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Finding the cheapest car insurance quotes in Greenwood 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 Greenwood
The car insurance rate in Greenwood is $1187 for a six-month policy, which is $177 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $703, making it a popular choice for budget-conscious drivers. Rates in Greenwood 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 $703 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $900 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 $930
for six months, making it
the third cheapest auto insurance company in Greenwood.
Greenwood Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Greenwood, DE is Travelers, offering policies at just $703 for a six-month term. This is followed by USAA, which has an average six-month premium of $900.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2078 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Greenwood drivers find the best deals.
Way's key takeaways about car insurance in Greenwood
The auto insurance costs in Greenwood fall around $703 for six
months.
The cheapest auto insurance company in Greenwood is Travelers.
Teen drivers pay the highest rate in Greenwood at $1435 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 Greenwood
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 Greenwood are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Greenwood. Their Average 6 Month Premium is $274.
Encompass is the most
expensive at $512 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 Greenwood is Travelers
at $118 per month and $703
for six months.
Cheapest Full Coverage Car Insurance Quotes in Greenwood,
DE
Get Your Car Insurance Quote in Greenwood
Instantly!
Average Car Insurance in Greenwood 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 Greenwood, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Greenwood, 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, Greenwood's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Greenwood
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
Greenwood,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Greenwood at $330
per
month. At $8610 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 Greenwood.
As young drivers face the highest rates in Greenwood, 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 Greenwood,
Progressive is
the cheapest car insurance provider. At $1173 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
Greenwood is Sentry, offering
rates of around $4372 for six
months.
Save up to $971/yr on car insurance rates in Greenwood.
Car Insurance Rates with An Accident in Greenwood
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 Greenwood, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Greenwood
The cheapest car insurance companies after an at-fault accident in
Greenwood include USAA
and California Casualty, offering $641
and $677,
respectively. Sentry is an expensive provider
with an average six-month premium of
$5788.
Here is a list of driving violations that can increase your car
insurance rates in Greenwood DE. For example, the car
insurance in Greenwood
after a DUI increases to $951 for a six
month policy. While the rate increases by $243 for a six-month policy in the case of
a speeding ticket.
Greenwood auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1106
$184
One Med/PIP claim
$1106
$188
Two Med/PIP claims
$1132
$189
One comp claim
$1142
$194
Not-at-fault accident
$1163
$194
Two comp claims
$1173
$199
Failure to show documents
$1261
$211
Driving with expired registration
$1318
$224
Failure to wear a seat belt
$1318
$219
Child safety restraint
$1334
$227
Driving without lights
$1334
$222
Speeding 11 - 15 MPH over limit
$1349
$230
Speeding 6 - 10 MPH over limit
$1349
$224
Driving too slowly
$1359
$231
Speeding in school zone
$1359
$226
Cell phone violation
$1364
$232
Following too closely
$1364
$227
Speeding 16 - 20 MPH over limit
$1364
$232
Texting while driving
$1364
$227
At-fault accident - less than $1000
$1380
$235
Failure to stop at a red light
$1380
$230
Failure to yield
$1380
$235
Illegal turn
$1380
$230
Improper passing
$1380
$235
Wrong way/wrong lane
$1380
$230
Speeding 21 - 25 MPH over limit
$1395
$238
Passing school bus
$1416
$236
Open container
$1499
$255
At-fault accident - $1000-$2000
$1524
$254
At-fault accident - greater than $2000
$1540
$262
In 65 MPH zone
$1550
$258
Operating a vehicle without permission
$1582
$269
Reckless driving
$1995
$332
Refusal to submit to a chemical test
$2041
$347
Driving with a suspended license
$2051
$342
DUI
$2057
$350
Racing
$2083
$347
Leaving scene of an accident/hit and run
$2150
$365
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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 Greenwood 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 Greenwood.
The cheapest car insurance premiums in
Greenwood are
offered by Progressive at $1137 for a six-month policy.
However, it can be as
expensive as $4481 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 Greenwood are offered by American Family
at $568. However,
it can be as expensive as $6393
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Greenwood after Speeding ticket
Car insurance rates in Greenwood have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Greenwood rose by
$350 in January
compared to $285 of December. In other words, there has been an increase by $65 when you
compare January and December.
The average cost of liability insurance in the Greenwood dipped to $69 in January,
compared to $77 in December.
This represents an decrease of $8
when comparing January and December.
Average Car Insurance Cost in Greenwood 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
Greenwood. At $2373 for a
six-month policy, insuring
your car at 19950 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 Greenwood?
The car insurance in Greenwood is $46 per month, which is lower than the national average.
What is the cheapest car insurance in Greenwood?
The cheapest car insurance in Greenwood
is $118 per month
for full coverage.
How much is car insurance in Greenwood for teenagers?
Car insurance for teenagers costs $1958 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
Greenwood?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $199 per month to insure your
car in Greenwood.
Is car insurance expensive in Greenwood?
Car insurance can be expensive in Greenwood if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Greenwood can be
affordable.
What is the best car insurance in Greenwood,
DE?
The best car insurance company in Greenwood
DE is
Travelers, offering $703 for a
six-month policy.
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