Compare Elsmere, DE Car Insurance Rates (2021)

Car insurance in Elsmere, DE averages $662 a month. Elsmere, Delaware car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Elsmere car insurance rates, compare quotes from the top car insurance companies in Elsmere, DE.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Elsmere is USAA
  • Average car insurance rates in Elsmere, DE after a DUI are $10,516/year
  • The cheapest car insurance company in Elsmere for teen drivers is USAA

If you need to buy Elsmere, Delaware car insurance, the options can be confusing. Everything you need to know about car insurance in Elsmere, DE is right here.

You’ll find Elsmere car insurance rates, the cheapest Elsmere, DE car insurance companies, and information on Delaware car insurance laws. You can also compare Elsmere, Delaware car insurance rates to Elsmere car insurance rates, Newark car insurance rates, and Camden car insurance rates.

Ready to find affordable Elsmere, DE car insurance today? Enter your ZIP code for fast, free Elsmere car insurance quotes.

Cheapest Elsmere, DE Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Elsmere, DE car insurance rates? Every Elsmere, 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 Elsmere, 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 $4,326 $4,242 $3,798 $4,005 $15,793 $18,452 $4,539 $4,807
GEICO $3,745 $4,115 $3,638 $4,179 $8,577 $8,748 $3,905 $3,679
Liberty Mutual $17,387 $17,387 $17,175 $17,175 $38,842 $58,904 $17,387 $24,144
Nationwide $3,859 $3,827 $3,515 $3,499 $9,264 $11,753 $4,285 $4,581
Progressive $2,475 $2,283 $2,172 $2,215 $12,822 $14,204 $3,040 $2,959
State Farm $3,269 $3,269 $3,028 $3,028 $9,338 $12,044 $3,668 $3,812
Travelers $2,250 $2,261 $2,218 $2,163 $13,576 $21,010 $2,410 $2,623
USAA $1,529 $1,502 $1,416 $1,411 $5,770 $6,775 $1,928 $2,120

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Minimum Car Insurance in Elsmere, DE

Every driver must carry the minimum car insurance in Elsmere, DE. Take a look at the Delaware car insurance requirements.

Minimum Required Car Insurance Coverage in Elsmere, 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 Elsmere, DE Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Elsmere, DE. Compare credit history car insurance rates in Elsmere from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Elsmere, Delaware

Insurance Company Poor Fair Good
Allstate $9,639 $6,813 $6,033
GEICO $7,888 $4,358 $2,974
Liberty Mutual $35,311 $23,735 $19,105
Nationwide $6,480 $5,364 $4,875
Progressive $5,886 $5,159 $4,768
State Farm $7,911 $4,377 $3,258
Travelers $6,758 $5,578 $5,855
USAA $4,602 $2,220 $1,596

Cheapest Elsmere, DE Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Elsmere, DE to rates for a clean record with top companies.

Annual Elsmere, Delaware Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,320 $7,595 $8,877 $7,189
GEICO $3,911 $5,403 $6,496 $4,484
Liberty Mutual $20,976 $24,024 $37,712 $21,489
Nationwide $4,434 $4,434 $8,174 $5,249
Progressive $4,526 $6,037 $5,168 $5,353
State Farm $4,695 $5,669 $5,182 $5,182
Travelers $5,146 $5,161 $8,542 $5,406
USAA $2,306 $2,306 $3,975 $2,639

Cheapest Elsmere, DE Car Insurance for Teen Drivers

Teen car insurance in Elsmere, DE can be expensive. Take a look at rates from the top car insurance companies in Elsmere for teenagers.

Annual Car Insurance Rates for Teen Drivers in Elsmere, Delaware

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,793 $18,452
GEICO $8,577 $8,748
Liberty Mutual $38,842 $58,904
Nationwide $9,264 $11,753
Progressive $12,822 $14,204
State Farm $9,338 $12,044
Travelers $13,576 $21,010
USAA $5,770 $6,775

Cheapest Elsmere, DE Car Insurance for Seniors

Take a look at Elsmere, DE senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Elsmere, Delaware

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,798 $4,005
GEICO $3,638 $4,179
Liberty Mutual $17,175 $17,175
Nationwide $3,515 $3,499
Progressive $2,172 $2,215
State Farm $3,028 $3,028
Travelers $2,218 $2,163
USAA $1,416 $1,411

Cheapest Elsmere, DE Car Insurance Rates After a DUI

A DUI in Elsmere, DE increases car insurance rates. Compare Elsmere, Delaware DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Elsmere, Delaware

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,877
GEICO $6,496
Liberty Mutual $37,712
Nationwide $8,174
Progressive $5,168
State Farm $5,182
Travelers $8,542
USAA $3,975

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Cheapest Elsmere, DE Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Elsmere, DE by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Elsmere, Delaware

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,495 $7,495
GEICO $4,997 $5,149
Liberty Mutual $25,325 $26,775
Nationwide $5,573 $5,573
Progressive $5,271 $5,271
State Farm $5,006 $5,358
Travelers $6,064 $6,064
USAA $2,777 $2,836

The Best Cheap Car Insurance Companies in Elsmere, DE

Take a look at a side-by-side comparison of the top car insurance companies in Elsmere, DE to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Elsmere, Delaware

Insurance Company Average Annual Rates
Allstate $7,495
GEICO $5,073
Liberty Mutual $26,050
Nationwide $5,573
Progressive $5,271
State Farm $5,182
Travelers $6,064
USAA $2,806

Category Winners: Cheapest Car Insurance in Elsmere, Delaware

Find the cheapest car insurance companies in Elsmere, DE for each category right here.

Best Annual Car Insurance Rates by Company in Elsmere, Delaware

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Elsmere, DE Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Elsmere car insurance rates. Find the cheapest Elsmere, DE car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Elsmere, Delaware

Insurance Company Low Medium High
Allstate $6,808 $7,590 $8,088
GEICO $4,522 $5,131 $5,567
Liberty Mutual $24,766 $25,746 $27,639
Nationwide $5,525 $5,478 $5,716
Progressive $4,596 $5,334 $5,883
State Farm $4,812 $5,191 $5,543
Travelers $5,692 $6,266 $6,233
USAA $2,626 $2,804 $2,989

What affects car insurance rates in Elsmere, Delaware?

What factors can have an impact on Elsmere, DE car insurance? There are several reasons why Elsmere car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Elsmere, Delaware.

Commute Time in Elsmere

The more time you spend in your car the higher the risk of an accident. The average commute length in Elsmere, DE is 25.0 minutes according to City-Data.

Compare Car Insurance Quotes in Elsmere, DE

Ready to find affordable Elsmere, Delaware car insurance today? Enter your ZIP code for fast, free Elsmere, DE car insurance quotes.

Free Car Insurance Comparison

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