Cheapest Car Insurance Quotes in Hockessin

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Hockessin Car Insurance

^$ 65

/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 Hockessin

The car insurance rate in Hockessin is $1387 for a six-month policy, which is $126 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $791, making it a popular choice for budget-conscious drivers. Rates in Hockessin 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 Hockessin

$1387

Avg. Car Insurance in Delaware

$1261

National Average

$1140

Cheapest Car Insurance Companies in Hockessin

1st place: Travelers

At $791 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1058 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 $1065 for six months, making it the third cheapest auto insurance company in Hockessin.

Hockessin Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hockessin, DE is Travelers, offering policies at just $791 for a six-month term. This is followed by USAA, which has an average six-month premium of $1058.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2522 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hockessin drivers find the best deals.

Cheap Car Insurance Companies in Hockessin, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$791	$133
USAA	$1058	$178
State Farm	$1065	$179
Cal Casualty	$1176	$196
Encompass	$1261	$215
Progressive	$1385	$233
California Casualty	$1549	$261
Nationwide	$1680	$279
Allstate	$2522	$425

Key Takeaways

Way's key takeaways about car insurance in Hockessin

The auto insurance costs in Hockessin fall around $791 for six months.
The cheapest auto insurance company in Hockessin is Travelers.
Teen drivers pay the highest rate in Hockessin at $1696 per month.

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Cheapest Minimum Liability Car Insurance in Hockessin

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 Hockessin are given below.

Travelers provides the cheapest minimum car insurance coverage in Hockessin. Their Average 6 Month Premium is $385. Encompass is the most expensive at $647 for the same period.

Cheapest Liability Coverage in Hockessin, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$385	$65
USAA	$385	$65
California Casualty	$491	$83
Cal Casualty	$496	$85
Farmers	$509	$85
State Farm	$575	$97
Progressive	$634	$107
Nationwide	$882	$150
Allstate	$1346	$227
Encompass	$647	$108

Cheapest Full Coverage Car Insurance in Hockessin

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 Hockessin is Travelers at $133 per month and $791 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hockessin, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$791	$133
USAA	$1058	$178
State Farm	$1065	$179
Cal Casualty	$1176	$196
Encompass	$1261	$215
Progressive	$1385	$233
California Casualty	$1549	$261
Nationwide	$1680	$279
Allstate	$2522	$425

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Average Car Insurance in Hockessin 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 Hockessin, DE increasing?

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

Car Insurance Premiums by Age in Hockessin

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 Hockessin,DE

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Hockessin at $307 per month. At $10181 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$1823	$307
USAA	$1987	$331
Progressive	$3352	$564
Travelers	$4776	$804
Nationwide	$6919	$1177
Allstate	$10181	$1696

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 Hockessin, Travelers is the cheapest car insurance provider. At $1235 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 Hockessin is Allstate, offering rates of around $2725 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1235	$208
Progressive	$1405	$237
USAA	$1771	$295
Nationwide	$2320	$395
State Farm	$2549	$425
Allstate	$2725	$459

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Car Insurance Rates with An Accident in Hockessin

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

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

The cheapest car insurance companies after an at-fault accident in Hockessin include Travelers and USAA, offering $647 and $660, respectively. Allstate is an expensive provider with an average six-month premium of $4580.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$647	$109
USAA	$660	$111
California Casualty	$856	$143
Encompass	$876	$149
State Farm	$895	$151
American Family	$947	$161
Progressive	$1229	$207
Nationwide	$2536	$431
Allstate	$4580	$763

Hockessin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hockessin DE. For example, the car insurance in Hockessin after a DUI increases to $1202 for a six month policy. While the rate increases by $307 for a six-month policy in the case of a speeding ticket.

Hockessin auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1398	$233
One Med/PIP claim	$1398	$238
Two Med/PIP claims	$1431	$239
One comp claim	$1444	$245
Not-at-fault accident	$1471	$245
Two comp claims	$1483	$252
Failure to show documents	$1594	$266
Driving with expired registration	$1667	$284
Failure to wear a seat belt	$1667	$277
Child safety restraint	$1686	$287
Driving without lights	$1686	$281
Speeding 11 - 15 MPH over limit	$1705	$290
Speeding 6 - 10 MPH over limit	$1705	$284
Driving too slowly	$1718	$293
Speeding in school zone	$1718	$286
Cell phone violation	$1725	$294
Following too closely	$1725	$287
Speeding 16 - 20 MPH over limit	$1725	$294
Texting while driving	$1725	$287
At-fault accident - less than $1000	$1745	$297
Failure to stop at a red light	$1745	$290
Failure to yield	$1745	$297
Illegal turn	$1745	$290
Improper passing	$1745	$297
Wrong way/wrong lane	$1745	$290
Speeding 21 - 25 MPH over limit	$1764	$300
Passing school bus	$1791	$298
Open container	$1895	$322
At-fault accident - $1000-$2000	$1927	$321
At-fault accident - greater than $2000	$1947	$331
In 65 MPH zone	$1960	$327
Operating a vehicle without permission	$2000	$340
Reckless driving	$2522	$420
Refusal to submit to a chemical test	$2581	$439
Driving with a suspended license	$2594	$432
DUI	$2600	$442
Racing	$2633	$439
Leaving scene of an accident/hit and run	$2718	$462

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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 Hockessin 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 Hockessin.

The cheapest car insurance premiums in Hockessin are offered by Travelers at $1071 for a six-month policy. However, it can be as expensive as $3293 with companies like Nationwide.

Hockessin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1071	$180
Progressive	$1392	$234
USAA	$1614	$272
State Farm	$1856	$312
Cal Casualty	$2849	$484
Allstate	$3267	$550
Nationwide	$3293	$560

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 Hockessin are offered by American Family at $718. However, it can be as expensive as $8109 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hockessin after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$718	$120
USAA	$882	$150
State Farm	$1137	$191
Progressive	$2071	$349
Travelers	$2365	$398
Nationwide	$3868	$658
Allstate	$8109	$1352

Car Insurance Price Trends in Hockessin, Delaware

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

The average cost of full coverage in the Hockessin remained steady at $361 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hockessin remained steady at $98 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 Hockessin?

The car insurance in Hockessin is $65 per month, which is lower than the national average.

What is the cheapest car insurance in Hockessin?

The cheapest car insurance in Hockessin is $133 per month for full coverage.

How much is car insurance in Hockessin 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 Hockessin?

The average cost of car insurance is $1261 for a six-month policy. It will cost around $233 per month to insure your car in Hockessin.

Is car insurance expensive in Hockessin?

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

What is the best car insurance in Hockessin, DE?

The best car insurance company in Hockessin DE is Travelers, offering $791 for a six-month policy.