Cheapest Car Insurance Quotes in Hartly

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401,895 Policies Sold

Hartly Car Insurance

^$ 56

/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 Hartly

The car insurance rate in Hartly is $1198 for a six-month policy, which is $63 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $683, making it a popular choice for budget-conscious drivers. Rates in Hartly 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 Hartly

$1198

Avg. Car Insurance in Delaware

$1261

National Average

$1140

Cheapest Car Insurance Companies in Hartly

1st place: Travelers

At $683 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $914 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 $920 for six months, making it the third cheapest auto insurance company in Hartly.

Hartly Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hartly, DE is Travelers, offering policies at just $683 for a six-month term. This is followed by USAA, which has an average six-month premium of $914.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2178 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hartly drivers find the best deals.

Cheap Car Insurance Companies in Hartly, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$683	$115
USAA	$914	$154
State Farm	$920	$155
Cal Casualty	$1016	$169
Encompass	$1089	$185
Progressive	$1196	$201
California Casualty	$1338	$225
Nationwide	$1451	$241
Allstate	$2178	$367

Key Takeaways

Way's key takeaways about car insurance in Hartly

The auto insurance costs in Hartly fall around $683 for six months.
The cheapest auto insurance company in Hartly is Travelers.
Teen drivers pay the highest rate in Hartly at $1465 per month.

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Cheapest Minimum Liability Car Insurance in Hartly

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 Hartly are given below.

Travelers provides the cheapest minimum car insurance coverage in Hartly. Their Average 6 Month Premium is $333. Encompass is the most expensive at $559 for the same period.

Cheapest Liability Coverage in Hartly, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$333	$56
USAA	$333	$56
California Casualty	$424	$71
Cal Casualty	$428	$73
Farmers	$440	$73
State Farm	$497	$84
Progressive	$547	$92
Nationwide	$762	$129
Allstate	$1163	$196
Encompass	$559	$93

Cheapest Full Coverage Car Insurance in Hartly

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 Hartly is Travelers at $115 per month and $683 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hartly, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$683	$115
USAA	$914	$154
State Farm	$920	$155
Cal Casualty	$1016	$169
Encompass	$1089	$185
Progressive	$1196	$201
California Casualty	$1338	$225
Nationwide	$1451	$241
Allstate	$2178	$367

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Average Car Insurance in Hartly 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 Hartly, DE increasing?

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

Car Insurance Premiums by Age in Hartly

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 Hartly,DE

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Hartly at $265 per month. At $8792 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$1574	$265
USAA	$1716	$286
Progressive	$2895	$487
Travelers	$4125	$694
Nationwide	$5976	$1017
Allstate	$8792	$1465

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 Hartly, Travelers is the cheapest car insurance provider. At $1067 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 Hartly is Allstate, offering rates of around $2353 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1067	$180
Progressive	$1213	$204
USAA	$1530	$255
Nationwide	$2004	$341
State Farm	$2201	$367
Allstate	$2353	$396

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Car Insurance Rates with An Accident in Hartly

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

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

The cheapest car insurance companies after an at-fault accident in Hartly include Travelers and USAA, offering $559 and $570, respectively. Allstate is an expensive provider with an average six-month premium of $3956.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$559	$94
USAA	$570	$96
California Casualty	$739	$124
Encompass	$756	$128
State Farm	$773	$130
American Family	$818	$139
Progressive	$1061	$179
Nationwide	$2190	$372
Allstate	$3956	$659

Hartly Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hartly DE. For example, the car insurance in Hartly after a DUI increases to $1039 for a six month policy. While the rate increases by $266 for a six-month policy in the case of a speeding ticket.

Hartly auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1207	$201
One Med/PIP claim	$1207	$205
Two Med/PIP claims	$1236	$206
One comp claim	$1247	$212
Not-at-fault accident	$1270	$212
Two comp claims	$1281	$218
Failure to show documents	$1377	$230
Driving with expired registration	$1439	$245
Failure to wear a seat belt	$1439	$239
Child safety restraint	$1456	$248
Driving without lights	$1456	$242
Speeding 11 - 15 MPH over limit	$1473	$251
Speeding 6 - 10 MPH over limit	$1473	$245
Driving too slowly	$1484	$253
Speeding in school zone	$1484	$247
Cell phone violation	$1490	$254
Following too closely	$1490	$248
Speeding 16 - 20 MPH over limit	$1490	$254
Texting while driving	$1490	$248
At-fault accident - less than $1000	$1507	$257
Failure to stop at a red light	$1507	$251
Failure to yield	$1507	$257
Illegal turn	$1507	$251
Improper passing	$1507	$257
Wrong way/wrong lane	$1507	$251
Speeding 21 - 25 MPH over limit	$1524	$259
Passing school bus	$1547	$257
Open container	$1637	$278
At-fault accident - $1000-$2000	$1664	$277
At-fault accident - greater than $2000	$1682	$286
In 65 MPH zone	$1693	$282
Operating a vehicle without permission	$1727	$294
Reckless driving	$2178	$363
Refusal to submit to a chemical test	$2229	$379
Driving with a suspended license	$2240	$373
DUI	$2246	$382
Racing	$2274	$379
Leaving scene of an accident/hit and run	$2347	$399

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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 Hartly 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 Hartly.

The cheapest car insurance premiums in Hartly are offered by Travelers at $925 for a six-month policy. However, it can be as expensive as $2844 with companies like Nationwide.

Hartly car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$925	$156
Progressive	$1202	$202
USAA	$1394	$235
State Farm	$1603	$270
Cal Casualty	$2461	$418
Allstate	$2822	$475
Nationwide	$2844	$484

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 Hartly are offered by American Family at $620. However, it can be as expensive as $7003 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hartly after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$620	$104
USAA	$762	$129
State Farm	$982	$165
Progressive	$1789	$301
Travelers	$2043	$344
Nationwide	$3340	$568
Allstate	$7003	$1168

Car Insurance Price Trends in Hartly, Delaware

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

The average cost of full coverage in the Hartly remained steady at $312 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hartly remained steady at $85 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 Hartly?

The car insurance in Hartly is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Hartly?

The cheapest car insurance in Hartly is $115 per month for full coverage.

How much is car insurance in Hartly for teenagers?

Car insurance for teenagers costs $1574 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 Hartly?

The average cost of car insurance is $1261 for a six-month policy. It will cost around $201 per month to insure your car in Hartly.

Is car insurance expensive in Hartly?

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

What is the best car insurance in Hartly, DE?

The best car insurance company in Hartly DE is Travelers, offering $683 for a six-month policy.