Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

Full Bio →

Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Yearshttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/autoinsuranceez-live/2020/03/92dadfeb-rachael-brennan.jpg

UPDATED: Aug 14, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Delaware auto insurance lists its minimum liability coverage as 15/30/10. Drivers searching for cheap car insurance in Bear, DE will be able to find affordable premiums. Allstate, State Farm, Liberty Mutual, Nationwide, and National Grange Mutual rank as some of the best Bear, DE car insurance companies. Nationwide leads the way in offering Bear, DE auto insurance at $69/month.

Bear is a quiet suburb located off the DuPont Parkway, just a few miles south of the Delaware Turnpike. The city is conveniently located close to the New Castle Airport and two other major cities, Wilmington and Newark. Legend has it that the name of the town came from a famous bar that many travelers used to pass on their way south to Dover. The bar had a memorable sign hanging outside in the shape of a bear.

Fun fact: Did you know that Bear is #10 on the list of “Top 101 cities with the largest percentage of females working in industry: Finance and insurance (population 5,000+)”?  

Are you looking for cheap auto insurance in Bear, DE? At AutoInsuranceEZ.com, you’ll find the cheapest insurance rates where you live. To get free Bear, DE auto insurance quotes from the best providers today, provide your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Delaware

Driving around in Delaware legally will require at least the minimum requirements stated below:

CoverageRequirementsMost Common
Bodily Injury Liability15,000/30,000100,000/300,000
Property Damage Liability10,00050,000
Uninsured Motorist Bodily InjuryNot required100,000/300,000
Personal Injury Protection15,000/30,00015,000/30,000
CollisionNot required500 deductible
ComprehensiveNot required0 deductible

Unfamiliar with Personal Injury Protection? It’s a type of coverage which guarantees that your medical expenses will be paid for (up to a specific amount) in the event you are injured in a “no-fault” accident. Delaware, unlike most states, requires this particular form of coverage to be purchased in addition to Liability before you can legally drive.

Typical Delaware motorists can expect to pay around $132 per month for the average automotive policy. However, Bear residents can get it a little cheaper – somewhere around $99/mo* or less – if they know how to navigate the complicated waters of Automotive insurance shopping.

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

 Secured with SHA-256 Encryption

Affordable Car Insurance Bear, Delaware

Average Monthly Auto Insurance Premiums Legend: Bear Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 15 30 45 60 75 90 105 120 135 150 165 $100 $82 $175 $69 $70

Nationwide, State Farm, and National Grange Mutual are offering some pretty competitive Bear, DE auto insurance rates right now. But is that all they’re offering? Are they also offering excellent customer service? Or an easy to navigate claims service? Low rates aren’t everything. Make sure and do a little research before you settle with just any company.

Bear auto insurance providers contemplate various variables when calculating insurance quotes, including driving violations, accident claims, credit score/rating, education, and business use of the vehicle. Additionally, affordable Bear, DE auto insurance changes from company to company.

Major Factors in Cheap Car Insurance in Bear, Delaware

Bear, DE auto insurance companies take numerous elements into account when creating an auto insurance policy. Unfortunately, a number of these factors are difficult or impossible to change, such as your gender or where you live. Other factors your car insurance company may consider include:

  • Your ZIP Code

Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars means a smaller chance that you will get into a collision with another vehicle. The population of Bear is 19,371 and the median household income is $60,008.

Auto Insurance by ZIP Code Legend: Bear Dover Newark Pike Creek Wilmington Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 20 40 60 80 100 120 140 160 180 200 220 $100 $78 $95 $90 $100 $82 $65 $82 $82 $112 $175 $129 $142 $142 $221 $69 $51 $59 $59 $73 $70 $55 $70 $70 $98
  • Automotive Accidents

If your ZIP code has high accident rates, then odds are you will have to face higher insurance premiums than drivers in nearby cities. Per capita, Bear’s fatal accident numbers are pretty high, which partly explains why it costs a little more to insure your vehicle here.

Fatal Accidents in Bear, DE Legend: Bear Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 8 11 3 9 19 1
  • Auto Thefts in Bear

Living in a large city (Especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs. Since Bear is lucky enough to experience very low rates of auto theft and vandalism, this might make you eligible for reduced rates on your car insurance. You could even save money by removing Comprehensive coverage from your policy, as you can see in the chart below.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 25 50 75 100 125 150 175 200 225 250 275 300 325 350 375 $100 $185 $82 $129 $175 $377 $69 $107 $70 $130
  • Your Credit Score

It’s hard to make sure you have a good credit score – regardless, automotive insurance companies still use this metric as a way to determine what to charge you each month for your coverage. And, as you can see, it can make a big difference.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 25 50 75 100 125 150 175 200 225 250 275 $85 $145 $57 $195 $109 $275 $58 $95 $59 $136
  • Your Age

Are you trying to insure a teenage driver? The bad news is: it’s going to be expensive, since young drivers lack experience behind the wheel and will likely get into an accident. However, there are ways to relieve this burden. There are “Good Student” and Driver’s Ed discounts available. If you are a parent, you can bundle your child’s policy with yours in hopes of getting even more savings.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 75 150 225 300 375 450 525 600 675 750 $100 $201 $82 $288 $175 $751 $69 $254 $70 $288
  • Your Driving Record

A speeding ticket here, a fender-bender there, and they can really pile up when it comes to insurance premiums. Luckily, providers have started offering Accident Forgiveness discounts for drivers with one or more minor violations. However, this forgiveness policy is less likely to apply to serious violations, such as DUI or Reckless Driving.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 20 40 60 80 100 120 140 160 180 200 220 240 $100 $107 $121 $138 $82 $92 $92 $101 $175 $175 Do Not Sell $249 $69 $87 $151 $107 $70 $70 $198 $118
  • Your Vehicle

Luxury vehicles are expensive to insure for many reasons. Not only are they expensive to repair in general, but would you risk carrying Liability coverage only on a car which costs six figures? It’s highly unlikely. The more coverage you have to buy, the more your premiums will cost each month.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 40 80 120 160 200 240 280 320 360 $100 $201 $82 $157 $175 $398 $69 $110 $70 $134

Minor Factors in Cheap Car Insurance in Bear, Delaware

There are other ways to tweak your monthly rate, and some of them are below:

  • Your Marital Status

Married couples have a not-so-secret trick they can take advantage of if they want to save money on their policies. Bundling your policy with your spouse (under the same provider, of course) can get you some serious discounts.

  • Your Gender

Are you afraid you’ll be forced to pay higher rates because you’re female, or because you’re male? Odds are that you won’t have to worry that much. Many providers these days don’t charge different rates based on gender at all. And those who do might only charge 1-2%.

  • Your Driving Distance to Work

Bear might be a little farther removed from many places of employment, so workers can expect a 24-31 minute commute on average. Nearly 80% of motorists drive to work in their own car, while another 12-15% prefer to carpool with co-workers.

If you think you drive too much, and that this might make your insurance more expensive, you’ll technically be correct – but only by a few dollars each month. In truth, as long as you aren’t driving a business vehicle, it matters little whether you drive a lot, or a little, or to work, or for fun. Business vehicles are the ones that get charged more (by about 11% or so).

  • Your Coverage and Deductibles

Want to lower your monthly rate, or add coverage to your policy for less? Try raising your deductible to keep your monthly payments low. If you have to file a claim, though, you will have to pay more money out of pocket before your insurance company will contribute. So put some extra cash away for a rainy day.

  • Education in Bear, DE

Close to 40% of all drivers in Bear have earned a high school diploma or some other equivalent degree. However, many of them could benefit from going back to school; it’s been proven that insurance companies like to give lower rates to motorists who have improved upon their education. Believe it or not, your education level has an even more substantial effect on your rates than your job, or your income.

Bear is more of a suburban area than a hub for higher education, but that doesn’t mean that locals are without options. Two major state universities, the University of Delaware and Delaware State University, are just a moderate commute away.

Unfortunately for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

State of Delaware – Department of Insurance

Delaware Department of Finance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

These Companies Offer Lowest Rates on Auto Insurance in Bear, Delaware – Type Your ZIP Code in the Quote Box Below & See How Much You Can Save