Cheapest car insurance in Bear, Delaware (Sep 2024)

How to find the cheapest car insurance in Bear

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$91	Dustin, 40 Zip: 19701	Toyota 4runner SR5	• State Minimum Liability • Comp / Collision
Nationwide	$137	Bernard, 42 Zip: 19701	Subaru Outback 2.5I Premium	• 50,000/100,000 Liability • Comp / Collision
AAA	$176	Shawn, 26 Zip: 19701	Mazda Protege DX	• State Minimum Liability
National General	$178	Alvin, 37 Zip: 19701	Chrysler 300 Touring	• State Minimum Liability

Last Updated Sep 15, 2024

Best Car Insurance Companies in Bear

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

Cheap minimum liability insurance quotes in Bear

$25,000 of
bodily injury liability
coverage per person
$50,000 of bodily injury liability coverage per accident
$10,000 of
property damage liability
coverage per accident
$15,000 of PIP coverage per person
$30,000 of PIP coverage per accident

Progressive

Dustin (40 years old)

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

Toyota 4runner SR5

$91

per month

AAA

Shawn (26 years old)

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

Mazda Protege DX

$176

per month

National General

Alvin (37 years old)

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

Chrysler 300 Touring

$178

per month

Do you need more than minimum coverage in Bear?

Cheap full coverage car insurance quotes in Bear

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$91	Dustin, 40 Zip: 19701	Toyota 4runner SR5
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$137	Bernard, 42 Zip: 19701	Subaru Outback 2.5I Premium
• State Minimum Liability • Comp / Collision	AAA	$312	Irene, 36 Zip: 19701	RAM 1500 SLT

Last Updated Sep 15, 2024

Average cost of car insurance in Bear

Car insurance quotes in Bear by rating factors 

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.

Cheap car insurance quotes in Bear after driving violations

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 Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Safeco	$66	Randy, 30 Zip: 19701	Chrysler 300	• 50,000/100,000 Liability • Comp / Collision
Speeding 6-10	Nationwide	$74	Ida, 43 Zip: 19701	Porsche Cayenne	• 50,000/100,000 Liability

Last Updated Sep 12, 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. 

Travelers

Marian (44 years old)

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

Toyota 4runner

$73

per month

Progressive

Tom (44 years old)

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

Jeep Wrangler

$59

per month

Cheapest car insurance in Bear after an at-fault accident

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance 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

Last Updated Sep 12, 2024

Cheapest car insurance in Bear after other driving violations

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance 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

Last Updated Sep 14, 2024

Cheap car insurance quotes in Bear by age

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.

Progressive

Beulah (24 years old)

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

Chrysler 200 Limited

$113

per month

National General

Ola (23 years old)

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

Nissan Altima 2.5

$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.

Safeco

Clarence (66 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Bear, DE
(Zip Code: 19701)

Hyundai Kona

$74

per month

Safeco

Eula (72 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Bear, DE
(Zip Code: 19701)

Acura ZDX

$58

per month

Cheap car insurance quotes in Bear based on insurance history

Progressive

Charlotte (22 years old)

Currently Insured

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

Lexus IS 300

$147

per month

Nationwide

Georgia (41 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Bear, DE
(Zip Code: 19701)

Subaru Outback 2.5I Premium

$137

per month

Allstate

Rachel (37 years old)

Currently Insured

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

Mazda 3 i

$262

per month

AAA

Aiden (25 years old)

Currently Insured

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

Mazda Protege DX

$176

per month

National General

Virgie (26 years old)

Currently Insured

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

Infiniti Q50 Luxe

$93

per month

Cheap car insurance quotes in Bear for popular cars

Chevrolet Silverado
Ford F-150
Toyota RAV 4
RAM 1500 Limited
Honda CR-V

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4 XLE	Progressive	$197	Eunice, 44 Zip: 19701	• State Minimum Liability • Comp / Collision
RAM 1500 SLT	AAA	$312	Gertrude, 35 Zip: 19701	• State Minimum Liability • Comp / Collision

Last Updated Sep 17, 2024

Cheapest car insurance in Bear for new vs. old car

It’s usually more expensive to insure a new car than an older one. In Bear, the average cost to insure a car older than 10 years is $152 per month. By contrast, the average cost of insuring a car less than four years old is $152 per month.

Progressive

Dustin (40 years old)

2019 Toyota 4runner SR5

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

$91

per month

AAA

Shawn (26 years old)

2003 Mazda Protege DX

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

$176

per month

Nationwide

Bernard (42 years old)

2017 Subaru Outback 2.5I Premium

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Bear, DE
(Zip Code: 19701)

$137

per month

Allstate

Carlos (38 years old)

2007 Mazda 3 i

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

$262

per month

National General

Alvin (37 years old)

2019 Chrysler 300 Touring

Coverage

State Minimum

Bear, DE
(Zip Code: 19701)

$178

per month

How to lower car insurance costs in Bear

1. Shop around and compare quotes

 2. Hunt for car insurance discounts

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