Cheapest Car Insurance Quotes in Pike Creek

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401,895 Policies Sold

Pike Creek Car Insurance

^$ 64

/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 Pike Creek

The car insurance rate in Pike Creek is $1374 for a six-month policy, which is $113 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $784, making it a popular choice for budget-conscious drivers. Rates in Pike 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.

Avg. Car Insurance in Pike Creek

$1374

Avg. Car Insurance in Delaware

$1261

National Average

$1140

Cheapest Car Insurance Companies in Pike Creek

1st place: Travelers

At $784 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1049 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 $1055 for six months, making it the third cheapest auto insurance company in Pike Creek.

Pike Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pike Creek, DE is Travelers, offering policies at just $784 for a six-month term. This is followed by USAA, which has an average six-month premium of $1049.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2499 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pike Creek drivers find the best deals.

Cheap Car Insurance Companies in Pike Creek, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$784	$132
USAA	$1049	$177
State Farm	$1055	$178
Cal Casualty	$1165	$194
Encompass	$1249	$213
Progressive	$1372	$231
California Casualty	$1535	$258
Nationwide	$1664	$277
Allstate	$2499	$421

Key Takeaways

Way's key takeaways about car insurance in Pike Creek

The auto insurance costs in Pike Creek fall around $784 for six months.
The cheapest auto insurance company in Pike Creek is Travelers.
Teen drivers pay the highest rate in Pike Creek at $1681 per month.

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Cheapest Minimum Liability Car Insurance in Pike 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 Pike Creek are given below.

Travelers provides the cheapest minimum car insurance coverage in Pike Creek. Their Average 6 Month Premium is $382. Encompass is the most expensive at $641 for the same period.

Cheapest Liability Coverage in Pike Creek, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$382	$64
USAA	$382	$64
California Casualty	$486	$82
Cal Casualty	$492	$84
Farmers	$505	$84
State Farm	$570	$96
Progressive	$628	$106
Nationwide	$874	$148
Allstate	$1334	$225
Encompass	$641	$107

Cheapest Full Coverage Car Insurance in Pike 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 Pike Creek is Travelers at $132 per month and $784 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pike Creek, DE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$784	$132
USAA	$1049	$177
State Farm	$1055	$178
Cal Casualty	$1165	$194
Encompass	$1249	$213
Progressive	$1372	$231
California Casualty	$1535	$258
Nationwide	$1664	$277
Allstate	$2499	$421

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Average Car Insurance in Pike 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 Pike Creek, DE increasing?

Despite maintaining a clean driving record, your car insurance rates in Pike 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, Pike 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 Pike 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

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Cheapest Car Insurance Rates for Teen Drivers in Pike 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 Pike Creek at $304 per month. At $10088 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$1806	$304
USAA	$1969	$328
Progressive	$3321	$559
Travelers	$4733	$797
Nationwide	$6856	$1166
Allstate	$10088	$1681

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 Pike Creek, Travelers is the cheapest car insurance provider. At $1224 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 Pike Creek is Allstate, offering rates of around $2700 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1224	$206
Progressive	$1392	$234
USAA	$1755	$292
Nationwide	$2299	$391
State Farm	$2526	$421
Allstate	$2700	$455

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Car Insurance Rates with An Accident in Pike 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 Pike Creek, DE, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Pike Creek

The cheapest car insurance companies after an at-fault accident in Pike Creek include Travelers and USAA, offering $641 and $654, respectively. Allstate is an expensive provider with an average six-month premium of $4539.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$641	$108
USAA	$654	$110
California Casualty	$848	$142
Encompass	$868	$147
State Farm	$887	$149
American Family	$938	$159
Progressive	$1218	$205
Nationwide	$2512	$427
Allstate	$4539	$756

Pike Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pike Creek DE. For example, the car insurance in Pike Creek after a DUI increases to $1192 for a six month policy. While the rate increases by $305 for a six-month policy in the case of a speeding ticket.

Pike Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1385	$231
One Med/PIP claim	$1385	$235
Two Med/PIP claims	$1418	$237
One comp claim	$1431	$243
Not-at-fault accident	$1457	$243
Two comp claims	$1469	$250
Failure to show documents	$1579	$264
Driving with expired registration	$1651	$281
Failure to wear a seat belt	$1651	$275
Child safety restraint	$1671	$284
Driving without lights	$1671	$278
Speeding 11 - 15 MPH over limit	$1690	$288
Speeding 6 - 10 MPH over limit	$1690	$281
Driving too slowly	$1703	$290
Speeding in school zone	$1703	$283
Cell phone violation	$1709	$291
Following too closely	$1709	$284
Speeding 16 - 20 MPH over limit	$1709	$291
Texting while driving	$1709	$284
At-fault accident - less than $1000	$1729	$294
Failure to stop at a red light	$1729	$288
Failure to yield	$1729	$294
Illegal turn	$1729	$288
Improper passing	$1729	$294
Wrong way/wrong lane	$1729	$288
Speeding 21 - 25 MPH over limit	$1748	$298
Passing school bus	$1775	$295
Open container	$1878	$319
At-fault accident - $1000-$2000	$1910	$318
At-fault accident - greater than $2000	$1929	$328
In 65 MPH zone	$1942	$324
Operating a vehicle without permission	$1982	$337
Reckless driving	$2499	$416
Refusal to submit to a chemical test	$2557	$435
Driving with a suspended license	$2570	$428
DUI	$2577	$438
Racing	$2609	$435
Leaving scene of an accident/hit and run	$2693	$458

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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 Pike 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 Pike Creek.

The cheapest car insurance premiums in Pike Creek are offered by Travelers at $1062 for a six-month policy. However, it can be as expensive as $3263 with companies like Nationwide.

Pike Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1062	$179
Progressive	$1379	$232
USAA	$1599	$269
State Farm	$1839	$310
Cal Casualty	$2823	$480
Allstate	$3237	$545
Nationwide	$3263	$555

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 Pike Creek are offered by American Family at $712. However, it can be as expensive as $8035 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Pike Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$712	$119
USAA	$874	$148
State Farm	$1127	$190
Progressive	$2052	$346
Travelers	$2344	$395
Nationwide	$3832	$652
Allstate	$8035	$1340

Car Insurance Price Trends in Pike Creek, Delaware

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

The average cost of full coverage in the Pike Creek remained steady at $358 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Pike Creek remained steady at $97 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 Pike Creek?

The car insurance in Pike Creek is $64 per month, which is lower than the national average.

What is the cheapest car insurance in Pike Creek?

The cheapest car insurance in Pike Creek is $132 per month for full coverage.

How much is car insurance in Pike Creek for teenagers?

Car insurance for teenagers costs $1806 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 Pike Creek?

The average cost of car insurance is $1261 for a six-month policy. It will cost around $231 per month to insure your car in Pike Creek.

Is car insurance expensive in Pike Creek?

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

What is the best car insurance in Pike Creek, DE?

The best car insurance company in Pike Creek DE is Travelers, offering $784 for a six-month policy.