Cheapest Car Insurance Quotes in Delaware Water Gap

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Delaware Water Gap Car Insurance

^$ 16

/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 Delaware Water Gap

The car insurance rate in Delaware Water Gap is $952 for a six-month policy, which is $165 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $445, making it a popular choice for budget-conscious drivers. Rates in Delaware Water Gap 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 Delaware Water Gap

$952

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Delaware Water Gap

1st place: AutoOwners Insurance Co

At $445 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners

AutoOwners offers auto insurance rates at $460 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National P&C

American National P&C offers auto insurance rates at $618 for six months, making it the third cheapest auto insurance company in Delaware Water Gap.

Delaware Water Gap Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Delaware Water Gap, PA is AutoOwners Insurance Co, offering policies at just $445 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $460.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1624 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Delaware Water Gap drivers find the best deals.

Cheap Car Insurance Companies in Delaware Water Gap, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$445	$74
Auto-Owners	$460	$79
American National P&C	$618	$103
Travelers	$668	$113
Westfield	$741	$123
Erie	$970	$163
State Farm	$1014	$171
Nationwide	$1042	$175
Encompass	$1179	$196
Allstate	$1279	$215
USAA	$1394	$235
Progressive	$1624	$273

Key Takeaways

Way's key takeaways about car insurance in Delaware Water Gap

The auto insurance costs in Delaware Water Gap fall around $445 for six months.
The cheapest auto insurance company in Delaware Water Gap is AutoOwners.
Teen drivers pay the highest rate in Delaware Water Gap at $757 per month.

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Cheapest Minimum Liability Car Insurance in Delaware Water Gap

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 Delaware Water Gap are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Delaware Water Gap. Their Average 6 Month Premium is $93. Allstate is the most expensive at $597 for the same period.

Cheapest Liability Coverage in Delaware Water Gap, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$93	$16
Westfield	$173	$29
Auto-Owners Insurance Co	$180	$30
Travelers	$215	$36
Erie	$230	$39
American National P&C	$237	$40
Chubb	$252	$42
State Farm	$301	$51
USAA	$301	$51
Progressive	$323	$54
Nationwide	$374	$62
Allstate	$597	$102

Cheapest Full Coverage Car Insurance in Delaware Water Gap

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 Delaware Water Gap is AutoOwners Insurance Co at $74 per month and $445 for six months.

Cheapest Full Coverage Car Insurance Quotes in Delaware Water Gap, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$445	$74
Auto-Owners	$460	$79
American National P&C	$618	$103
Travelers	$668	$113
Westfield	$741	$123
Erie	$970	$163
State Farm	$1014	$171
Nationwide	$1042	$175
Encompass	$1179	$196
Allstate	$1279	$215
USAA	$1394	$235
Progressive	$1624	$273

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Average Car Insurance in Delaware Water Gap 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 Delaware Water Gap, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Delaware Water Gap, Pennsylvania, may be increasing due to several external factors. Pennsylvania has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Delaware Water Gap's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Delaware Water Gap

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
20s	Travelers	$682
30s	Travelers	$472
40s	Travelers	$444
50s	Travelers	$425
60s	Travelers	$425
70s	Travelers	$500

Cheapest Car Insurance Rates for Teen Drivers in Delaware Water Gap,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Delaware Water Gap at $30 per month. At $4456 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$180	$30
Auto-Owners Insurance Co	$208	$35
American National P&C	$273	$46
Chubb	$301	$51
Travelers	$863	$145
Erie	$1056	$178
State Farm	$1445	$243
USAA	$1897	$316
Allstate	$3176	$540
Progressive	$4398	$733
Nationwide	$4456	$757

Teen Car Insurance Rates in PA by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Delaware Water Gap.

As young drivers face the highest rates in Delaware Water Gap, Travelers offers the cheapest auto insurance rates at $682 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 Delaware Water Gap, Westfield is the cheapest car insurance provider. At $281 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 Delaware Water Gap is State Farm, offering rates of around $3860 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$281	$47
Auto-Owners Insurance Co	$288	$48
Chubb	$338	$57
American National P&C	$381	$65
USAA	$1093	$182
Nationwide	$1107	$186
Erie	$1761	$294
Travelers	$1998	$340
Allstate	$2689	$448
Progressive	$2961	$503
State Farm	$3860	$644

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Save up to $971/yr on car insurance rates in Delaware Water Gap.

Car Insurance Rates with An Accident in Delaware Water Gap

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 Delaware Water Gap, PA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Delaware Water Gap

The cheapest car insurance companies after an at-fault accident in Delaware Water Gap include AutoOwners and Westfield, offering $93 and $252, respectively. Allstate is an expensive provider with an average six-month premium of $1638.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$93	$16
Westfield	$252	$42
Donegal	$281	$47
Auto-Owners Insurance Co	$288	$48
Chubb	$338	$57
American National P&C	$345	$58
Erie	$431	$73
Travelers	$518	$87
State Farm	$532	$90
USAA	$941	$159
Progressive	$1014	$171
Nationwide	$1337	$223
Allstate	$1638	$278

Delaware Water Gap Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Delaware Water Gap PA. For example, the car insurance in Delaware Water Gap after a DUI increases to $1207 for a six month policy. While the rate increases by $1330 for a six-month policy in the case of a speeding ticket.

Delaware Water Gap auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1330	$221
Cell phone violation	$1552	$264
Failure to wear a seat belt	$1552	$259
Failure to stop at a red light	$1567	$266
Illegal turn	$1567	$261
Improper passing	$1567	$266
Speeding in school zone	$1567	$261
Texting while driving	$1567	$266
Driving with expired registration	$1574	$263
Speeding 16 - 20 MPH over limit	$1574	$267
Wrong way/wrong lane	$1589	$265
Open container	$1682	$286
Reckless driving	$2451	$409
Racing	$2494	$424
DUI	$2537	$422
Driving with a suspended license	$2552	$434
Leaving scene of an accident/hit and run	$2574	$428

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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 Delaware Water Gap 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 Delaware Water Gap.

The cheapest car insurance premiums in Delaware Water Gap are offered by American National P&C at $388 for a six-month policy. However, it can be as expensive as $3012 with companies like Nationwide.

Delaware Water Gap car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$388	$64
Travelers	$611	$103
Erie	$905	$152
Allstate	$1157	$195
Progressive	$1222	$206
State Farm	$1229	$207
USAA	$1286	$217
Nationwide	$3012	$507

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 Delaware Water Gap are offered by Westfield at $151. However, it can be as expensive as $1948 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Delaware Water Gap after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$151	$25
Auto-Owners Insurance Co	$194	$33
Erie	$553	$93
Travelers	$553	$93
State Farm	$633	$106
USAA	$1222	$208
Allstate	$1638	$273
Progressive	$1739	$295
Nationwide	$1948	$324

Car Insurance Price Trends in Delaware Water Gap, Pennsylvania

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

The average cost of full coverage in the Delaware Water Gap rose by $202 in December compared to $195 of November. In other words, there has been an increase by $7 when you compare December and November.

The average cost of liability insurance in the Delaware Water Gap remained steady at $45 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 Delaware Water Gap?

The car insurance in Delaware Water Gap is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Delaware Water Gap?

The cheapest car insurance in Delaware Water Gap is $74 per month for full coverage.

How much is car insurance in Delaware Water Gap for teenagers?

Car insurance for teenagers costs $180 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 Delaware Water Gap?

The average cost of car insurance is $787 for a six-month policy. It will cost around $160 per month to insure your car in Delaware Water Gap.

Is car insurance expensive in Delaware Water Gap?

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

Cheapest Car Insurance Quotes in Delaware Water Gap

Why you can trust Way?

How Much Is Car Insurance in Delaware Water Gap

Avg. Car Insurance in Delaware Water Gap

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Delaware Water Gap

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Delaware Water Gap Car Insurance Rates by Company

Cheap Car Insurance Companies in Delaware Water Gap, PA

Way's key takeaways about car insurance in Delaware Water Gap

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Delaware Water Gap

Cheapest Liability Coverage in Delaware Water Gap, PA

Cheapest Full Coverage Car Insurance in Delaware Water Gap

Cheapest Full Coverage Car Insurance Quotes in Delaware Water Gap, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Delaware Water Gap by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Delaware Water Gap, PA increasing?

Car Insurance Premiums by Age in Delaware Water Gap

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Delaware Water Gap,PA

If you are in your twenties Travelers is the best choice for car insurance in Delaware Water Gap.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Delaware Water Gap

Cheapest Car Insurance Companies after an At-Fault Accident in Delaware Water Gap

Delaware Water Gap Car Insurance Rates by Violation

Delaware Water Gap auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Delaware Water Gap after a DUI

Delaware Water Gap car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Delaware Water Gap after Speeding ticket

Car Insurance Price Trends in Delaware Water Gap, Pennsylvania

Average Car Insurance Cost in Delaware Water Gap by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Delaware Water Gap, PA

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources