Best Bear, DE Car Insurance in 2025
Car insurance in Bear, DE averages $594 a month. Bear, Delaware car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Bear car insurance rates, compare quotes from the top car insurance companies in Bear, DE.
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Table of Contents
Table of Contents
Managing Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...
Laura Kuhl
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Updated January 2025
- Average car insurance rates in Bear, DE after a DUI are $9,388/year
- The cheapest ZIP code in Bear is 19701
- The cheapest car insurance company in Bear is USAA
If you need to buy Bear, Delaware car insurance, the options can be confusing. Everything you need to know about car insurance in Bear, DE is right here.
You’ll find Bear car insurance rates, the cheapest Bear, DE car insurance companies, and information on Delaware car insurance laws. You can also compare Bear, Delaware car insurance rates to Camden car insurance rates, Milford car insurance rates, and Seaford car insurance rates.
Ready to find affordable Bear, DE car insurance today? Enter your ZIP code for fast, free Bear car insurance quotes.
Cheapest Bear, DE Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Bear, DE car insurance rates? Every Bear, Delaware car insurance company weighs these factors differently, so check out the comparison rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Bear, Delaware
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,283 | $4,179 | $3,760 | $3,955 | $15,518 | $18,045 | $4,460 | $4,697 |
| Geico | $3,036 | $3,363 | $2,962 | $3,455 | $7,230 | $7,469 | $3,175 | $3,025 |
| Liberty Mutual | $14,763 | $14,763 | $14,584 | $14,584 | $32,897 | $49,856 | $14,763 | $20,474 |
| Nationwide | $3,861 | $3,824 | $3,519 | $3,500 | $9,220 | $11,691 | $4,281 | $4,568 |
| Progressive | $2,319 | $2,139 | $2,039 | $2,077 | $12,007 | $13,309 | $2,845 | $2,768 |
| State Farm | $3,693 | $3,693 | $3,422 | $3,422 | $10,625 | $13,708 | $4,148 | $4,307 |
| Travelers | $1,600 | $1,606 | $1,580 | $1,541 | $9,339 | $14,455 | $1,702 | $1,829 |
| USAA | $1,540 | $1,514 | $1,427 | $1,422 | $5,807 | $6,816 | $1,943 | $2,138 |
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Minimum Car Insurance in Bear, DE
Every driver must carry the minimum car insurance required by the state in Bear, DE. Take a look at the Delaware car insurance requirements.
Minimum Required Car Insurance Coverage in Bear, Delaware
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Bear, DE Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Bear, DE. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Bear from top companies for good, fair, and poor credit.
Annual Car Insurance Rates by Credit Score in Bear, Delaware
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,465 | $6,692 | $5,930 |
| Geico | $6,543 | $3,622 | $2,477 |
| Liberty Mutual | $29,921 | $20,128 | $16,208 |
| Nationwide | $6,471 | $5,347 | $4,855 |
| Progressive | $5,513 | $4,833 | $4,467 |
| State Farm | $8,993 | $4,958 | $3,680 |
| Travelers | $4,675 | $3,889 | $4,055 |
| USAA | $4,651 | $2,230 | $1,597 |
Cheapest Bear, DE Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Bear, DE to rates for a clean record with top companies.
Annual Bear, Delaware Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $6,215 | $7,475 | $8,699 | $7,060 |
| Geico | $3,232 | $4,474 | $5,474 | $3,677 |
| Liberty Mutual | $17,681 | $20,320 | $32,228 | $18,114 |
| Nationwide | $4,425 | $4,425 | $8,146 | $5,236 |
| Progressive | $4,242 | $5,657 | $4,840 | $5,012 |
| State Farm | $5,321 | $6,434 | $5,877 | $5,877 |
| Travelers | $3,602 | $3,612 | $5,837 | $3,775 |
| USAA | $2,321 | $2,321 | $4,004 | $2,657 |
Cheapest Bear, DE Car Insurance for Teen Drivers
Teen car insurance in Bear, DE can be expensive. Take a look at rates from the top car insurance companies in Bear for teenagers.
Annual Car Insurance Rates for Teen Drivers in Bear, Delaware
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $15,518 | $18,045 |
| Geico | $7,230 | $7,469 |
| Liberty Mutual | $32,897 | $49,856 |
| Nationwide | $9,220 | $11,691 |
| Progressive | $12,007 | $13,309 |
| State Farm | $10,625 | $13,708 |
| Travelers | $9,339 | $14,455 |
| USAA | $5,807 | $6,816 |
Cheapest Bear, DE Car Insurance for Seniors
Take a look at Bear, DE rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
Annual Car Insurance Rates for Senior Drivers in Bear, Delaware
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,760 | $3,955 |
| Geico | $2,962 | $3,455 |
| Liberty Mutual | $14,584 | $14,584 |
| Nationwide | $3,519 | $3,500 |
| Progressive | $2,039 | $2,077 |
| State Farm | $3,422 | $3,422 |
| Travelers | $1,580 | $1,541 |
| USAA | $1,427 | $1,422 |
Cheapest Bear, DE Car Insurance Rates After a DUI
A DUI in Bear, DE increases car insurance rates. Compare Bear, Delaware car insurance after a DUI by the company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Bear, Delaware
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $8,699 |
| Geico | $5,474 |
| Liberty Mutual | $32,228 |
| Nationwide | $8,146 |
| Progressive | $4,840 |
| State Farm | $5,877 |
| Travelers | $5,837 |
| USAA | $4,004 |
Read More: Compare Best Car Insurance Companies That Accept DUI
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Cheapest Bear, DE Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Bear, DE by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Bear, Delaware
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $7,362 | $7,362 |
| Geico | $4,148 | $4,281 |
| Liberty Mutual | $21,473 | $22,698 |
| Nationwide | $5,558 | $5,558 |
| Progressive | $4,938 | $4,938 |
| State Farm | $5,675 | $6,079 |
| Travelers | $4,207 | $4,207 |
| USAA | $2,796 | $2,856 |
Cheapest Bear, DE Car Insurance Rates by ZIP Code
Bear car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Bear, DE.
Annual Car Insurance Rates by ZIP Code in Bear, Delaware
| ZIP Code | Average Annual Rates |
|---|---|
| 19701 | $6,950 |
| 19702 | $7,072 |
| 19720 | $7,379 |
The Best Cheap Car Insurance Companies in Bear, DE
Take a look at a side-by-side comparison of the top car insurance companies in Bear, DE to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Bear, Delaware
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,362 |
| Geico | $4,214 |
| Liberty Mutual | $22,086 |
| Nationwide | $5,558 |
| Progressive | $4,938 |
| State Farm | $5,877 |
| Travelers | $4,207 |
| USAA | $2,826 |
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Category Winners: Cheapest Car Insurance in Bear, Delaware
Find the cheapest car insurance companies in Bear, DE for each category right here.
Best Annual Car Insurance Rates by Company in Bear, Delaware
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Bear, DE Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Bear car insurance rates. Find the cheapest Bear, DE car insurance rates by coverage level.
Annual Car Insurance Rates by Coverage Level in Bear, Delaware
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,664 | $7,459 | $7,964 |
| Geico | $3,735 | $4,275 | $4,633 |
| Liberty Mutual | $21,007 | $21,821 | $23,429 |
| Nationwide | $5,512 | $5,464 | $5,698 |
| Progressive | $4,273 | $4,997 | $5,543 |
| State Farm | $5,455 | $5,892 | $6,284 |
| Travelers | $3,893 | $4,331 | $4,397 |
| USAA | $2,645 | $2,823 | $3,009 |
What affects car insurance rates in Bear, Delaware?
What are the factors that affect car insurance rates in Bear, DE? There are several reasons why Bear car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bear, Delaware.
Commute Time in Bear
The more time you spend in your car the higher the risk of an accident. The average commute length in Bear, DE is 28.5 minutes according to City-Data.
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Compare Car Insurance Quotes in Bear, DE
Ready to find affordable Bear, Delaware car insurance today? Enter your ZIP code for fast, free Bear, DE car insurance quotes.
Frequently Asked Questions
How are car insurance rates determined in Bear, DE?
Car insurance rates in Bear, DE are determined by various factors, including your driving history, age, gender, type of vehicle, coverage options, deductibles, and the insurance company’s own calculations. Each insurance company may weigh these factors differently, so rates can vary.
What are the pros of comparing car insurance rates in Bear, DE?
- Cost savings: By comparing rates, you can find insurance providers offering competitive prices, potentially saving you money on your premiums.
- Coverage options: Comparing rates allows you to explore different coverage options and add-ons, ensuring you get the policy that best suits your needs.
- Customer service: By researching different insurance companies, you can assess their customer service reputation, helping you choose a provider known for excellent support.
Are there any cons to comparing car insurance rates in Bear, DE?
- Time-consuming: Researching and comparing rates from multiple insurance companies can be time-consuming, especially if you want to make an informed decision.
- Potential information overload: With numerous insurance companies and policies available, it can be overwhelming to sift through all the information and make a choice.
- Not solely price-focused: While cost is an essential factor, it’s also crucial to consider coverage quality, customer reviews, and other factors when comparing rates.
How can I compare car insurance rates in Bear, DE?
To compare car insurance rates in Bear, DE, you can follow these steps:
- Collect relevant information: Gather details about your driving history, the type of vehicle you want to insure, and your coverage preferences.
- Research insurance companies: Look for reputable insurance providers in Bear, DE, and gather information about their offerings, customer reviews, and financial stability.
- Request quotes: Contact insurance companies directly or use online comparison tools to request quotes based on the information you collected.
- Compare rates and coverage: Review the quotes received, paying attention to the premium costs, coverage limits, deductibles, and any additional features or discounts.
- Consider other factors: Evaluate each insurer’s reputation, customer service, and any specific requirements or exclusions that may affect your decision.
- Make an informed decision: Select the car insurance policy that provides the best value and coverage for your needs.
Are there any specific considerations for Bear, DE when comparing car insurance rates?
When comparing car insurance rates in Bear, DE, it’s helpful to consider factors such as local driving conditions, weather patterns, crime rates, and state-specific insurance requirements. Additionally, knowing the average rates in Bear, DE can give you a baseline for comparison.
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