Cheap Auto Insurance Quotes in Bear, DE (January 2022)

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Last Updated: January 2022

Car Insurance in Bear, DE

The average cost of Delaware car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Bear, DE to find you the cheapest quotes in the area.
$165
$185
$237
$244
$260
AllstateState FarmAmerican FamilyTravelersThe General

Cheapest Car Insurance in Bear, DE

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$241
$282
$217
$231
$244
$232
DelawareWilmingtonDoverNewarkMiddletownBear
Click here to learn about car insurance quotes and save on your current policy.

Bear, DE Driving Facts

delaware

Minimum Car Insurance Requirements in DE

The state of Delaware requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Delaware are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Delaware state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in Delaware are:

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Delaware requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

The minimum personal injury protection (PIP) insurance requirements in Delaware are:

  • $15,000 personal injury protection (PIP) per person
  • $30,000 personal injury protection (PIP) per accident

Delaware is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. Delaware PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The minimum coverage limits Delaware state law requires is $15,000 for a single person expense and $30,000 for the expenses of multiple persons.

Find local Bear agents

Affordable Insurance Network of Delaware
1218 Pulaski Hwy #490, Bear, DE 19701-4300
Sheets Insurance Agency - Personal & Dependable Service
254 Fox Hunt Dr, Bear, DE 19701
Joseph Devane: Allstate Insurance
16 Fox Hunt Dr, Bear, DE 19701
Rob Mullen - State Farm Insurance Agent
887 Pulaski Hwy, Bear, DE 19701
Amanda Dixon - State Farm Insurance Agent
1711 Pulaski Hwy, Bear, DE 19702
A & G Low Cost Auto Insurance
1218 Pulaski Hwy, Bear, DE 19701
Senior Life Insurance Co
1219 Donna Marie Way, Bear, DE 19701
James Mwangi: Allstate Insurance
1675 Pulaski Hwy, Bear, DE 19701
Insurance You Keep
429 Leo Ln, Bear, DE 19701
Brian Dawson - State Farm Insurance Agent
2500 Wrangle Hill Rd #125, Bear, DE 19701

Insurify Insights: How Bear Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Bear, DE
suspended licenses
#8
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Bear drivers measure up to their fellow Delaware motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Bear

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Bear drivers rank 1 in the number of car accidents per driver across all cities in Delaware.

  • Rank within state: #1
  • Percent of drivers in Bear with an accident: 15.83%
  • Drivers in Bear, DE with an accident in their driving history paid on average 35.06% more than drivers with a clean record

Speeding in Bear

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Delaware, Bear drivers rank 1 in the number of speeding infractions per driver.

  • Rank within state: #1
  • Percent of drivers in Bear with a speeding ticket: 15.44%
  • Drivers in Bear, DE with a speeding ticket in their driving history paid on average 4.06% more than drivers with a clean record

DUI/DWIs in Bear

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bear drivers rank 1 in the number of DUI’s per driver across all cities in Delaware.

  • Rank within state: #1
  • Percent of drivers in Bear with a DUI: 1.93%
  • Drivers in Bear, DE with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Bear

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bear is the Nissan Altima.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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