Cheapest Car Insurance Quotes in Ocean View

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401,895 Policies Sold

Ocean View Car Insurance

^$ 50

/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 Ocean View

The car insurance rate in Ocean View is $1072 for a six-month policy, which is $189 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $611, making it a popular choice for budget-conscious drivers. Rates in Ocean View 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 Ocean View

$1072

Avg. Car Insurance in Delaware

$1261

National Average

$1140

Cheapest Car Insurance Companies in Ocean View

1st place: Travelers

At $611 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $818 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 $823 for six months, making it the third cheapest auto insurance company in Ocean View.

Ocean View Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ocean View, DE is Travelers, offering policies at just $611 for a six-month term. This is followed by USAA, which has an average six-month premium of $818.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1949 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ocean View drivers find the best deals.

Cheap Car Insurance Companies in Ocean View, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$611	$103
USAA	$818	$138
State Farm	$823	$139
Cal Casualty	$909	$151
Encompass	$974	$166
Progressive	$1070	$180
California Casualty	$1197	$201
Nationwide	$1298	$216
Allstate	$1949	$328

Key Takeaways

Way's key takeaways about car insurance in Ocean View

The auto insurance costs in Ocean View fall around $611 for six months.
The cheapest auto insurance company in Ocean View is Travelers.
Teen drivers pay the highest rate in Ocean View at $1311 per month.

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Cheapest Minimum Liability Car Insurance in Ocean View

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 Ocean View are given below.

Travelers provides the cheapest minimum car insurance coverage in Ocean View. Their Average 6 Month Premium is $298. Encompass is the most expensive at $500 for the same period.

Cheapest Liability Coverage in Ocean View, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$298	$50
USAA	$298	$50
California Casualty	$379	$64
Cal Casualty	$383	$65
Farmers	$394	$65
State Farm	$445	$75
Progressive	$490	$82
Nationwide	$682	$116
Allstate	$1040	$175
Encompass	$500	$83

Cheapest Full Coverage Car Insurance in Ocean View

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 Ocean View is Travelers at $103 per month and $611 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ocean View, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$611	$103
USAA	$818	$138
State Farm	$823	$139
Cal Casualty	$909	$151
Encompass	$974	$166
Progressive	$1070	$180
California Casualty	$1197	$201
Nationwide	$1298	$216
Allstate	$1949	$328

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Average Car Insurance in Ocean View 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 Ocean View, DE increasing?

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

Car Insurance Premiums by Age in Ocean View

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 Ocean View,DE

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Ocean View at $237 per month. At $7867 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$1408	$237
USAA	$1535	$256
Progressive	$2590	$436
Travelers	$3691	$621
Nationwide	$5347	$910
Allstate	$7867	$1311

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 Ocean View, Travelers is the cheapest car insurance provider. At $955 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 Ocean View is Allstate, offering rates of around $2105 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$955	$161
Progressive	$1085	$183
USAA	$1369	$228
Nationwide	$1793	$305
State Farm	$1969	$328
Allstate	$2105	$354

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Car Insurance Rates with An Accident in Ocean View

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

Cheapest Car Insurance Companies after an At-Fault Accident in Ocean View

The cheapest car insurance companies after an at-fault accident in Ocean View include Travelers and USAA, offering $500 and $510, respectively. Allstate is an expensive provider with an average six-month premium of $3539.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$500	$84
USAA	$510	$86
California Casualty	$661	$111
Encompass	$677	$115
State Farm	$692	$116
American Family	$732	$124
Progressive	$949	$160
Nationwide	$1959	$333
Allstate	$3539	$590

Ocean View Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ocean View DE. For example, the car insurance in Ocean View 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.

Ocean View 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 Ocean View 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 Ocean View.

The cheapest car insurance premiums in Ocean View are offered by Travelers at $828 for a six-month policy. However, it can be as expensive as $2545 with companies like Nationwide.

Ocean View car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$828	$139
Progressive	$1075	$181
USAA	$1247	$210
State Farm	$1434	$241
Cal Casualty	$2202	$374
Allstate	$2525	$425
Nationwide	$2545	$433

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 Ocean View are offered by American Family at $555. However, it can be as expensive as $6266 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ocean View after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$555	$93
USAA	$682	$116
State Farm	$879	$148
Progressive	$1601	$269
Travelers	$1828	$308
Nationwide	$2989	$508
Allstate	$6266	$1045

Car Insurance Price Trends in Ocean View, Delaware

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

The average cost of full coverage in the Ocean View remained steady at $279 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Ocean View remained steady at $76 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 Ocean View?

The car insurance in Ocean View is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Ocean View?

The cheapest car insurance in Ocean View is $103 per month for full coverage.

How much is car insurance in Ocean View for teenagers?

Car insurance for teenagers costs $1408 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 Ocean View?

The average cost of car insurance is $1261 for a six-month policy. It will cost around $180 per month to insure your car in Ocean View.

Is car insurance expensive in Ocean View?

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

What is the best car insurance in Ocean View, DE?

The best car insurance company in Ocean View DE is Travelers, offering $611 for a six-month policy.