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 North Star 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 North Star
The car insurance rate in North Star is $1391 for a six-month policy, which is $27 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $824, making it a popular choice for budget-conscious drivers. Rates in North Star 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 $824 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1055 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 $1090
for six months, making it
the third cheapest auto insurance company in North Star.
North Star Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in North Star, DE is Travelers, offering policies at just $824 for a six-month term. This is followed by USAA, which has an average six-month premium of $1055.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2436 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Star drivers find the best deals.
Way's key takeaways about car insurance in North Star
The auto insurance costs in North Star fall around $824 for six
months.
The cheapest auto insurance company in North Star is Travelers.
Teen drivers pay the highest rate in North Star at $1682 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 North Star
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 North Star are given below.
Travelers provides
the cheapest minimum car insurance
coverage in North Star. Their Average 6 Month Premium is $321.
Encompass is the most
expensive at $600 for the same
period.
Cheapest Full Coverage Car Insurance in North Star
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 North Star is Travelers
at $139 per month and $824
for six months.
Cheapest Full Coverage Car Insurance Quotes in North Star,
DE
Get Your Car Insurance Quote in North Star
Instantly!
Average Car Insurance in North Star 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 North Star, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in North Star, 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, North Star's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in North Star
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
North Star,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the North Star at $387
per
month. At $10094 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 North Star.
As young drivers face the highest rates in North Star, 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 North Star,
Progressive is
the cheapest car insurance provider. At $1375 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
North Star is Sentry, offering
rates of around $5126 for six
months.
Save up to $971/yr on car insurance rates in North Star.
Car Insurance Rates with An Accident in North Star
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 North Star, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in North Star
The cheapest car insurance companies after an at-fault accident in
North Star include USAA
and California Casualty, offering $752
and $794,
respectively. Sentry is an expensive provider
with an average six-month premium of
$6786.
Here is a list of driving violations that can increase your car
insurance rates in North Star DE. For example, the car
insurance in North Star
after a DUI increases to $1115 for a six
month policy. While the rate increases by $285 for a six-month policy in the case of
a speeding ticket.
North Star auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1296
$216
One Med/PIP claim
$1296
$220
Two Med/PIP claims
$1327
$221
One comp claim
$1339
$227
Not-at-fault accident
$1364
$227
Two comp claims
$1375
$234
Failure to show documents
$1478
$247
Driving with expired registration
$1545
$263
Failure to wear a seat belt
$1545
$257
Child safety restraint
$1564
$266
Driving without lights
$1564
$260
Speeding 11 - 15 MPH over limit
$1581
$269
Speeding 6 - 10 MPH over limit
$1581
$263
Driving too slowly
$1593
$271
Speeding in school zone
$1593
$265
Cell phone violation
$1599
$272
Following too closely
$1599
$266
Speeding 16 - 20 MPH over limit
$1599
$272
Texting while driving
$1599
$266
At-fault accident - less than $1000
$1618
$275
Failure to stop at a red light
$1618
$269
Failure to yield
$1618
$275
Illegal turn
$1618
$269
Improper passing
$1618
$275
Wrong way/wrong lane
$1618
$269
Speeding 21 - 25 MPH over limit
$1636
$278
Passing school bus
$1661
$276
Open container
$1757
$299
At-fault accident - $1000-$2000
$1787
$298
At-fault accident - greater than $2000
$1805
$307
In 65 MPH zone
$1818
$303
Operating a vehicle without permission
$1854
$315
Reckless driving
$2339
$390
Refusal to submit to a chemical test
$2393
$407
Driving with a suspended license
$2405
$401
DUI
$2411
$410
Racing
$2442
$407
Leaving scene of an accident/hit and run
$2520
$428
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 North Star 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 North Star.
The cheapest car insurance premiums in
North Star are
offered by Progressive at $1333 for a six-month policy.
However, it can be as
expensive as $5253 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 North Star are offered by American Family
at $666. However,
it can be as expensive as $7495
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in North Star after Speeding ticket
Car Insurance Price Trends in North Star,
Delaware
Car insurance rates in North Star have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the North Star rose by
$410 in January
compared to $335 of December. In other words, there has been an increase by $75 when you
compare January and December.
The average cost of liability insurance in the North Star dipped to $81 in January,
compared to $91 in December.
This represents an decrease of $10
when comparing January and December.
Average Car Insurance Cost in North Star 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
North Star. 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
undefined
Frequently Asked Questions
How much is car insurance in North Star?
The car insurance in North Star is $54 per month, which is lower than the national average.
What is the cheapest car insurance in North Star?
The cheapest car insurance in North Star
is $139 per month
for full coverage.
How much is car insurance in North Star for teenagers?
Car insurance for teenagers costs $2296 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
North Star?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $234 per month to insure your
car in North Star.
Is car insurance expensive in North Star?
Car insurance can be expensive in North Star if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in North Star can be
affordable.
What is the best car insurance in North Star,
DE?
The best car insurance company in North Star
DE is
Travelers, offering $824 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in North Star right now.
Find Car Insurance Rates in Cities Near North Star, DE
North Star Car Insurance
