Cheap Car Insurance Quotes for Homeowners in Delaware

When writing about shopping for car insurance, the word cheap should not appear anywhere in the article as a descriptor for car insurance rates. Please forgive the oxymoron, but cheap auto insurance for homeowners does not exist. Don’t let that ruin your day, because we can show you some ways you can get auto insurance that is considered budget-friendly.

Everyone has different tastes in autos, and the style of vehicle you are trying to insure is a large factor when comparing quotes for cheap auto insurance for homeowners in Delaware. Vehicles with higher performance, poor passenger safety features, or a track record of large liability claims will cost significantly more to insure than safer, lower-performance models. The tables below illustrates car insurance premiums for the cheaper vehicles to buy coverage for.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in vehicle garaging location which can revise coverage prices greatly.

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in vehicle location which can revise coverage rates significantly.

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price estimates do not factor in vehicle garaging location which can affect coverage rates substantially.

Determining which company has the cheapest auto insurance rates for homeowners will require more work in order to find the best policy. Each insurer uses a slightly different approach to determine rates, so let’s take a look at the most budget-friendly auto insurance companies in Delaware.

It’s important that you understand Delaware auto insurance rates are calculated based on many things that will increase or decrease the policy price. Improving your credit rating, buying another vehicle, or getting into an accident can trigger changes in premium that can cause some rates to be much cheaper than others.

Best Insurance Companies for Homeowners

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USAA normally has some of the cheapest car insurance rates in Delaware at around $874 annually. Travelers, Nationwide, California Casualty, and Atlantic States would also make the list of some of the more affordable Delaware insurance companies.

As the example above demonstrates, if you are currently insured with California Casualty and switched to USAA, you might realize annual savings of about $419. Delaware drivers with Atlantic States may save as much as $457 a year, and Titan customers might realize rate reductions of up to $470 a year.

To get a quick, customized rate comparison, click here to start your custom quote or click through to the companies below.

Be aware that those estimates are averaged across all types of insureds and vehicles and do not factor in a rate decrease for homeowners. So the insurer that is best for you may not even be shown in the above rate chart. That points out the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.

One of the many components that play a part in determining the annual cost of car insurance is where your car is garaged. Areas with more people like Wilmington, Wilmington Manor, and Brookside tend to have more expensive auto insurance rates, whereas more rural areas receive better rates.

The following table shows the most costly cities in Delaware for homeowners to purchase car insurance in.

Rate information is approximated as specific Delaware zip code can increase or decrease rates substantially.

Types of discounts on Delaware auto insurance

Auto insurance companies that offer cheap auto insurance for homeowners in Delaware may also give you policy discounts that could reduce prices by as much as 25% or more if you can meet the requirements. A few of the larger companies and a selection of discounts can be found below.

The information below shows the comparison of insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or violations, Delaware state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with accident-free, passive restraint, claim-free, defensive driving course, multiple vehicle, and marriage discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for homeowners is 16% or $265.

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