Cheapest car insurance in Clayton, Delaware (Nov 2024)

, Dairyland, and

personal injury protection (PIP)

had the most helpful customer service departments.

Drivers in Clayton rate various auto insurance companies on a scale of 0 to 5 in the table below.

Insurance company	Overall rating	Price	Claims experience	Customer 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

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 Clayton

Delaware requires Clayton drivers to carry both

liability car insurance

and

. 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 Clayton

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:

$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

The minimum coverage tends to sell for the cheapest price. Here’s how much Clayton car owners paid for a legally-compliant policy through Jerry:

Francis (55 years old)

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Chevrolet Cruze LT

$146

per month

Delaware car accident laws

Steve (27 years old)

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Pontiac G8

$187

per month

National General

Lily (52 years old)

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Chevrolet Silverado K1500

$77

per month

Do you need more than minimum coverage in Clayton?

Probably! Your car insurance policy only covers damages equal to or lower than your coverage limits, and the minimum coverage limits in Clayton 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,

say you can be sued in a personal injury lawsuit up to two years after the event.

The bottom line: Clayton is densely-populated, so you should increase your liability and PIP coverage levels higher if you can.

Cheap full coverage car insurance quotes in Clayton

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 Clayton for complete peace of mind:

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• 100,000/300,000 Liability • Comp / Collision	Progressive	$242	Rachel, 39 Zip: 19938	Mitsubishi Eclipse Cross SE
• State Minimum Liability • Comp / Collision	AAA	$265	Eugene, 31 Zip: 19938	Chevrolet Malibu LT

Last Updated Nov 21, 2024

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Clayton

If you live in Clayton, 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 $216 per month or $2,597 per year.

Compare car insurance costs in other states

Maryland car insurance

New Jersey car insurance

Pennsylvania car insurance

Virginia car insurance

Connecticut car insurance

West Virginia car insurance

Rhode Island car insurance

North Carolina car insurance

Car insurance quotes in Clayton 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 Clayton:

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 Clayton?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.

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 Clayton:

Cheap car insurance quotes in Clayton 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 Clayton 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 Clayton. 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	Progressive	$66	Elnora, 34 Zip: 19938	Nissan Altima	• State Minimum Liability
Speeding 6-10	AAA	$70	Harold, 45 Zip: 19938	Jeep Gladiator	• State Minimum Liability

Last Updated Nov 20, 2024

Cheapest car insurance in Clayton 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 Clayton.

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 Clayton drivers with DUIs find low rates.

Steven (42 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Clayton, DE
(Zip Code: 19938)

Toyota Corolla

$69

per month

reckless driving charges in Delaware

Lucinda (30 years old)

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Buick Encore

$69

per month

Cheapest car insurance in Clayton after an at-fault accident

A clean Delaware driving record makes it easy to find lower rates in Clayton, 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 type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With No Injury	Progressive	$91	Barbara, 31 Zip: 19938	Hyundai Tucson GLS	• State Minimum Liability
At Fault With No Injury	National General	$117	Eugenia, 31 Zip: 19938	Hyundai Tucson GLS	• State Minimum Liability

Last Updated Nov 21, 2024

Cheapest car insurance in Clayton after other driving violations

If you’ve been hit with speeding, DUI, or

, bringing your rates back down might seem impossible. However, there’s still one thing you can do to find affordable rates in Clayton—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:

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Progressive	$71	Rhoda, 39 Zip: 19938	Audi A6	• 50,000/100,000 Liability
Defective Equipment	Nationwide	$52	Clarence, 36 Zip: 19938	Porsche Cayenne	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 21, 2024

Cheap car insurance quotes in Clayton 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 Clayton 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 Clayton 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.

best car insurance for seniors

Cory (21 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Clayton, DE
(Zip Code: 19938)

Porsche Cayenne

$59

per month

Nationwide

Jeremiah (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Clayton, DE
(Zip Code: 19938)

RAM Promaster

$73

per month

Cheapest car insurance in Clayton 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

comes from companies that serve older adults and retirees. If you're looking for affordable plans while you spend your golden years in Clayton, Jerry's expert customer service team can assist you.

Nationwide

Lilly (69 years old)

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

RAM Promaster

$78

per month

A lapse in your car insurance history

Sara (73 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Clayton, DE
(Zip Code: 19938)

Volkswagen Jetta

$56

per month

Cheap car insurance quotes in Clayton based on insurance history

can make it difficult to find cheap rates in Clayton. 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.

Ora (45 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Clayton, DE
(Zip Code: 19938)

Nissan Murano S

$269

per month

Bernice (30 years old)

Currently Insured

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Chevrolet Malibu LT

$265

per month

National General

Jonathan (51 years old)

Currently Insured

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Chevrolet Silverado K1500

$77

per month

Abbie (30 years old)

Currently Insured

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Chevrolet Malibu LT

$265

per month