Wouldn’t life be so easy if we could just tell you the one company that has the cheapest rates for hybrid vehicles? Unfortunately, it’s just not that easy, as there are a whole slew of unknowns such as traffic citations and accidents, whether or not you have had gaps between policies, the crash test ratings of your vehicle, and the area where you live. In this article, we will cover these factors and others that can influence the price of auto insurance and should give you a good start in finding the cheapest insurance in Delaware.
Cost and performance of the vehicle you are buying coverage for is a large factor when comparison shopping for cheap auto insurance for hybrid vehicles in Delaware. Vehicles with lower performance, a great safety record, or a positive history of liability claims will cost much less to insure than higher performance models.
The data below showcases insurance premiums for some of the cheaper vehicles to insure in Delaware.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Ford Focus SE 2-Dr Coupe | $1,428 | $714 | $119 |
Honda Accord EX 2-Dr Coupe | $1,428 | $714 | $119 |
Honda Civic Hybrid 4-Dr Sedan | $1,364 | $682 | $114 |
Hyundai Elantra GLS 4-Dr Sedan | $1,334 | $667 | $111 |
Hyundai Sonata SE 4-Dr Sedan | $1,428 | $714 | $119 |
Kia Optima EX | $1,458 | $729 | $122 |
Nissan Altima 2.5 4-Dr Sedan | $1,274 | $637 | $106 |
Toyota Camry XLE | $1,334 | $667 | $111 |
Toyota Corolla XRS | $1,364 | $682 | $114 |
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can modify coverage prices considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
BMW X5 M AWD | $1,652 | $826 | $138 |
Cadillac Escalade Premium Edition 4WD | $1,686 | $843 | $141 |
Chevrolet Traverse LS 2WD | $1,106 | $553 | $92 |
Ford Escape XLT 4WD | $1,106 | $553 | $92 |
Ford Explorer Limited AWD | $1,304 | $652 | $109 |
GMC Acadia SLT 2WD | $1,274 | $637 | $106 |
Honda CR-V EX 4WD | $1,106 | $553 | $92 |
Honda Pilot EX-L 2WD | $1,304 | $652 | $109 |
Jeep Grand Cherokee SRT-8 4WD | $1,364 | $682 | $114 |
Lexus RX 350 4WD | $1,544 | $772 | $129 |
Nissan Pathfinder LE 2WD | $1,304 | $652 | $109 |
Subaru Forester XT Limited Edition W/Navigation AWD | $1,284 | $642 | $107 |
Toyota Highlander SE 2WD | $1,304 | $652 | $109 |
Toyota RAV4 4WD | $1,274 | $637 | $106 |
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in zip code location which can decrease or increase price quotes significantly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado LT Crew Cab 2WD | $1,458 | $729 | $122 |
Dodge Ram 2500 Crew Cab Laramie 2WD | $1,516 | $758 | $126 |
Dodge Ram 3500 Crew Cab ST 4WD | $1,838 | $919 | $153 |
Dodge Ram Crew Cab SLT 2WD | $1,398 | $699 | $117 |
Ford F-150 Lariat Super Cab 2WD | $1,304 | $652 | $109 |
GMC Sierra 2500HD SLT Extended Cab 2WD | $1,516 | $758 | $126 |
GMC Sierra 3500HD SLE Regular Cab 2WD | $1,392 | $696 | $116 |
GMC Sierra SL Extended Cab 2WD | $1,274 | $637 | $106 |
Toyota Tacoma Double Cab 4WD | $1,274 | $637 | $106 |
Toyota Tundra Regular Cab 2WD | $1,280 | $640 | $107 |
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in garaging location in Delaware which can influence coverage prices substantially.
For hybrids, one of the big considerations that is used by car insurance companies to calculate the annual cost of car insurance is where your residence is in Delaware. Urban areas that are densely populated like Wilmington, Brookside, and New Castle tend to have higher rates, whereas less populated areas benefit from lower prices.
The following table displays the priciest cities in Delaware for hybrid vehicles in which to buy car insurance.
Rank | City | Annual Premium |
---|---|---|
1 | Wilmington | $2,246 |
2 | Wilmington Manor | $2,191 |
3 | Brookside | $2,186 |
4 | Edgemoor | $2,184 |
5 | New Castle | $2,184 |
6 | Middletown | $2,132 |
7 | Newark | $2,085 |
8 | Elsmere | $2,028 |
9 | Bear | $2,021 |
10 | Claymont | $1,987 |
11 | Hockessin | $1,981 |
12 | Pike Creek | $1,980 |
13 | Smyrna | $1,835 |
14 | Seaford | $1,672 |
15 | Camden | $1,655 |
16 | Dover | $1,626 |
17 | Highland Acres | $1,624 |
18 | Laurel | $1,602 |
19 | Milford | $1,601 |
20 | Harrington | $1,594 |
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Premium amounts are estimated as specific location information can lower or raise auto insurance rates considerably.
When buying car insurance for hybrids in Delaware, the most popular companies are State Farm, Allstate, Progressive, and Geico. When combined, they make up over 45% of the car insurance market in the United States. The following table ranks pricing and service ratings, as well as optional policy coverages that are available for buyers.
State Farm | Allstate | Progressive | Geico | |
---|---|---|---|---|
Policy Discounts | 3rd | 1st | 4th | 2nd |
Policy Cost | 2nd | 4th | 3rd | 1st |
Claims Rank | 2nd | 1st | 4th | 3rd |
Overall Satisfaction | 4th | 2nd | 3rd | 1st |
U.S. market share | 18.3% | 10% | 8.8% | 11.4% |
Percent of customers who recommend | 88% | 86% | 88% | 87% |
A.M. Best financial rating | A++ | A+ | A+ | A++ |
Rideshare coverage | Yes | Yes | Yes | Yes |
Roadside service | Yes | Yes | Yes | Yes |
New car replacement coverage | No | Yes | No | No |
Breakdown insurance | No | No | Yes | Yes |
Rating based on usage | Yes | Yes | Yes | No |
Accident forgiveness | No | Yes | Yes | Yes |
Where you can buy | Only from State Farm agents | Can only buy from Allstate agents | Buy online or from an independent agent | Can buy online or use a Geico agent |
Number of agents | 18,000+ | 11,000+ | 30,000+ | 150+ |
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