Best Cheap Auto Insurance in Elsmere, DE (2021)

The average Elsmere, DE auto insurance rates are $662 per month. The minimum auto insurance in Elsmere is at least 25/50/10 in coverage to comply with Delaware auto insurance laws. To find the best cheap auto insurance in Elsmere, Delaware, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Elsmere for teen drivers is Liberty Mutual
  • The average commute length in Elsmere is 25.0 minutes
  • The cheapest auto insurance company in Elsmere is USAA

Elsmere, Delaware auto insurance requirements are 25/50/10 according to Delaware auto insurance laws. Finding cheap auto insurance in Elsmere can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Elsmere, Delaware, including driving record, credit, commute time, and more.

Compare auto insurance in Elsmere to other Delaware cities, including George auto insurance rates, Middle auto insurance rates, and Seaford auto insurance rates to see how Elsmere, Delaware auto insurance rates stack up.

Before you buy Elsmere, Delaware auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Elsmere, Delaware auto insurance quotes.

Minimum Auto Insurance in Elsmere, Delaware

Elsmere, Delaware auto insurance laws require that you have at least the Delaware minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Elsmere, Delaware.

Minimum Required Auto 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

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Cheap Elsmere, Delaware Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Elsmere, Delaware are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Elsmere, Delaware Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Elsmere, Delaware is a challenge. Take a look at the annual teen auto insurance rates in Elsmere, Delaware.

Annual Auto 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

Cheap Elsmere, Delaware Auto Insurance for Seniors

What are senior auto insurance rates in Elsmere, Delaware? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Elsmere, Delaware Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Elsmere, Delaware compared to the annual auto insurance rates with a clean record in Elsmere, Delaware.

Annual Elsmere, Delaware Auto 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

Cheap Elsmere, Delaware Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Elsmere, Delaware is not easy. Compare the annual rates for DUI auto insurance in Elsmere, Delaware to find the best deal.

Annual Auto Insurance Rates After a DUI in Elsmere, Delaware

Insurance Company Annual Auto 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

Cheap Elsmere, Delaware Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Elsmere, Delaware annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Elsmere, Delaware Auto Insurance Rates By Commute

Commute length and annual mileage affect Elsmere, Delaware auto insurance. Find the cheapest annual Elsmere, Delaware auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Elsmere, Delaware

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Elsmere, Delaware Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Elsmere, Delaware? Check out the comparison of annual Elsmere, Delaware auto insurance rates by coverage level.

Annual Auto 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

Best By Category: Cheapest Auto Insurance in Elsmere, Delaware

Compare the cheapest auto insurance companies in Elsmere, Delaware in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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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The Cheapest Elsmere, Delaware Auto Insurance Companies

What auto insurance companies in Elsmere, Delaware are the cheapest? Compare the top Elsmere, Delaware auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Elsmere, Delaware?

There are a lot of reasons why auto insurance rates in Elsmere, Delaware are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Elsmere, Delaware. Many local factors may affect your Elsmere auto insurance rates.

Elsmere Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Elsmere, Delaware commute length is 25.0 minutes according to City-Data.

Compare Elsmere, Delaware Auto Insurance Quotes

Before you buy Elsmere, Delaware auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Elsmere, Delaware auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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