Best Car Insurance in Millsboro 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Millsboro.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
July 3, 2021Volkswagen Jetta SE1996628Progressive$126/mo.$101/mo.
June 21, 2021Dodge Avenger Express1996625Allstate$189/mo.$116/mo.
October 3, 2021Hyundai Elantra GT1996629Progressive$190/mo.$145/mo.
February 7, 2021Buick Lucerne CXL1996626Progressive$276/mo.$166/mo.
Here’s more information about what impacts the insurance rates in your Millsboro.

How much does car insurance cost in Millsboro?

Car insurance in Millsboro, Delaware costs single-car drivers an average of $3,186 annually, or about $265 per month. Compared to the state annual average of $3,577, auto insurance in Millsboro is $392 lower higher.
A small town of around 4,300, Millsboro has become a spot popular with retirees and families alike. Its convenient location has all of the small-town necessities you may need and is only a short 30-minute drive away from the beaches of the Indian River Bay.
For a small town such as Millsboro, the cost of living will be generally inexpensive—so it shouldn’t be too challenging to find cheap car insurance.
The car insurance comparison and licensed broker app Jerry is your best bet for finding the most affordable insurance rates without any of the usual hassles!
After cross-analyzing the best policies from over 50 providers nationwide, Jerry will handle the phone calls, paperwork, and even update you on new quotes during your policy renewal period.
Here’s a rundown of what you need to know about car insurance in Millsboro.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Millsboro$3,186$2,169$2,268$1,581--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
MillsboroNational Average
All Coverage Before Jerry
$3,186$3,223
All Coverage After Jerry
$2,169$2,143
Minimum Coverage Before Jerry
$2,268$3,086
Minimum Coverage After Jerry
$1,581$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
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Choosing a carrier in Millsboro

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
The cost of car insurance rates in Millsboro are below the state average, but finding your perfect car insurance will help save you money over the long term.
With such a wide selection of carriers to choose from, selecting one that offers the coverage you need at an affordable price is definitely possible.
One of the go-to picks for drivers in Millsboro is State Farm. GEICO, Allstate, and Progressive are also great options. Finding the right provider for you will vary depending on your demographics, driving history, discount eligibility, and more.
Here’s what drivers pay with some of the most popular insurance providers in Millsboro before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$2,268$768Compare Prices
Progressive$2,165$453Compare Prices
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What kind of car insurance you need in Millsboro

In Millsboro, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Different states have different requirements for the minimum insurance that drivers must carry. In Delaware, you’re required to purchase a car insurance policy with at least the following liability insurance:
In case you’re involved in an accident or pulled over by law enforcement, you’ll need to have proof of insurance coverage with you. This is also needed to register your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
It’s usually a good idea to purchase more than the minimum required insurance. While liability coverage protects others and their property if you’re involved in an at-fault accident, it won’t protect you or your vehicle.
Here are some additional coverages that would be beneficial for drivers in Millsboro:
FactorRecommended coverageDescription
Many uninsured driversUninsured/underinsured motorist coverageIf you’re in an accident with a driver who is uninsured or has insufficient coverage, this will cover your property damage, medical bills, and other costs.
High collision riskCollision insuranceIn case of an accident, collision insurance protects you, regardless of who’s at fault, so you don’t have to pay out of pocket.
Severe weatherComprehensive coverageComprehensive insurance will cover physical damage to your car, including damage from any severe weather events, such as flash floods or landslides.

What determines your car insurance cost in Millsboro

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Millsboro, you could be paying as much as -- more per month than an adult driver. These are average rates for Jerry customers in Millsboro broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
25-34$3,177$1,033
35-44$5,196$780
55-64$1,464$684
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Millsboro with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,376$593
Careless Driving$4,560$1,374
Speeding under 15$3,539$1,235
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Where in Millsboro you live

It may seem like insurance rates in Millsboro should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Millsboro, residents of -- will have the most expensive car insurance rates, while people who live in 19966 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Millsboro:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
June 25, 202119966Buick Regal LimitedDE57AAA$122/mo.$58/mo.
July 3, 202119966Volkswagen Jetta SEDE28Progressive$126/mo.$101/mo.
June 21, 202119966Dodge Avenger ExpressDE25Allstate$189/mo.$116/mo.
October 3, 202119966Hyundai Elantra GTDE29Progressive$190/mo.$145/mo.
February 7, 202119966Buick Lucerne CXLDE26Progressive$276/mo.$166/mo.
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Why is car insurance in Millsboro so expensive?

A variety of considerations determine baseline car insurance rates in Millsboro. Insurance companies often consider the following:
The price of insurance in Millsboro is below the state average, and there are a number of factors that contribute to this.

Low rates of auto theft

The rate of auto theft in Millsboro is far below the national average. With a lower chance of theft, insurance agencies won’t have to account for heightened risk and will usually decrease their premiums.

Lower population density

With less than 5,000 residents, Millsboro roads don’t see too much congestion. A lowered risk of accidents in the area can help decrease car insurance rates.

How can you save money on car insurance in Millsboro?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Paying for car insurance can add up over time, so finding discounts is a great way to save! Most providers offer discounts, and you might even be able to save more by bundling discounts together.
Here are some common discounts available with insurance carriers in Millsboro:
DiscountDescription
Multi-policyBundling multiple insurance products with the same provider, like home and auto, could get you a discounted rate on each one.
Safe driverDelaware drivers with a good record can usually get a “safe driver” discount. If you’ve never had a crash or a speeding ticket, ask about this discount.
Defensive drivingTaking a state-approved defensive driving course lessens your risk as a driver and can result in discounted premiums.
Installing telematicsYou can install a free device that passively tracks your driving behavior and allows the company to reward you for safe driving. There’s usually a discount just for signing up, too.
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