Buy Cheap Elsmere, DE Auto Insurance (2021)

Elsmere, DE auto insurance rates average $662 a month. Minimum auto insurance requirements in Elsmere, Delaware are 25/50/10 to comply with Delaware laws. To buy cheap auto insurance in Elsmere, DE, compare Elsmere auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Elsmere, DE are $662/month
  • The most expensive auto insurance company in Elsmere is Liberty Mutual
  • The most expensive auto insurance company in Elsmere after a DUI is Liberty Mutual

Finding affordable Elsmere, Delaware auto insurance can be challenging, but everything you need to know to buy cheap Elsmere, DE auto insurance with confidence is right here. Auto insurance rates in Elsmere are affected by local factors as well as personal ones like your driving record.

See how Elsmere, DE car insurance rates compare to Newark auto insurance rates, Dover auto insurance rates, and Camden auto insurance rates before you read more about the cost of auto insurance in Elsmere.

Don’t buy Elsmere, DE auto insurance until you’ve compared rates. Get free Elsmere, Delaware auto insurance quotes when you enter your ZIP code above.

Elsmere, DE Minimum Auto Insurance Requirements

The required auto insurance in Elsmere, DE is 25/50/10 according to the auto insurance laws in Delaware. The minimum auto insurance in Elsmere, Delaware is outlined here.

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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Find Cheap Elsmere, DE Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Elsmere, DE. Take a look at Elsmere, Delaware auto insurance rates by credit history.

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

Buy Cheap Elsmere, DE Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Elsmere, Delaware auto insurance rates? Find out how car insurance rates in Elsmere, DE are impacted by demographics.

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

Buy Cheap Elsmere, DE Auto Insurance for Teen Drivers

Auto insurance for teenagers in Elsmere can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Elsmere, DE are listed here.

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

Buy Cheap Elsmere, DE Auto Insurance for Seniors

You can save on senior auto insurance rates in Elsmere, Delaware by comparing Elsmere senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Elsmere, DE here.

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

Find Cheap Auto Insurance Rates in Elsmere, DE by Coverage Level

The amount of coverage you choose is a big factor in the cost of Elsmere, Delaware auto insurance. Compare Elsmere, DE 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

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Find Cheap Elsmere, DE Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Elsmere. Compare auto insurance rates in Elsmere, DE by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Elsmere, DE Auto Insurance Rates by Driving Record

Auto insurance rates in Elsmere, Delaware are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Elsmere, DE, take a look at the average cost for various violations versus rates for a clean driving record in Elsmere.

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

Find Cheap Elsmere, DE Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Elsmere, Delaware is higher than for a clean driving record. You can buy auto insurance after a DUI in Elsmere for less when you shop around and compare rates from multiple Elsmere, DE auto insurance companies.

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

Winners by Category: Where to Buy Cheap Auto Insurance in Elsmere, DE

Compare rates from the cheapest auto insurance companies in Elsmere, DE for your needs. Take a look at how Elsmere, Delaware auto insurance companies stack up for each category.

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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Find Cheap Elsmere, Delaware Auto Insurance Companies

If you’re looking for the cheapest Elsmere, DE auto insurance companies overall, you can compare them here. Find the best price for Elsmere, Delaware car insurance by company.

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 Elsmere, Delaware auto insurance rates?

Local factors affect auto insurance rates in Elsmere, DE, including traffic, theft statistics, and commute length. Take a look at the things that impact Elsmere auto insurance rates.

Commute Times in Elsmere

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elsmere, DE is 25.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Elsmere, DE

You can buy cheap Elsmere, DE auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Elsmere, Delaware auto insurance quotes from top companies.

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