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

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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.
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NationwideTravelersAmerican FamilyThe General

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!

Average Car Insurance Cost

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DelawareWilmingtonDoverNewarkBearMiddletown
Click here to learn about car insurance quotes and save on your current policy.

Middletown, 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 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

Insurify Insights: How Middletown Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Middletown, DE
suspended licenses
#4
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 Middletown 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.

Most Popular Vehicle in Middletown

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Middletown is the Honda Accord.

Hybrid/Electric Vehicle Ownership in Middletown

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Middletown drivers rank 1 in hybrid and electric vehicle ownership across all cities in Delaware.

  • Rank within state: #1
  • Percent of drivers in Middletown with a hybrid/electric vehicle: 2.5%

DUI/DWIs in Middletown

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Middletown drivers rank 7 in the number of DUI’s per driver across all cities in Delaware.

  • Rank within state: #7
  • Percent of drivers in Middletown with a DUI: {{percentDrivers}}%
  • Drivers in Middletown, DE with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Middletown

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Delaware, Middletown drivers rank 7 in the number of speeding infractions per driver.

  • Rank within state: #7
  • Percent of drivers in Middletown with a speeding ticket: {{percentDrivers}}%
  • Drivers in Middletown, DE with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record

Green Driving in Middletown, DE

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Delaware offers many green driver incentives, including federal tax credit, rideshare incentives, rebates, and discounts through some car insurance carriers.

Greenes Cities

Middletown

Greenes Cities
% of Hybrids / Electrics
2%

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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