PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Cheapest car insurance in Delaware City, Delaware (Sep 2023)
Cheapest car insurance in Delaware City, Delaware (Sep 2023)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Delaware City.
Find Insurance Savings (100% Free!)
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Delaware City
- Best Car Insurance Companies in Delaware City
- Best cheap car insurance quotes in Delaware City
- Average cost of car insurance in Delaware City
- Car insurance quotes in Delaware City by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in Delaware City?
- How to lower car insurance costs in Delaware City
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Delaware City
On average, car insurance in Delaware City costs about per month for minimum coverage liability insurance, and about per month for full coverage insurance. Delaware City drivers pay than the average rate in Delaware.
It’s hard to find
cheap car insurance in Delaware
, let alone in Delaware City! 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:
| Quote Date | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
September 14, 2023 | Nationwide | $158 | Larry, 48 Zip: 19706 | Chevrolet Trailblazer EXT LS | • 50,000/100,000 Liability • Comp / Collision |
September 9, 2023 | Progressive | $142 | Effie, 54 Zip: 19706 | Toyota C-HR XLE | • State Minimum Liability • Comp / Collision |
September 4, 2023 | National General | $77 | Lily, 43 Zip: 19706 | Honda CR-V EX | • State Minimum Liability |
Last Updated Sep 24, 2023How'd we get this data?
Real Insurance Agents
Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).
Real Insurance Quotes
Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.
Real Insurance Companies
We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.
Best Car Insurance Companies in Delaware City
There is no single best car insurance company in Delaware City 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 Delaware City,
Allstate
was the most flexible; GEICO
the most affordable; and Safeco
, Dairyland
, and Progressive
had the most helpful customer service departments.Drivers in Delaware City 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.
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 Delaware City
Delaware requires Delaware City 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 Delaware City
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:
- $50,000 of bodily injury 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 Delaware City car owners paid for a legally-compliant policy through Jerry:
Effie (54 years old)
$142
per month
Lily (43 years old)
$77
per month
Do you need more than minimum coverage in Delaware City?
Probably! Your car insurance policy only covers damages equal to or lower than your coverage limits, and the minimum coverage limits in Delaware City 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: Delaware City is densely-populated, so you should increase your liability and PIP coverage levels higher if you can.
Cheap full coverage car insurance quotes in Delaware City
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 Delaware City for complete peace of mind:
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $142 | Effie, 54 Zip: 19706 | Toyota C-HR XLE |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $158 | Larry, 48 Zip: 19706 | Chevrolet Trailblazer EXT LS |
Last Updated Sep 24, 2023
"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.
Average cost of car insurance in Delaware City
If you live in Delaware City, you need to budget an average of per month or per year for minimum liability coverage. If you’d prefer a full-coverage insurance policy, you need to put aside about per month or per year.
Car insurance quotes in Delaware City 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 Delaware City: - 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 Delaware City?
How Do Different Factors Impact Your Car Insurance Costs in Delaware City?
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 Delaware City:
Cheap car insurance quotes in Delaware City 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 Delaware City after an at-fault accident
A clean
Delaware driving record
makes it easy to find lower rates in Delaware City, 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 |
|---|---|---|---|---|---|
Not At Fault | Progressive | $142 | Sophie, 54 Zip: 19706 | Toyota C-HR XLE | • State Minimum Liability • Comp / Collision |
Last Updated Sep 24, 2023Cheapest car insurance in Delaware City 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 Delaware City—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:
Cheap car insurance quotes in Delaware City 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 Delaware City 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 Delaware City 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.Georgia (23 years old)
$251
per month
Cheap car insurance quotes in Delaware City based on insurance history
A lapse in your car insurance history
can make it difficult to find cheap rates in Delaware City. 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.
Evelyn (54 years old)
$142
per month
Jim (48 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Delaware City, DE (Zip Code: 19706)$158
per month
Fannie (43 years old)
$77
per month
Alan (48 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Delaware City, DE (Zip Code: 19706)$158
per month
Katharine (54 years old)
$142
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 Delaware City 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.
Delaware City 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 | Progressive | $142 | Lawrence, 54 Zip: 19706 | Toyota C-HR XLE | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $142 | Sophie, 54 Zip: 19706 | Toyota C-HR XLE | • State Minimum Liability • Comp / Collision |
550 - 659 | National General | $77 | Angel, 43 Zip: 19706 | Honda CR-V EX | • State Minimum Liability |
Last Updated Sep 24, 2023Cheap car insurance quotes in Delaware City 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 Delaware City drivers consider these five models the best in all three categories:
How to lower car insurance costs in Delaware City
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 aclean driving recordfor 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 insuranceand 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
How much is car- insurance in Delaware City?
People living in Delaware City pay on average per month – or per year – on state-minimum liability coverage. Full coverage in Delaware City costs on average per month of 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 Delaware City?
Based on thousands of Delaware City drivers Jerry has worked with, car insurance in Delaware City costs an average of per month for state-minimum coverage and 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 Delaware City?
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 Delaware City 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 Delaware City, Delaware?
The state-minimum car insurance in Delaware City, 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
Expert Insurance Writer and Editor
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.
