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Finding the cheapest car insurance quotes in Little Creek 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 Little Creek
The car insurance rate in Little Creek is $1364 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $808, making it a popular choice for budget-conscious drivers. Rates in Little Creek 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 $808 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1034 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 $1069
for six months, making it
the third cheapest auto insurance company in Little Creek.
Little Creek Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Little Creek, DE is Travelers, offering policies at just $808 for a six-month term. This is followed by USAA, which has an average six-month premium of $1034.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2388 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Little Creek drivers find the best deals.
Way's key takeaways about car insurance in Little Creek
The auto insurance costs in Little Creek fall around $808 for six
months.
The cheapest auto insurance company in Little Creek is Travelers.
Teen drivers pay the highest rate in Little Creek at $1649 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 Little Creek
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 Little Creek are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Little Creek. Their Average 6 Month Premium is $315.
Encompass is the most
expensive at $588 for the same
period.
Cheapest Full Coverage Car Insurance in Little Creek
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 Little Creek is Travelers
at $136 per month and $808
for six months.
Cheapest Full Coverage Car Insurance Quotes in Little Creek,
DE
Get Your Car Insurance Quote in Little Creek
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Average Car Insurance in Little Creek 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 Little Creek, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Little Creek, 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, Little Creek's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Little Creek
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
Little Creek,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Little Creek at $379
per
month. At $9896 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 Little Creek.
As young drivers face the highest rates in Little Creek, 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 Little Creek,
Progressive is
the cheapest car insurance provider. At $1348 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
Little Creek is Sentry, offering
rates of around $5025 for six
months.
Save up to $971/yr on car insurance rates in Little Creek.
Car Insurance Rates with An Accident in Little Creek
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 Little Creek, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Little Creek
The cheapest car insurance companies after an at-fault accident in
Little Creek include USAA
and California Casualty, offering $737
and $778,
respectively. Sentry is an expensive provider
with an average six-month premium of
$6653.
Here is a list of driving violations that can increase your car
insurance rates in Little Creek DE. For example, the car
insurance in Little Creek
after a DUI increases to $1093 for a six
month policy. While the rate increases by $279 for a six-month policy in the case of
a speeding ticket.
Little Creek auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1271
$212
One Med/PIP claim
$1271
$216
Two Med/PIP claims
$1301
$217
One comp claim
$1313
$223
Not-at-fault accident
$1337
$223
Two comp claims
$1348
$229
Failure to show documents
$1449
$242
Driving with expired registration
$1515
$258
Failure to wear a seat belt
$1515
$252
Child safety restraint
$1533
$261
Driving without lights
$1533
$255
Speeding 11 - 15 MPH over limit
$1550
$264
Speeding 6 - 10 MPH over limit
$1550
$258
Driving too slowly
$1562
$266
Speeding in school zone
$1562
$260
Cell phone violation
$1568
$267
Following too closely
$1568
$261
Speeding 16 - 20 MPH over limit
$1568
$267
Texting while driving
$1568
$261
At-fault accident - less than $1000
$1586
$270
Failure to stop at a red light
$1586
$264
Failure to yield
$1586
$270
Illegal turn
$1586
$264
Improper passing
$1586
$270
Wrong way/wrong lane
$1586
$264
Speeding 21 - 25 MPH over limit
$1604
$273
Passing school bus
$1628
$271
Open container
$1723
$293
At-fault accident - $1000-$2000
$1752
$292
At-fault accident - greater than $2000
$1770
$301
In 65 MPH zone
$1782
$297
Operating a vehicle without permission
$1818
$309
Reckless driving
$2293
$382
Refusal to submit to a chemical test
$2346
$399
Driving with a suspended license
$2358
$393
DUI
$2364
$402
Racing
$2394
$399
Leaving scene of an accident/hit and run
$2471
$420
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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 Little Creek 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 Little Creek.
The cheapest car insurance premiums in
Little Creek are
offered by Progressive at $1307 for a six-month policy.
However, it can be as
expensive as $5150 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 Little Creek are offered by American Family
at $653. However,
it can be as expensive as $7348
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Little Creek after Speeding ticket
Car Insurance Price Trends in Little Creek,
Delaware
Car insurance rates in Little Creek have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Little Creek rose by
$402 in January
compared to $328 of December. In other words, there has been an increase by $74 when you
compare January and December.
The average cost of liability insurance in the Little Creek dipped to $79 in January,
compared to $89 in December.
This represents an decrease of $10
when comparing January and December.
Average Car Insurance Cost in Little Creek 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
Little Creek. 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 Little Creek?
The car insurance in Little Creek is $53 per month, which is lower than the national average.
What is the cheapest car insurance in Little Creek?
The cheapest car insurance in Little Creek
is $136 per month
for full coverage.
How much is car insurance in Little Creek for teenagers?
Car insurance for teenagers costs $2251 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
Little Creek?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $229 per month to insure your
car in Little Creek.
Is car insurance expensive in Little Creek?
Car insurance can be expensive in Little Creek if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Little Creek can be
affordable.
What is the best car insurance in Little Creek,
DE?
The best car insurance company in Little Creek
DE is
Travelers, offering $808 for a
six-month policy.
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Little Creek Car Insurance
