4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Middletown, DE (August 2022)

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Middletown, 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 Middletown, DE to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Middletown is $287 per month, or $3444 annually.
  • Car insurance in Middletown is $22 more than the average cost of car insurance in Delaware.
  • The cheapest car insurance provider in Middletown on average is Travelers, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Nationwide
$217
Travelers
$221
American Family
$232
The General
$305

Cheapest Car Insurance in Middletown, 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!
Insurance Provider in MiddletownQuotes
Nationwide$217 /mo
Travelers$221 /mo
American Family$232 /mo
The General$305 /mo

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Average Car Insurance Cost

Delaware Cities
Wilmington$282/mo
Dover$217/mo
Newark$231/mo
Bear$232/mo
Middletown$244/mo
Delaware$241/mo
Dover
$217
Newark
$231
Bear
$232
Average for DE
$241
Middletown
$244
Wilmington
$282
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Delaware

All motor vehicles operated or parked on Delaware roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Delaware[1] are:

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

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Delaware is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $15,000 per person for PIP
  • $30,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Find local Middletown agents

  • Blue Hen Insurance LLC

    108 Patriot Dr Ste A,
    Middletown, DE 19709
  • Crow Insurance Agency Inc

    106 S Broad Street,
    Middletown, DE 19709
  • PeopleFirst Insurance

    5236 Summit Bridge Rd,
    Middletown, DE 19709
  • Christina McKeown - State Farm Insurance Agent

    102 Sleepy Hollow Dr Ste 103,
    Middletown, DE 19709
  • Nationwide Insurance: Disabatino Financial Services, LLC

    478 Middletown Warwick Rd,
    Middletown, DE 19709
  • Chuck Montgomery - State Farm Insurance Agent

    384 E Main St,
    Middletown, DE 19709
  • Brown & Associates

    Middletown Shopping Ctr,
    Middletown, DE 19709
  • Stefanie Wooten - State Farm Insurance Agent

    14 E Main St,
    Middletown, DE 19709
  • Insurance You Keep

    651 N Broad St Suite 204,
    Middletown, DE 19709
  • Ryan Nichols: Allstate Insurance

    704 Ash Blvd,
    Middletown, DE 19709
View more

FAQs - Middletown, DE Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Tanveen Vohra
Tanveen Vohra
Linkedin

Insurance Content Project Manager

Tanveen Vohra is an insurance content manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Delaware Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022