You have most likely watched the captivating ads from insurers like The General and Liberty Mutual that make promises of dirt cheap rates, so you just need to pick one randomly, right?
Unfortunately, it’s not that simple as there are a whole slew of unknowns like the amount of driving experience you have, which neighborhood you live in, and if your vehicle is used to commute, that all influence how much you pay for auto insurance. This article covers these topics and will hopefully give the reader a good start to your coverage search.
When shopping for car insurance for foreigners, one of the many factors that helps car insurance companies calculate the amount you pay for auto insurance is where you normally keep your vehicle. Cities with larger populations or higher claims like Wilmington, Brookside, and Edgemoor will most likely pay more, whereas areas with less congestion can boast about having cheaper rates.
The table below ranks the priciest cities in Delaware for immigrants to purchase auto insurance in.
Rank | City | Average Per Year |
---|---|---|
1 | Wilmington | $2,269 |
2 | Wilmington Manor | $2,235 |
3 | Brookside | $2,186 |
4 | New Castle | $2,184 |
5 | Edgemoor | $2,098 |
6 | Middletown | $2,090 |
7 | Bear | $2,082 |
8 | Newark | $2,024 |
9 | Claymont | $1,987 |
10 | Elsmere | $1,968 |
11 | Pike Creek | $1,960 |
12 | Hockessin | $1,922 |
13 | Smyrna | $1,763 |
14 | Highland Acres | $1,673 |
15 | Seaford | $1,672 |
16 | Camden | $1,672 |
17 | Milford | $1,667 |
18 | Dover | $1,609 |
19 | Laurel | $1,602 |
20 | Harrington | $1,594 |
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Annual rates are comparative as the vehicle garaging location can influence rates substantially.
Buying low-priced car insurance is easier said than done, and determining which insurers offer the best insurance rates for immigrants will require even more perseverance.
Each insurer uses their own calculation for filing rates in each state, so let’s take a look at the insurance companies with the most affordable rates in Delaware. It’s a good idea to know that Delaware insurance rates are calculated based on many things which can significantly increase or decrease the policy price. Simply having another birthday, having a teen driver, or getting a few speeding tickets can produce rate changes that can now make some companies much higher than others.
Find the Best Cheap Insurance for Migrants
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USAA quotes some of the best car insurance rates in Delaware at around $840 per year. Travelers, Nationwide, Atlantic States, and Titan also are some of the best Delaware auto insurance companies.
In this example, if you currently buy coverage from Nationwide and switched to USAA, you could see a yearly savings of upwards of $452. Customers with Atlantic States might save as much as $478 a year, and Titan policyholders might realize rate reductions of up to $491 a year.
If you want to find out if you’re overpaying, click here to get a free quote or quote prices from the following companies.
Be aware that those premiums are averaged for all types of insureds and vehicles and and are not calculated with a price decrease for immigrants. So the company that can offer the best rates for your situation may not even be included in the above rate chart. That illustrates why you need to get car insurance quotes using your own specific driver and vehicle information.
The vehicle model requiring insurance is one of the biggest factors when looking for cheap car insurance for immigrants in Delaware. Vehicles with lots of speed or power, poor safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models. The list below presents car insurance rates for some of the cheaper vehicles to buy insurance for.
Make, Model, and Trim Level | Estimated Cost for Full Coverage |
---|---|
Honda Accord EX 4-Dr Sedan | $1,162 |
Chevrolet Traverse LT 2WD | $1,213 |
Ford Escape XLS 2WD | $1,266 |
Ford F-150 XL Regular Cab 4WD | $1,300 |
Honda CR-V LX 2WD | $1,308 |
Chevrolet Equinox LT AWD | $1,373 |
Volkswagen Jetta LE 4-Dr Sedan | $1,378 |
Hyundai Santa Fe SE 2WD | $1,373 |
Subaru Outback 3.6R | $1,400 |
Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,409 |
Toyota Prius | $1,407 |
Hyundai Elantra SE Touring Station Wagon | $1,414 |
Ford Focus SES 4-Dr Sedan | $1,422 |
Chevrolet Impala LTZ | $1,446 |
Toyota Camry XLE | $1,454 |
Ford Explorer XLT 4WD | $1,473 |
Kia Forte LX 4-Dr Sedan | $1,478 |
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price information does not factor in Delaware location which can change coverage rates greatly.
Based on these rates, you can expect makes and models like the Honda Accord, Chevrolet Traverse, Ford Escape, and Ford F-150 should be some of the most affordable vehicles to insure for foreigners.
When comparing car insurance for foreigners in Delaware, four companies to consider are Allstate, Geico, Progressive, and State Farm. All of them have a different combination of discounts, features, and options that shoppers can select from. The next table ranks some of the ratings and options that are available for policyholders.
Allstate | Geico | Progressive | State Farm | |
---|---|---|---|---|
Overall Satisfaction | 2nd | 1st | 3rd | 4th |
Overall Cost | 4th | 1st | 3rd | 2nd |
Number of Discounts | 1st | 2nd | 4th | 3rd |
Claims Service | 1st | 3rd | 4th | 2nd |
Percent of customers who recommend | 86% | 87% | 88% | 88% |
Breakdown insurance | No | Yes | Yes | No |
Accident forgiveness | Yes | Yes | Yes | No |
Emergency roadside assistance | Yes | Yes | Yes | Yes |
Coverage for Uber and Lyft drivers | Yes | Yes | Yes | Yes |
Usage-based insurance | Yes | No | Yes | Yes |
New car replacement insurance | Yes | No | No | No |
Insurance Agents | Only buy from Allstate agents | Both online and from Geico agents | Buy online or from an independent agent | State Farm-only agents |
Number of agents | 11,000+ | 150+ | 30,000+ | 18,000+ |
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