How Much Does Car Insurance Cost in New Castle, DE?
When it comes to comparing car insurance quotes in New Castle, InsuranceQuotes could be your gateway to the cheapest auto insurance policy rates. By harnessing the powerful platform, you can easily secure quotes for automobile coverage from both local and national insurance providers, saving substantial amounts of time and money. With InsuranceQuotes as your trusted tool, you can put a halt to hours spent scouring multiple websites or contacting various insurers individually. Its professional and informative tone guarantees an efficient search process, effortlessly ensuring that you find the best solution tailored to your requirements while optimizing both cost and coverage.
How much should you expect to pay on average for car insurance in New Castle?
Average New Castle Car Insurance Rates:
- State Minimum Liability: You can expect to pay $139 a month or $1,668 a year.
- Full Coverage: You can expect to pay $359 a month or $4,309 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in New Castle – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in New Castle?
- In New Castle on average the cheapest auto insurance providers are GEICO, State Farm and Progressive.
- State minimum liability car insurance starts at $91 a month or $1,090 a year.
- Full coverage car insurance costs around $288 a month or $3,451 a year.
Here is a breakdown of average costs from the cheapest local insurance providers in New Castle from our data set of used-car drivers who are single, middle aged and have a clean driving record.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $1,090 | $91 | $3,451 | $288 |
| State Farm | $1,255 | $105 | $2,979 | $248 |
| Progressive | $1,303 | $109 | $3,507 | $292 |
| Nationwide | $1,484 | $124 | $2,749 | $229 |
| Allstate | $1,510 | $126 | $5,071 | $423 |
How Much Car Insurance Do I Need?
In Delaware, drivers are required to carry a minimum level of auto insurance coverage to legally operate a vehicle on the road. Auto insurance requirements in DE are listed below:
- Bodily Injury Liability Coverage:
- $25,000 per person for bodily injury
- $50,000 total for bodily injury per accident
- Property Damage Liability Coverage:
- $10,000 per accident for property damage
This is often written as 25/50/10 coverage in insurance terms. These minimum coverage amounts provide basic protection for you as a driver if you’re found at fault in an accident, helping to cover the costs of injuries or damages to others.
Keep in mind that these are the minimum legal requirements. In many cases, it’s advisable to consider higher coverage limits or additional types of coverage beyond the state’s minimums to ensure better protection, especially if you have assets to protect or want greater financial security in the event of an accident.
How to Save Money on Auto Insurance Policies
You can save money on your auto insurance by:
- Getting quotes from different companies and comparing prices.
- Taking a Defensive Driving Course to lower your rates.
- Asking about discounts for security features, such as anti-lock brakes, air bags, and passive restraint systems.
- Seeking companies that offer bundle discounts for home and auto insurance.
If you are older than 18 and you haven’t bought auto insurance before, you may have to pay higher rates. However, you can save money by asking about discounts that may be available to you. For inexperienced and younger drivers, these include discounts for good grades and driving safely.
