Cheapest Auto Insurance for Active Military in Delaware

Cheapest Auto Insurance for Active Military in Delaware

For military personnel, one of the largest factors that insurance companies use when figuring the policy price is where you live in Delaware. Areas with more people like Wilmington Manor, Middletown, and New Castle tend to pay more, whereas areas that are not as densely populated have the luxury of lower rates.

The information below illustrates the most expensive cities in Delaware for active military to purchase car insurance in.

Most expensive Delaware cities for auto insurance
Rank City Annual Rate
1 Wilmington Manor $2,257
2 Wilmington $2,246
3 Middletown $2,153
4 Brookside $2,142
5 New Castle $2,140
6 Edgemoor $2,120
7 Bear $2,061
8 Claymont $2,048
9 Elsmere $2,028
10 Newark $2,024
11 Hockessin $1,941
12 Pike Creek $1,922
13 Smyrna $1,817
14 Harrington $1,660
15 Highland Acres $1,656
16 Camden $1,655
17 Laurel $1,634
18 Dover $1,609
19 Seaford $1,606
20 Milford $1,601
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Annual rates are estimated as the specific Delaware residence address can affect rates considerably.

Deciding which companies offer the best car insurance rates for active military calls for a bit more effort in order to find the best policy. Every auto insurer uses their own calculation for determining prices, so we’ll go over the car insurance companies with the overall cheapest rates in Delaware.

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What’s the cheapest car insurance in Delaware?
Rank Company Cost Per Year
1 USAA $874
2 Travelers $1,052
3 Nationwide $1,280
4 California Casualty $1,293
5 Atlantic States $1,331
6 Titan $1,344
7 Donegal Mutual $1,513
8 National Grange Mutual $1,533
9 GEICO $1,548
10 MetLife $1,693
11 Progressive $1,817
12 State Farm $1,946
13 Encompass $1,989
14 Allstate $2,806
15 Sentry $3,735
16 Liberty Mutual $6,216
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USAA may have some of the lowest car insurance rates in Delaware at around $874 a year. Travelers, Nationwide, California Casualty, and Atlantic States also qualify as some of the cheaper Delaware auto insurance companies.

As the rates illustrate above, if you are insured with Nationwide and switched to USAA, you might achieve annual savings of roughly $406. Delaware drivers with California Casualty may save as much as $419 a year, and Atlantic States customers might reduce prices by as much as $457 a year.

Be aware that those premiums are averaged across all ages of drivers and types of vehicles and and are not figured with a rate discount for active military. So the car insurance company that can offer you the best rate may not even be in the above list. That point stresses why you need to compare as many prices as possible using your own driver data and vehicle information.

The diagram below illustrates how your deductible choice can raise or lower insurance premiums when trying to find cheap insurance for active military. The costs are based on a married male driver, full physical damage coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3435,3139,2807,2495],[‘Age 30’, 1803,1645,1463,1285],[‘Age 40’, 1733,1589,1421,1259],[‘Age 50’, 1583,1453,1301,1159],[‘Age 60’, 1553,1423,1275,1133],[‘Age 70’, 1783,1643,1485,1337]]);var options = {title: ‘Impact of Deductible Levels on Insurance Rates in Delaware’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 30-year-old driver could cut expenses by $312 a year by increasing from a $100 deductible to a $500 deductible, or save $474 by changing to a $1,000 deductible. Even younger insureds, like the age 20 example, have the ability to save up to $940 or more by selecting a higher deductible.

When using a larger deductible, it is essential to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.

Ending up with a good quality insurer can be difficult considering how many different companies there are to choose from in Delaware. The ranking data shown below may help you select which car insurance providers you want to consider when trying to find cheaper insurance for active military.

The ratings below include companies with a national presence, so smaller companies will not be included in the list. To compare prices from these and other top-rated companies, just click here.

Top 15 Car Insurance Companies for Active Military
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
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Data Source: Insure.com Best Car Insurance Companies