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Finding the cheapest car insurance quotes in Long Neck 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 Long Neck
The car insurance rate in Long Neck is $1159 for a six-month policy, which is $205 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $687, making it a popular choice for budget-conscious drivers. Rates in Long Neck 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 $687 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $879 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 $909
for six months, making it
the third cheapest auto insurance company in Long Neck.
Long Neck Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Long Neck, DE is Travelers, offering policies at just $687 for a six-month term. This is followed by USAA, which has an average six-month premium of $879.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2030 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Long Neck drivers find the best deals.
Way's key takeaways about car insurance in Long Neck
The auto insurance costs in Long Neck fall around $687 for six
months.
The cheapest auto insurance company in Long Neck is Travelers.
Teen drivers pay the highest rate in Long Neck at $1402 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 Long Neck
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 Long Neck are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Long Neck. Their Average 6 Month Premium is $268.
Encompass is the most
expensive at $500 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 Long Neck is Travelers
at $116 per month and $687
for six months.
Cheapest Full Coverage Car Insurance Quotes in Long Neck,
DE
Get Your Car Insurance Quote in Long Neck
Instantly!
Average Car Insurance in Long Neck 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 Long Neck, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Long Neck, 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, Long Neck's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Long Neck
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
Long Neck,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Long Neck at $322
per
month. At $8412 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 Long Neck.
As young drivers face the highest rates in Long Neck, 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 Long Neck,
Progressive is
the cheapest car insurance provider. At $1146 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
Long Neck is Sentry, offering
rates of around $4271 for six
months.
Save up to $971/yr on car insurance rates in Long Neck.
Car Insurance Rates with An Accident in Long Neck
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 Long Neck, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Long Neck
The cheapest car insurance companies after an at-fault accident in
Long Neck include USAA
and California Casualty, offering $626
and $661,
respectively. Sentry is an expensive provider
with an average six-month premium of
$5655.
Here is a list of driving violations that can increase your car
insurance rates in Long Neck DE. For example, the car
insurance in Long Neck
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.
Long Neck 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 Long Neck 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 Long Neck.
The cheapest car insurance premiums in
Long Neck are
offered by Progressive at $1111 for a six-month policy.
However, it can be as
expensive as $4378 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 Long Neck are offered by American Family
at $555. However,
it can be as expensive as $6246
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Long Neck after Speeding ticket
Car insurance rates in Long Neck have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Long Neck rose by
$342 in January
compared to $279 of December. In other words, there has been an increase by $63 when you
compare January and December.
The average cost of liability insurance in the Long Neck dipped to $67 in January,
compared to $76 in December.
This represents an decrease of $9
when comparing January and December.
Average Car Insurance Cost in Long Neck 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
Long Neck. 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 Long Neck?
The car insurance in Long Neck is $45 per month, which is lower than the national average.
What is the cheapest car insurance in Long Neck?
The cheapest car insurance in Long Neck
is $116 per month
for full coverage.
How much is car insurance in Long Neck for teenagers?
Car insurance for teenagers costs $1913 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
Long Neck?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $195 per month to insure your
car in Long Neck.
Is car insurance expensive in Long Neck?
Car insurance can be expensive in Long Neck if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Long Neck can be
affordable.
What is the best car insurance in Long Neck,
DE?
The best car insurance company in Long Neck
DE is
Travelers, offering $687 for a
six-month policy.
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