Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Clayton, Delaware.

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Updated on Oct 11, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance in Clayton
Best Car Insurance Companies in Clayton
Best cheap car insurance quotes in Clayton
Average cost of car insurance in Clayton
Car insurance quotes in Clayton by rating factors
How do different factors impact your car insurance costs in Clayton?
How to lower car insurance costs in Clayton
FAQ
Methodology
Meet our experts

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How to find the cheapest car insurance in Clayton

On average, car insurance in Clayton costs about $105 per month for minimum coverage liability insurance, and about $204 per month for full coverage insurance. Clayton drivers pay -- than the average rate in Delaware.

It’s hard to find

cheap car insurance in Delaware

, let alone in Clayton! 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 company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$242	Rosa, 39 Zip: 19938	Mitsubishi Eclipse Cross SE	• 100,000/300,000 Liability • Comp / Collision
AAA	$265	Aiden, 31 Zip: 19938	Chevrolet Malibu LT	• State Minimum Liability • Comp / Collision
National General	$77	Jimmy, 52 Zip: 19938	Chevrolet Silverado K1500	• State Minimum Liability

Last Updated Oct 5, 2024

Compare car insurance quotes now

Best Car Insurance Companies in Clayton

There is no single best car insurance company in Clayton 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 Clayton,

Allstate

was the most flexible;

GEICO

the most affordable; and

Safeco

, Dairyland, and

Progressive

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

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 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:

Progressive

Tony (55 years old)

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Chevrolet Cruze LT

$146

per month

AAA

Lillian (27 years old)

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Pontiac G8

$187

per month

National General

Jimmy (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,

Delaware car accident laws

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	Rosa, 39 Zip: 19938	Mitsubishi Eclipse Cross SE
• State Minimum Liability • Comp / Collision	AAA	$265	Aiden, 31 Zip: 19938	Chevrolet Malibu LT

Last Updated Oct 5, 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

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Average cost of car insurance in Clayton

If you live in Clayton, you need to budget an average of $105 per month or $1,262 per year for minimum liability coverage. If you’d prefer a full-coverage insurance policy, you need to put aside about $204 per month or $2,452 per year.

Compare car insurance costs in other states

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Pennsylvania car insurance

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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	Travelers	$56	Lettie, 44 Zip: 19938	Pontiac Firebird	• 50,000/100,000 Liability
Speeding 6-10	Allstate	$64	Sylvia, 30 Zip: 19938	KIA Sorento	• 50,000/100,000 Liability • Comp / Collision

Last Updated Oct 11, 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.

Nationwide

Alfred (45 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Clayton, DE
(Zip Code: 19938)

RAM Promaster

$50

per month

Nationwide

Wayne (32 years old)

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Mazda 3

$58

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	William, 31 Zip: 19938	Hyundai Tucson GLS	• State Minimum Liability
At Fault With No Injury	National General	$117	Rebecca, 31 Zip: 19938	Hyundai Tucson GLS	• State Minimum Liability

Last Updated Oct 11, 2024

Cheapest car insurance in Clayton 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 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	$74	Vincent, 45 Zip: 19938	Buick Encore	• 100,000/300,000 Liability
Defective Equipment	Travelers	$65	Sam, 37 Zip: 19938	Subaru Impreza	• State Minimum Liability • Comp / Collision

Last Updated Oct 7, 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.

AAA

Lulu (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Clayton, DE
(Zip Code: 19938)

Saturn SKY

$54

per month

Travelers

Brent (20 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Clayton, DE
(Zip Code: 19938)

Chrysler 300

$81

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

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 Clayton, Jerry's expert customer service team can assist you.

AAA

Bess (74 years old)

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Nissan 240SX

$76

per month

Travelers

Jayden (72 years old)

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

BMW M235i

$69

per month

Cheap car insurance quotes in Clayton based on insurance history

A lapse in your car 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.

Progressive

Alma (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

AAA

Leo (30 years old)

Currently Insured

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Chevrolet Malibu LT

$265

per month

National General

Franklin (51 years old)

Currently Insured

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Chevrolet Silverado K1500

$77

per month

AAA

Lois (30 years old)

Currently Insured

Coverage

State Minimum

Clayton, DE
(Zip Code: 19938)

Chevrolet Malibu LT

$265

per month

Progressive

Alta (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

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

They quoted me an excellent price for car insurance after I had been a non driver and non insured person for 13 years.

Max

Fast and friendly service!

Carlisa

Good!

Rayma

I saved over $100 by switching!!!! I recommend it to all my family & friends.

Alexa

Cheap car insurance quotes in Clayton 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.

Clayton drivers with a credit score of 550 or less can find a company willing to insure them through Jerry.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
660 - 750	AAA	$229	Charlie, 25 Zip: 19938	Nissan Rogue S	• State Minimum Liability • Comp / Collision
660 - 750	National General	$67	Hulda, 25 Zip: 19938	Nissan Rogue S	• State Minimum Liability
550 - 659	Progressive	$146	Cecilia, 55 Zip: 19938	Chevrolet Cruze LT	• State Minimum Liability • Comp / Collision
< 550	National General	$77	Rachel, 51 Zip: 19938	Chevrolet Silverado K1500	• State Minimum Liability

Last Updated Oct 5, 2024

Cheap car insurance quotes in Clayton for popular cars

Although carbon-fiber inlays and quilted leather seating look nice, they’re expensive to repair. That’s why sports cars, luxury SUVs, and special-edition coupes are among

the most expensive cars to insure

If you want to save money, find a vehicle with low repair costs, a good security system, and excellent safety ratings. Most Clayton drivers consider these five models the best in all three categories:

MORE: How different kinds of cars affect your car insurance rates

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Chevrolet Chevrolet_silverado	Safeco	$62	Helena, 45 Zip: 19938	• 100,000/300,000 Liability • Comp / Collision
Ford Ford_f-150	Allstate	$71	Gussie, 36 Zip: 19938	• 100,000/300,000 Liability

Last Updated Oct 11, 2024

How to lower car insurance costs in Clayton

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!

MORE:

How do I get multiple car insurance quotes at once

Compare car insurance quotes now

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.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Clayton?

People living in Clayton pay on average $105 per month – or $1,262 per year – on state-minimum liability coverage. Full coverage in Clayton costs on average $204 per month of $2,452 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.

What is the cheapest car insurance in Clayton?

Based on thousands of Clayton drivers Jerry has worked with, car insurance in Clayton costs an average of $105 per month for state-minimum coverage and $204 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!

What is the best car insurance in Clayton?

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 Clayton 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.

What is the minimum car insurance in Clayton, Delaware?

The state-minimum car insurance in Clayton, 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

R.E. Fulton

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.

Lina Zhang

Licensed Insurance Agent

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.

Josh Damico

Head Of Insurance Operations

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.