We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in New Castle 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 New Castle
The car insurance rate in New Castle is $1601 for a six-month policy, which is $340 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $913, making it a popular choice for budget-conscious drivers. Rates in New Castle 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 $913 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1222 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 $1229
for six months, making it
the third cheapest auto insurance company in New Castle.
New Castle Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in New Castle, DE is Travelers, offering policies at just $913 for a six-month term. This is followed by USAA, which has an average six-month premium of $1222.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2912 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Castle drivers find the best deals.
Way's key takeaways about car insurance in New Castle
The auto insurance costs in New Castle fall around $913 for six
months.
The cheapest auto insurance company in New Castle is Travelers.
Teen drivers pay the highest rate in New Castle at $1958 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 New Castle
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 New Castle are given below.
Travelers provides
the cheapest minimum car insurance
coverage in New Castle. Their Average 6 Month Premium is $445.
Encompass is the most
expensive at $747 for the same
period.
Cheapest Full Coverage Car Insurance in New Castle
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 New Castle is Travelers
at $154 per month and $913
for six months.
Cheapest Full Coverage Car Insurance Quotes in New Castle,
DE
Get Your Car Insurance Quote in New Castle
Instantly!
Average Car Insurance in New Castle 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 New Castle, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in New Castle, 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, New Castle's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in New Castle
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
undefined
Cheapest Car Insurance Rates for Teen Drivers in
New Castle,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the New Castle at $354
per
month. At $11754 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 New Castle.
As young drivers face the highest rates in New Castle, 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 New Castle,
Travelers is
the cheapest car insurance provider. At $1426 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
New Castle is Allstate, offering
rates of around $3146 for six
months.
Save up to $971/yr on car insurance rates in New Castle.
Car Insurance Rates with An Accident in New Castle
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 New Castle, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in New Castle
The cheapest car insurance companies after an at-fault accident in
New Castle include Travelers
and USAA, offering $747
and $762,
respectively. Allstate is an expensive provider
with an average six-month premium of
$5288.
Here is a list of driving violations that can increase your car
insurance rates in New Castle DE. For example, the car
insurance in New Castle
after a DUI increases to $1388 for a six
month policy. While the rate increases by $355 for a six-month policy in the case of
a speeding ticket.
New Castle auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1614
$269
One Med/PIP claim
$1614
$274
Two Med/PIP claims
$1652
$276
One comp claim
$1668
$283
Not-at-fault accident
$1698
$283
Two comp claims
$1712
$291
Failure to show documents
$1840
$307
Driving with expired registration
$1924
$328
Failure to wear a seat belt
$1924
$320
Child safety restraint
$1947
$331
Driving without lights
$1947
$324
Speeding 11 - 15 MPH over limit
$1969
$335
Speeding 6 - 10 MPH over limit
$1969
$328
Driving too slowly
$1984
$338
Speeding in school zone
$1984
$330
Cell phone violation
$1991
$339
Following too closely
$1991
$331
Speeding 16 - 20 MPH over limit
$1991
$339
Texting while driving
$1991
$331
At-fault accident - less than $1000
$2014
$343
Failure to stop at a red light
$2014
$335
Failure to yield
$2014
$343
Illegal turn
$2014
$335
Improper passing
$2014
$343
Wrong way/wrong lane
$2014
$335
Speeding 21 - 25 MPH over limit
$2037
$347
Passing school bus
$2068
$344
Open container
$2188
$372
At-fault accident - $1000-$2000
$2225
$371
At-fault accident - greater than $2000
$2248
$382
In 65 MPH zone
$2263
$377
Operating a vehicle without permission
$2309
$392
Reckless driving
$2912
$485
Refusal to submit to a chemical test
$2979
$507
Driving with a suspended license
$2995
$499
DUI
$3002
$511
Racing
$3040
$507
Leaving scene of an accident/hit and run
$3138
$533
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 New Castle 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 New Castle.
The cheapest car insurance premiums in
New Castle are
offered by Travelers at $1237 for a six-month policy.
However, it can be as
expensive as $3802 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 New Castle are offered by American Family
at $829. However,
it can be as expensive as $9362
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in New Castle after Speeding ticket
Car Insurance Price Trends in New Castle,
Delaware
Car insurance rates in New Castle have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the New Castle remained steady at $417 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the New Castle remained steady at $113 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in New Castle 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
New Castle. At $3202 for a
six-month policy, insuring
your car at 19720 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in New Castle?
The car insurance in New Castle is $75 per month, which is lower than the national average.
What is the cheapest car insurance in New Castle?
The cheapest car insurance in New Castle
is $154 per month
for full coverage.
How much is car insurance in New Castle for teenagers?
Car insurance for teenagers costs $2104 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
New Castle?
The average cost of car insurance is $1261 for a six-month
policy. It will cost around $269 per month to insure your
car in New Castle.
Is car insurance expensive in New Castle?
Car insurance can be expensive in New Castle if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in New Castle can be
affordable.
What is the best car insurance in New Castle,
DE?
The best car insurance company in New Castle
DE is
Travelers, offering $913 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in New Castle right now.
Find Car Insurance Rates in Cities Near New Castle, DE
New Castle Car Insurance
