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Best Cheap Car Insurance in Historic New Castle, Delaware 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Single-car drivers in Historic New Castle pay an average of $4,725 annually for car insurance. That’s about $394 per month to insure your car.
Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.

Best car insurance companies in Historic New Castle

There’s no single company that offers the best rate to everyone in Historic New Castle . If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies.
Take a look at the table below for comparison of real Jerry customers’ rates in Historic New Castle :
Insurance Company
Average Cost
Annual Savings with Jerry
Travelers$5,664$2,838
Progressive$4,412$1,575
Compare Prices
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex.
Here’s what actual Jerry customers pay:
Quote DateCar
Before Jerry
After Jerry
Zip CodeNameAgeInsurance Company
November 10, 2022Nissan Versa S$330/mo.$159/mo.19720Tillie H.34Progressive
October 22, 2022Gmc Yukon SLT$300/mo.$281/mo.19720Myrtie H.38Progressive
February 23, 2022Toyota Corolla Base$332/mo.$172/mo.19720Lela H.27Progressive
August 22, 2021Dodge Charger$472/mo.$234/mo.19720Danny M.44Travelers
Jerry helped Joshua from Smyrna save $953 per year by switching to National General
2 hours ago
Jerry helped Effie from Claymont save $1443 per year by switching to Safeco
2 hours ago

How much does car insurance in Historic New Castle cost?

Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in Historic New Castle:
How do Historic New Castle insurance rates compare to similar areas? Take a look at the table below to see. 
Let’s break down what makes car insurance in Historic New Castle so expensive. The graph below shows how much Delaware drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
  • Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
  • Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
  • Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does Delaware require?
In Delaware, drivers need $25,000 for bodily injury liability per person, $50,000 of bodily injury liability for each accident, and $10,000 of property liability for each accident. These requirements are known as the 25/50/10 rule. Delaware drivers will also need to carry personal injury protection (PIP) coverage.
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
No, Delaware is an at-fault state that gives you the option of buying no-fault coverage. If you purchase personal injury protection (PIP), and are involved in an accident, you and your passengers will have medical expenses paid for immediately, regardless of who is at fault for the accident or if you have health insurance.
If you do not opt for this coverage, the at-fault driver’s insurance will pay for you and your passengers' injuries, once their insurance company accepts liability and confirms that there is enough coverage.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.

Best car insurance for bad drivers in Historic New Castle

Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s how much Jerry customers in Historic New Castle with a history of violations saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$4,834$1,868
Speeding under 15$3,960$2,050

Historic New Castle driving violation FAQ's

How much is car insurance in Historic New Castle with a DUI?

If you have a DUI on your record, your car insurance premium in Historic New Castle could increase by as much as 21%.

How much does your car insurance increase after a speeding ticket in Historic New Castle?

If you’re caught speeding through Historic New Castle and end up with a ticket, you can expect to see your insurance rate jump by about 36%. And keep in mind—repeated speeding tickets could cause an even bigger increase!

Best car insurance in Historic New Castle by age

Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!

Best car insurance in Historic New Castle for young drivers

That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
  • Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
  • If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
  • Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
  • Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
  • Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in Historic New Castle based on your age? Check out the table below.

Car insurance in Historic New Castle for your car

Your age and driving record aren’t the only things that determine your car insurance rates in Historic New Castle. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in Delaware—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other Historic New Castle neighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in Historic New Castle.
Car
Average Cost
Annual Savings with Jerry
Lincoln Mks$2,439$1,003
Honda Civic LX$2,222$959
Ford Escape XLT$2,111$856
Chevrolet Equinox LT$2,247$813
Acura Tsx$2,052$648

Historic New Castle car FAQ's

More people in Historic New Castle drive a Dodge Charger than any other car! On average, these drivers pay $2,970 for their auto insurance.

What is the most expensive car to insure in Historic New Castle?

At an average of $3,411 per year, a Gmc Yukon Slt is the most expensive car to insure in Historic New Castle. If you drive one, we’re sorry.

Car insurance cost based on where you live in Historic New Castle:

Now, we’ve been talking about “drivers in Historic New Castle” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within Historic New Castle, drivers in the -- zip code typically have the highest car insurance premiums, while the cheapest rates are found in the 19720 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
November 10, 2022Nissan Versa S$330/mo.$159/mo.19720DETillie H.34Progressive
February 23, 2022Toyota Corolla Base$332/mo.$172/mo.19720DELela H.27Progressive
August 22, 2021Dodge Charger$472/mo.$234/mo.19720DEDanny M.44Travelers
October 22, 2022Gmc Yukon SLT$300/mo.$281/mo.19720DEMyrtie H.38Progressive

How can you save money on car insurance in Historic New Castle?

Let’s face it: living in Historic New Castle means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in Historic New Castle.

Compare quotes and shop often

That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.

Hunt for discounts

Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
  • Good driver discounts:
     
    Historic New Castle drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts:
     
    You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts:
     
    Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts:
     
    You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in Delaware—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.

Increase your deductible

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.

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