Cheapest Car Insurance Quotes in Frederica

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401,895 Policies Sold

Frederica Car Insurance

^$ 54

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Frederica

The car insurance rate in Frederica is $1160 for a six-month policy, which is $101 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $661, making it a popular choice for budget-conscious drivers. Rates in Frederica 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.

Avg. Car Insurance in Frederica

$1160

Avg. Car Insurance in Delaware

$1261

National Average

$1140

Cheapest Car Insurance Companies in Frederica

1st place: Travelers

At $661 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $885 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 $891 for six months, making it the third cheapest auto insurance company in Frederica.

Frederica Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Frederica, DE is Travelers, offering policies at just $661 for a six-month term. This is followed by USAA, which has an average six-month premium of $885.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2110 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Frederica drivers find the best deals.

Cheap Car Insurance Companies in Frederica, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$661	$111
USAA	$885	$149
State Farm	$891	$150
Cal Casualty	$983	$164
Encompass	$1054	$179
Progressive	$1158	$195
California Casualty	$1295	$218
Nationwide	$1405	$234
Allstate	$2110	$355

Key Takeaways

Way's key takeaways about car insurance in Frederica

The auto insurance costs in Frederica fall around $661 for six months.
The cheapest auto insurance company in Frederica is Travelers.
Teen drivers pay the highest rate in Frederica at $1419 per month.

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Cheapest Minimum Liability Car Insurance in Frederica

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 Frederica are given below.

Travelers provides the cheapest minimum car insurance coverage in Frederica. Their Average 6 Month Premium is $322. Encompass is the most expensive at $541 for the same period.

Cheapest Liability Coverage in Frederica, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$322	$54
USAA	$322	$54
California Casualty	$410	$69
Cal Casualty	$415	$71
Farmers	$426	$71
State Farm	$481	$81
Progressive	$530	$89
Nationwide	$738	$125
Allstate	$1126	$190
Encompass	$541	$90

Cheapest Full Coverage Car Insurance in Frederica

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 Frederica is Travelers at $111 per month and $661 for six months.

Cheapest Full Coverage Car Insurance Quotes in Frederica, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$661	$111
USAA	$885	$149
State Farm	$891	$150
Cal Casualty	$983	$164
Encompass	$1054	$179
Progressive	$1158	$195
California Casualty	$1295	$218
Nationwide	$1405	$234
Allstate	$2110	$355

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Average Car Insurance in Frederica 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 Frederica, DE increasing?

Despite maintaining a clean driving record, your car insurance rates in Frederica, 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, Frederica's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Frederica

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

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Cheapest Car Insurance Rates for Teen Drivers in Frederica,DE

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Frederica at $257 per month. At $8515 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$1524	$257
USAA	$1662	$277
Progressive	$2803	$472
Travelers	$3995	$673
Nationwide	$5787	$984
Allstate	$8515	$1419

Teen Car Insurance Rates in DE by Age

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 Frederica, Travelers is the cheapest car insurance provider. At $1033 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 Frederica is Allstate, offering rates of around $2279 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1033	$174
Progressive	$1175	$198
USAA	$1481	$247
Nationwide	$1940	$330
State Farm	$2132	$355
Allstate	$2279	$384

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Car Insurance Rates with An Accident in Frederica

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 Frederica, DE, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Frederica

The cheapest car insurance companies after an at-fault accident in Frederica include Travelers and USAA, offering $541 and $552, respectively. Allstate is an expensive provider with an average six-month premium of $3831.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$541	$91
USAA	$552	$93
California Casualty	$716	$120
Encompass	$732	$124
State Farm	$749	$126
American Family	$792	$134
Progressive	$1028	$173
Nationwide	$2121	$361
Allstate	$3831	$638

Frederica Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Frederica DE. For example, the car insurance in Frederica after a DUI increases to $1006 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.

Frederica auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1169	$195
One Med/PIP claim	$1169	$199
Two Med/PIP claims	$1197	$200
One comp claim	$1208	$205
Not-at-fault accident	$1230	$205
Two comp claims	$1240	$211
Failure to show documents	$1333	$223
Driving with expired registration	$1394	$237
Failure to wear a seat belt	$1394	$232
Child safety restraint	$1410	$240
Driving without lights	$1410	$235
Speeding 11 - 15 MPH over limit	$1426	$243
Speeding 6 - 10 MPH over limit	$1426	$237
Driving too slowly	$1437	$245
Speeding in school zone	$1437	$239
Cell phone violation	$1443	$246
Following too closely	$1443	$240
Speeding 16 - 20 MPH over limit	$1443	$246
Texting while driving	$1443	$240
At-fault accident - less than $1000	$1459	$248
Failure to stop at a red light	$1459	$243
Failure to yield	$1459	$248
Illegal turn	$1459	$243
Improper passing	$1459	$248
Wrong way/wrong lane	$1459	$243
Speeding 21 - 25 MPH over limit	$1476	$251
Passing school bus	$1498	$249
Open container	$1585	$270
At-fault accident - $1000-$2000	$1612	$269
At-fault accident - greater than $2000	$1628	$277
In 65 MPH zone	$1639	$273
Operating a vehicle without permission	$1673	$284
Reckless driving	$2110	$351
Refusal to submit to a chemical test	$2158	$367
Driving with a suspended license	$2169	$362
DUI	$2175	$370
Racing	$2202	$367
Leaving scene of an accident/hit and run	$2273	$386

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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 Frederica 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 Frederica.

The cheapest car insurance premiums in Frederica are offered by Travelers at $896 for a six-month policy. However, it can be as expensive as $2754 with companies like Nationwide.

Frederica car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$896	$151
Progressive	$1164	$196
USAA	$1350	$227
State Farm	$1552	$261
Cal Casualty	$2383	$405
Allstate	$2732	$460
Nationwide	$2754	$468

Cheapest car insurance after a speeding ticket

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 Frederica are offered by American Family at $601. However, it can be as expensive as $6782 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Frederica after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$601	$100
USAA	$738	$125
State Farm	$951	$160
Progressive	$1732	$292
Travelers	$1978	$333
Nationwide	$3235	$550
Allstate	$6782	$1131

Car Insurance Price Trends in Frederica, Delaware

Car insurance rates in Frederica have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Frederica remained steady at $302 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Frederica remained steady at $82 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Frederica?

The car insurance in Frederica is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Frederica?

The cheapest car insurance in Frederica is $111 per month for full coverage.

How much is car insurance in Frederica for teenagers?

Car insurance for teenagers costs $1524 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 Frederica?

The average cost of car insurance is $1261 for a six-month policy. It will cost around $195 per month to insure your car in Frederica.

Is car insurance expensive in Frederica?

Car insurance can be expensive in Frederica if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Frederica can be affordable.

What is the best car insurance in Frederica, DE?

The best car insurance company in Frederica DE is Travelers, offering $661 for a six-month policy.