. At $2209 for a
six-month policy, insuring
your car at 19944 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 Fenwick Island?
The car insurance in Fenwick Island is $43 per month, which is lower than the national average.
What is the cheapest car insurance in Fenwick Island?
The cheapest car insurance in Fenwick Island
is $110 per month
for full coverage.
How much is car insurance in Fenwick Island for teenagers?
Car insurance for teenagers costs $1823 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
Fenwick Island?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $185 per month to insure your
car in Fenwick Island.
Is car insurance expensive in Fenwick Island?
Car insurance can be expensive in Fenwick Island if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Fenwick Island can be
affordable.
What is the best car insurance in Fenwick Island,
DE?
The best car insurance company in Fenwick Island
DE is
Travelers, offering $654 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Fenwick Island right now.
Find Car Insurance Rates in Cities Near Fenwick Island, DE
Fenwick Island Car Insurance
