Pike Creek, DE Auto Insurance | Cheap Car Insurance in Pike Creek, DE

Pike Creek, DE auto insurance requires a basic coverage of 15/30/10. Cheap car insurance in Pike Creek, DE starts at $59 monthly with Nationwide. Learn about the best Pike Creek, DE car insurance companies, including Allstate, State Farm, Liberty Mutual, Nationwide, and National Grange Mutual.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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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. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Delaware auto insurance requires a base coverage (15/30/10) for all residents (more information below). Some of the best Pike Creek, DE car insurance companies offer affordable premiums. The companies that offer cheap car insurance in Pike Creek, DE are Allstate, State Farm, Liberty Mutual, Nationwide, and National Grange Mutual. Nationwide offers drivers searching for Pike Creek, DE auto insurance $59/month.

Often referred to as the “Corporate Capital of the World,” Pike Creek is a haven for small and/or new businesses thanks to joint efforts by both private and public enterprise. Because of this, the city possesses a diverse labor force. Although within driving distance from major metropolitan areas such as Philadelphia, Pike Creek residents enjoy a lower cost of living with big-city convenience.

Fun fact: Did you know that Pike Creek is #1 on the list of “Top 101 cities with the largest percentage of males in occupations: Mathematical science occupations (population 50,000+)”?

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

Auto Insurance Coverage Requirements in Delaware

Trying to drive legally in Delaware? Well, you’ll need:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Personal Injury Protection 15,000/30,000 15,000/30,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Delaware differs from most states in that it requires a minimum level of PIP (Personal Injury Protection) along with Liability coverage. PIP insurance protects you in the event that you have medical expenses associated with an accident, regardless of who is deemed at fault.

Most drivers who live in Delaware are probably paying around $132 per month for their automotive insurance. However, did you know it’s possible to get good coverage in Pike Creek for $89/mo? To learn the secrets for affordable Pike Creek, DE auto insurance, keep on reading.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 306090120150180210240270300$90$196$82$157$142$329$59$96$70$134

Nationwide, National Grange Mutual, and State Farm are offering some fairly affordable rates in the Pike Creek right now. For the most part, these companies are fairly reputable. But not all insurance providers have what you need and also offer low Pike Creek, DE auto insurance rates. Therefore, it’s important to look into these companies before you make a final purchase.

Pike Creek, DE auto insurance companies contemplate numerous factors when establishing insurance quotes, including driving experience, credit score/rating, driving distance to work, and business use of the vehicle. In addition, premiums vary from provider to provider. To make sure you’re still getting the most affordable rate, compare auto insurance in Delaware online.

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Major Factors in Cheap Car Insurance in Pike Creek, Delaware

There are several ways in which your insurance rate might be estimated. But not all of it is out of your control; there are things you can do in order to control what discounts you are entitled to get. Listed here are a few of these factors in greater detail:

Your ZIP Code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Pike Creek is 7,898 and the median household income is $104,946.

Auto Insurance by ZIP CodeLegend: Bear Dover Newark Pike Creek Wilmington Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 20406080100120140160180200220$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

As you can see, fatal accident statistics for the Pike Creek area are very low. This is good for drivers in Pike Creek for both safety reasons, and for those who want to save money on their auto policy. After all, ZIP codes with lower accident rates are charged much less.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 306090120150180210240270300$90$196$82$157$142$329$59$96$70$134

Auto Thefts in Pike Creek

Even in small cities such as Pike Creek, where having your car stolen is statistically rare, auto theft can still be a problem. There are multiple things you can do to make this less of a problem for you: add Comprehensive coverage to your policy (which pays out theft claims), and install a passive anti-theft system on your car. Your automobile insurance company may reward you with lower rates!

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 306090120150180210240270300$90$175$82$129$142$311$59$93$70$130

Your Credit Score

Your credit score is one of those elements which you probably don’t think about often, but has a significant influence nonetheless. For those with good or even excellent credit, you can look forward to really low monthly rates. Those with poor credit, however, might face monthly charges which are significantly higher.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 20406080100120140160180200220$77$129$57$195$89$222$50$78$59$136

Your Age

One you get past a certain age, your insurance rates drop significantly and rarely fluctuate thereafter. However, when you are still very young, and especially if you are a teenage driver, your lack of experience behind the wheel makes you a high risk driver. And high risk drivers, unfortunately, have to pay higher monthly rates.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 50100150200250300350400450500550600$90$244$82$288$142$604$59$211$70$288

Your Driving Record

Most drivers don’t have a perfect driving record – but that doesn’t necessarily mean that they’re high risk. For this reason, many providers have a relatively new “Accident Forgiveness” discount which can reduce your premium for minor infractions, such as a speeding ticket or a minor accident. As your agent today if you’re eligible.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 20406080100120140160180200$90$97$109$123$82$92$92$101$142$142Do Not Sell$202$59$74$125$90$70$70$198$118

Your Vehicle

If you’re driving a relatively popular and economical car, you might not need to splurge on coverage because minor fixes won’t break your bank. However, it’s a different story for luxury vehicles. On top of being expensive to repair, luxury vehicles require more coverage in larger amounts, which explains their higher insurance rates.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 306090120150180210240270300$90$196$82$157$142$329$59$96$70$134

Minor Factors in Cheap Auto Insurance in Pike Creek, Delaware

Make sure you keep in mind how the following factors may alter your rate:

Your Marital Status

It’s not that being married makes you more or less likely to get into an accident, statistically speaking. However, insurance companies love it when you bundle policies together. Spouses are in a great position to save by giving their insurance company what they want and bundling their policies. You can even bundle homeowners, renters, or other forms of insurance (as long as all policies are offered by your insurer).

Your Gender

Some people still think that there are significant differences between male and female drivers – but not many of those people are currently working at auto insurance companies. Most insurers are charging men and women approximately the same rate these days.

Your Driving Distance to Work

Workers in Pike Creek have fairly long commute times, sometimes ranging from 21-26 minutes on average. Nearly 80% of the work force drives to work in their own car, while around 4-5% carpool.

Some insurers want to make a big deal out of how many miles you drive yearly, or why you’re driving (work/school vs. recreation). But in truth, unless you’re driving a business vehicle (which can see rate hikes as high as 10%) or more, your reason or distance won’t drastically alter your rate.

Your Coverage and Deductibles

Need to add coverage, but don’t want to double your monthly premium? Talk to your agent about raising your deductible. This can lower your monthly payments, but also leaves you with a higher bill if you need to file a claim.

Education in Pike Creek, DE

Almost one-third of motorists in Pike Creek have earned a bachelor’s degree. In the long run, this will help them save a lot of money on car insurance, because providers like giving cheaper rates to drivers with some form of higher education. Having a degree nets larger discounts than even having a prestigious job or a large salary.

Pike Creek may not have an abundance of colleges and trade schools within its borders, but that doesn’t mean that Pike Creek residents don’t have options. The nearby cities of Newark and Wilmington are two of the highest populated cities in Delaware. Additionally, they are home to the University of Delaware and Delaware State University, respectively, as well as an abundance of trade schools.

Finding affordable auto insurance can be a hassle. There’s a lot of information you need to consider, and figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong 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.


State of Delaware – Department of Insurance

Delaware Department of Finance

Department of Highway Safety and Motor Vehicles



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