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Cheapest car insurance in Bear, Delaware (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Bear, Delaware.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance in Bear

On average, car insurance in Bear costs about $137 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Bear drivers pay 26% more than the average rate in Delaware.  
It’s hard to find
cheap car insurance in Delaware
, let alone in Bear! There are dozens of different auto insurance companies hiding the cheapest option among hundreds of products. Luckily, there’s an easy way to find the best coverage for your needs (and the driver discounts for your budget).
Just ask
Jerry
to find it! Jerry captures your policy details with just a few questions and fetches quotes with the lowest rates in less than a minute. Finding
cheap car insurance
has never been easier—no phone calls or research required!
Check out these real quotes from real Jerry users below:
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$147
Joshua, 22
Zip: 19701
Lexus IS 300
• State Minimum Liability
AAA
$176
Blake, 25
Zip: 19701
Mazda Protege DX
• State Minimum Liability
Nationwide
$137
Chase, 41
Zip: 19701
Subaru Outback 2.5I Premium
• 50,000/100,000 Liability
• Comp / Collision
National General
$93
Lewis, 26
Zip: 19701
Infiniti Q50 Luxe
• State Minimum Liability
coverageLast Updated Apr 19, 2024

Best Car Insurance Companies in Bear

There is no single best car insurance company in Bear for everyone. Insurance rates depend on so many different factors that the most affordable provider varies from driver to driver. 
In choosing an auto insurance provider, you should also consider your expectations surrounding customer service and claims handling.
We conducted the largest shopping survey in the nation—to make sure we could provide the best insurance advice to every American driver. We learned that out of all the providers available in Bear,
Allstate
was the most flexible;
GEICO
the most affordable; and
Safeco
, Dairyland, and
Progressive
had the most helpful customer service departments.
Drivers in Bear rate various auto insurance companies on a scale of 0 to 5 in the table below.
Insurance companyOverall ratingPriceClaims experienceCustomer service
National General
4.7
4.8
N/A
4.7
State Farm
4.2
4.3
N/A
4.3
Progressive
4.2
3.4
N/A
4
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Bear

Delaware requires Bear drivers to carry both
liability car insurance
and
personal injury protection (PIP)
. After a car accident in which you were at fault, the former compensates any injured parties for bodily injuries and property damage. 
As for the latter, it covers hospitalization and surgery for you and your passengers, regardless of who’s to blame.
However, when it comes to car accidents, the minimum coverage limits are seldom enough. The at-fault party is often responsible for (a potentially huge) out-of-pocket expense.

Cheap minimum liability insurance quotes in Bear

According to
Delaware car insurance laws
, the minimum coverage limits required for liability and PIP insurance are 25/50/10 and 15/30, respectively. 
It’s illegal to carry any less than:
The minimum coverage tends to sell for the cheapest price. Here’s how much Bear car owners paid for a legally-compliant policy through Jerry:
card cover
Joshua (22 years old)
coverageCoverage
State Minimum
locationBear, DE
(Zip Code: 19701)
carLexus IS 300
$147
per month
card cover
Blake (25 years old)
coverageCoverage
State Minimum
locationBear, DE
(Zip Code: 19701)
$176
per month
card cover
Lewis (26 years old)
coverageCoverage
State Minimum
locationBear, DE
(Zip Code: 19701)
$93
per month

Do you need more than minimum coverage in Bear?

Probably! Your car insurance policy only covers damages equal to or lower than your coverage limits, and the minimum coverage limits in Bear are quite low. 
For example, when was the last time you saw a decent car for $10,000? If you damage another driver’s car beyond repair, the minimum requirements will probably leave you too underinsured to pay for its replacement. Plus,
Delaware car accident laws
say you can be sued in a personal injury lawsuit up to two years after the event.
The bottom line: Bear is densely-populated, so you should increase your liability and PIP coverage levels higher if you can.

Cheap full coverage car insurance quotes in Bear

Liability insurance coverage benefits other people, but full-coverage car insurance pays for repairs and replacements to your motor vehicle even if you’re at fault. 
Typically, if you lease or buy a car with a loan, you’ll be required to carry full coverage car insurance.
A full-coverage insurance policy usually contains liability coverage,
collision coverage
, and
comprehensive coverage
. Collision coverage pays to repair or replace your car if you hit another motor vehicle or a stationary object—even if it’s your fault. 
Comprehensive coverage pays the same benefits but for different reasons. If your car is vandalized, stolen, or has a tree branch dropped on the windshield, you’ll be glad to have it!
While full-coverage car insurance costs more than the bare minimum, you can bring your premiums back down with Jerry. Here are some of the best rates in Bear for complete peace of mind:
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$389
Andrew, 26
Zip: 19701
Hyundai Elantra SE
• State Minimum Liability
• Comp / Collision
AAA
$312
Jeremy, 35
Zip: 19701
RAM 1500 SLT
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$137
Chase, 41
Zip: 19701
Subaru Outback 2.5I Premium
coverageLast Updated Apr 22, 2024
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Average cost of car insurance in Bear

If you live in Bear, you need to budget an average of $137 per month or $1,644 per year for minimum liability coverage. If you’d prefer a full-coverage insurance policy, you need to put aside about $150 per month or $1,800 per year.

Car insurance quotes in Bear by rating factors 

Sometimes it seems like
car insurance is calculated
using a set of random formulas, but it’s not. All these factors affect the premiums you pay in Bear:  
  • Your age and demographics: New drivers, teen drivers, and senior drivers pay much higher premiums than the rest of the population.
  • Your driving record and claims history: Good driving records generally indicate good drivers, who pay lower rates.
  • Your parking spot: Unlike cities, where car accidents and crime cause millions of dollars in property damage, small towns enjoy lower rates.
  • Your motor vehicle: Cheaply-made cars that are cheap to repair are the most affordable to insure.
  • Your driving habits: Commuters are at a higher risk of getting into a car accident than stay-at-home workers and retirees, so they pay higher rates. 
  • Your credit score: Those with good credit scores get the lowest rates, while those with poor credit scores get the highest.

How do different factors impact your car insurance costs in Bear?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Delaware currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Bear:

Cheap car insurance quotes in Bear after driving violations

If you want to know why you’re paying so much for car insurance, start by looking at your Delaware driving record. 
Driver violation points significantly affect your insurance rates and which auto insurance companies are willing to work with you. Serious traffic violations—like a
reckless driving charge in Delaware
or a DUI—are an especially tough sell.

Cheapest car insurance in Bear after speeding ticket

The total cost of a
Delaware speeding ticket
is calculated by the following formula:
First, you take the base fine ($20 for first offenses, $25 for repeats) and add the speed multiplier ($2 for every mph over the posted speed limit over five). Factor in the court costs, various funds, and the seatbelt assessment, and you’re still missing the biggest penalty: how much a speeding ticket affects your car insurance.
A speeding-related traffic ticket can add more than 20% to your annual premiums in Bear. Lower them by looking for an auto insurance provider that will reward you for taking a defensive driving course.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Safeco
$68
Darrell, 36
Zip: 19701
Isuzu Ascender
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
Nationwide
$73
Curtis, 45
Zip: 19701
Saab 9-3
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 22, 2024

Cheapest car insurance in Bear after DUI

Delaware's DUI laws
are tough, bundling a fine, jail sentence, driver’s license suspension, and SR-22 filing requirement with every conviction. A conviction remains on your driving record for five years, which only makes it harder to find affordable insurance rates in Bear.
You can save money by choosing an insurance provider with a variety of driver discounts. Pick a company, buy a new policy, or
cancel an old one
with Jerry, who’s helped lots of high-risk Bear drivers with DUIs find low rates. 
card cover
Joseph (33 years old)
coverageCoverage
State Minimum
locationBear, DE
(Zip Code: 19701)
$47
per month
card cover
Jonathan (31 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationBear, DE
(Zip Code: 19701)
$71
per month

Cheapest car insurance in Bear after an at-fault accident

A clean Delaware driving record makes it easy to find lower rates in Bear, but if you’ve already made a few mistakes, don’t worry. High-risk drivers found savings after their at-fault accident with Jerry’s help.
Check out what Jerry users paid for insurance after different types of accidents below:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$211
Mark, 39
Zip: 19701
GMC Yukon SLT
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
AAA
$176
Essie, 25
Zip: 19701
Mazda Protege DX
• State Minimum Liability
Not At Fault
Allstate
$262
Rachel, 37
Zip: 19701
Mazda 3 i
• State Minimum Liability
At Fault With No Injury
National General
$162
Clayton, 22
Zip: 19701
Nissan Altima 2.5
• State Minimum Liability
coverageLast Updated Apr 18, 2024

Cheapest car insurance in Bear after other driving violations

If you’ve been hit with speeding, DUI, or
reckless driving charges in Delaware
, bringing your rates back down might seem impossible. However, there’s still one thing you can do to find affordable rates in Bear—turn to a licensed insurance broker!
A broker helps find the right coverage and price for every situation. Provided you’re looking in the right place (hint: try the App Store!), you can benefit from their advice for next to nothing.
See what jerry drivers paid for car insurance after various driving violations below:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Defective Equipment
Progressive
$386
Caleb, 26
Zip: 19701
Infiniti Q50 Luxe
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
AAA
$310
Rebecca, 54
Zip: 19701
Toyota RAV4 XLE
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
National General
$162
Carrie, 22
Zip: 19701
Nissan Altima 2.5
• State Minimum Liability
Improper Passing
Progressive
$127
Isaac, 26
Zip: 19701
Volkswagen Jetta
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 20, 2024

Cheap car insurance quotes in Bear by age

When you're a teen driver, your car insurance rates are high. The same goes for when you’re a senior driver. But between those two ages (25-75) is the magic sweet spot for annual premiums. 

Cheapest car insurance in Bear for young drivers

Since teen drivers between the ages of 16 and 19 are the most likely age group to be involved in a car accident, it's hard for them to find affordable insurance rates. New drivers and young drivers face similar challenges. 
No driving history? No problem! Look for Bear insurance companies that make learning affordable with driver discounts. You can find
cheap car insurance for new drivers
(and full coverage that pays for fixes regardless of fault) with a quote comparison app.
card cover
Joshua (22 years old)
coverageCoverage
State Minimum
locationBear, DE
(Zip Code: 19701)
carLexus IS 300
$147
per month
card cover
Dominic (22 years old)
coverageCoverage
State Minimum
locationBear, DE
(Zip Code: 19701)
$162
per month

Cheapest car insurance in Bear for senior drivers

Despite their experience, older drivers usually suffer vision and hearing loss as they age. They're also more likely to suffer severe injuries in a car accident. 
The
best car insurance for seniors
comes from companies that serve older adults and retirees. If you're looking for affordable plans while you spend your golden years in Bear, Jerry's expert customer service team can assist you.
card cover
Jeffery (69 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationBear, DE
(Zip Code: 19701)
$64
per month
card cover
Sally (75 years old)
coverageCoverage
State Minimum
locationBear, DE
(Zip Code: 19701)
$77
per month

Cheap car insurance quotes in Bear based on insurance history

A lapse in your car insurance history
can make it difficult to find cheap rates in Bear. Almost all providers consider even a short period of time spent uninsured as high-risk behavior.
If you’d like to start building up a positive insurance history, sign up for Jerry’s automatic reminders. Not only will you be notified before you miss a payment date, but you’ll also receive an annual cost comparison when it’s time to renew.
card cover
Charlotte (22 years old)
Currently Insured
coverageCoverage
State Minimum
locationBear, DE
(Zip Code: 19701)
carLexus IS 300
$147
per month
card cover
Georgia (41 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBear, DE
(Zip Code: 19701)
$137
per month
card cover
Rachel (37 years old)
Currently Insured
coverageCoverage
State Minimum
locationBear, DE
(Zip Code: 19701)
$262
per month
card cover
Aiden (25 years old)
Currently Insured
coverageCoverage
State Minimum
locationBear, DE
(Zip Code: 19701)
$176
per month
card cover
Virgie (26 years old)
Currently Insured
coverageCoverage
State Minimum
locationBear, DE
(Zip Code: 19701)
$93
per month

Cheap car insurance quotes in Bear for drivers with poor credit

Your credit score affects your car insurance rates because it tells insurance companies whether or not you have a history of paying your bills on time. Insurance providers typically offer lower rates to customers with good credit. 
Bear drivers with a credit score of 550 or less can find a company willing to insure them through Jerry.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$257
Russell, 32
Zip: 19701
Hyundai Sonata SEL Plus
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
AAA
$312
Edna, 35
Zip: 19701
RAM 1500 SLT
• State Minimum Liability
• Comp / Collision
660 - 750
National General
$65
Lou, 34
Zip: 19701
Toyota Camry LE
• State Minimum Liability
550 - 659
Progressive
$113
Rosetta, 23
Zip: 19701
Chrysler 200 Limited
• State Minimum Liability
< 550
AAA
$160
Anthony, 54
Zip: 19701
Chevrolet Silverado C1500
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 17, 2024

How to lower car insurance costs in Bear

1. Shop around and compare quotes

Insurance companies have different rules for setting premiums, and those rules change all the time! Experts recommend
shopping for car insurance quotes
from at least three companies every six months to make sure you're getting the best deal. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

 2. Hunt for car insurance discounts

Car insurance discounts
can transform an average rate into a stupendous deal. Call your provider and ask if they offer discounts for:
  • Good drivers. If you’ve held a
    clean driving record
    for at least three years, you’re due for some sweet discounts.
  • Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
  • Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
  • Bundling insurance products. Bundle your car and home insurance and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

You can keep protection and lower your monthly payments by reducing the deductible on your comprehensive insurance policy.

FAQ

People living in Bear pay on average $137 per month – or $1,644 per year – on state-minimum liability coverage. Full coverage in Bear costs on average $150 per month of $1,800 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free. 
Based on thousands of Bear drivers Jerry has worked with, car insurance in Bear costs an average of $137 per month for state-minimum coverage and $150 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Allstate
,
Geico
, and
Nationwide
receive good ratings from Bear drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry. 
The state-minimum car insurance in Bear, Delaware is $25,000 in bodily injury liability per person, $50,000 per accident, and $10,000 for damage to property. These coverages are commonly referred to as 25/50/10 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
badge icon
Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.