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Finding the cheapest car insurance quotes in Henlopen Acres 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 Henlopen Acres
The car insurance rate in Henlopen Acres is $1072 for a six-month policy, which is $189 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $611, making it a popular choice for budget-conscious drivers. Rates in Henlopen Acres 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 Henlopen Acres
1st place: Travelers
At $611 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $818 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 $823
for six months, making it
the third cheapest auto insurance company in Henlopen Acres.
Henlopen Acres Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Henlopen Acres, DE is Travelers, offering policies at just $611 for a six-month term. This is followed by USAA, which has an average six-month premium of $818.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1949 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Henlopen Acres drivers find the best deals.
Cheap Car Insurance Companies in Henlopen Acres, DE
Way's key takeaways about car insurance in Henlopen Acres
The auto insurance costs in Henlopen Acres fall around $611 for six
months.
The cheapest auto insurance company in Henlopen Acres is Travelers.
Teen drivers pay the highest rate in Henlopen Acres at $1311 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 Henlopen Acres
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 Henlopen Acres are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Henlopen Acres. Their Average 6 Month Premium is $298.
Encompass is the most
expensive at $500 for the same
period.
Cheapest Full Coverage Car Insurance in Henlopen Acres
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 Henlopen Acres is Travelers
at $103 per month and $611
for six months.
Cheapest Full Coverage Car Insurance Quotes in Henlopen Acres,
DE
Get Your Car Insurance Quote in Henlopen Acres
Instantly!
Average Car Insurance in Henlopen Acres 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 Henlopen Acres, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Henlopen Acres, 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, Henlopen Acres's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Henlopen Acres
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
Henlopen Acres,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Henlopen Acres at $237
per
month. At $7867 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 Henlopen Acres.
As young drivers face the highest rates in Henlopen Acres, 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 Henlopen Acres,
Travelers is
the cheapest car insurance provider. At $955 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
Henlopen Acres is Allstate, offering
rates of around $2105 for six
months.
Save up to $971/yr on car insurance rates in Henlopen Acres.
Car Insurance Rates with An Accident in Henlopen Acres
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 Henlopen Acres, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Henlopen Acres
The cheapest car insurance companies after an at-fault accident in
Henlopen Acres include Travelers
and USAA, offering $500
and $510,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3539.
Here is a list of driving violations that can increase your car
insurance rates in Henlopen Acres DE. For example, the car
insurance in Henlopen Acres
after a DUI increases to $929 for a six
month policy. While the rate increases by $238 for a six-month policy in the case of
a speeding ticket.
Henlopen Acres auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1080
$180
One Med/PIP claim
$1080
$184
Two Med/PIP claims
$1106
$184
One comp claim
$1116
$190
Not-at-fault accident
$1136
$190
Two comp claims
$1146
$195
Failure to show documents
$1232
$206
Driving with expired registration
$1288
$219
Failure to wear a seat belt
$1288
$214
Child safety restraint
$1303
$222
Driving without lights
$1303
$217
Speeding 11 - 15 MPH over limit
$1318
$224
Speeding 6 - 10 MPH over limit
$1318
$219
Driving too slowly
$1328
$226
Speeding in school zone
$1328
$221
Cell phone violation
$1333
$227
Following too closely
$1333
$222
Speeding 16 - 20 MPH over limit
$1333
$227
Texting while driving
$1333
$222
At-fault accident - less than $1000
$1348
$230
Failure to stop at a red light
$1348
$224
Failure to yield
$1348
$230
Illegal turn
$1348
$224
Improper passing
$1348
$230
Wrong way/wrong lane
$1348
$224
Speeding 21 - 25 MPH over limit
$1363
$232
Passing school bus
$1384
$230
Open container
$1465
$249
At-fault accident - $1000-$2000
$1489
$248
At-fault accident - greater than $2000
$1505
$256
In 65 MPH zone
$1515
$252
Operating a vehicle without permission
$1545
$263
Reckless driving
$1949
$325
Refusal to submit to a chemical test
$1994
$339
Driving with a suspended license
$2004
$334
DUI
$2009
$342
Racing
$2035
$339
Leaving scene of an accident/hit and run
$2100
$357
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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 Henlopen Acres 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 Henlopen Acres.
The cheapest car insurance premiums in
Henlopen Acres are
offered by Travelers at $828 for a six-month policy.
However, it can be as
expensive as $2545 with companies
like Nationwide.
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 Henlopen Acres are offered by American Family
at $555. However,
it can be as expensive as $6266
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Henlopen Acres after Speeding ticket
Car Insurance Price Trends in Henlopen Acres,
Delaware
Car insurance rates in Henlopen Acres have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Henlopen Acres remained steady at $279 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Henlopen Acres remained steady at $76 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Henlopen Acres 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
Henlopen Acres. 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 Henlopen Acres?
The car insurance in Henlopen Acres is $50 per month, which is lower than the national average.
What is the cheapest car insurance in Henlopen Acres?
The cheapest car insurance in Henlopen Acres
is $103 per month
for full coverage.
How much is car insurance in Henlopen Acres for teenagers?
Car insurance for teenagers costs $1408 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
Henlopen Acres?
The average cost of car insurance is $1261 for a six-month
policy. It will cost around $180 per month to insure your
car in Henlopen Acres.
Is car insurance expensive in Henlopen Acres?
Car insurance can be expensive in Henlopen Acres if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Henlopen Acres can be
affordable.
What is the best car insurance in Henlopen Acres,
DE?
The best car insurance company in Henlopen Acres
DE is
Travelers, offering $611 for a
six-month policy.
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Henlopen Acres Car Insurance
