Cheapest Auto Insurance for State Employees in Delaware

Cheapest Auto Insurance for State Employees in Delaware

Determining which companies quote the most affordable insurance rates for state employees involves a bit more effort than just comparing a company or two. Every insurance company has a unique formula for setting prices, so we’ll go over the overall cheapest insurance companies in Delaware.

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Delaware auto insurance company rankings
Rank Company Cost Per Year
1 USAA $840
2 Travelers $1,062
3 Nationwide $1,280
4 Atlantic States $1,318
5 California Casualty $1,332
6 Titan $1,344
7 GEICO $1,488
8 Donegal Mutual $1,559
9 National Grange Mutual $1,579
10 MetLife $1,693
11 Progressive $1,835
12 State Farm $1,888
13 Encompass $2,049
14 Allstate $2,834
15 Sentry $3,735
16 Liberty Mutual $6,406
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USAA generally has some of the most affordable car insurance rates in Delaware at around $840 annually. Travelers, Nationwide, Atlantic States, and California Casualty would also be considered some of the cheapest Delaware insurance companies.

As shown above, if you are currently insured with Travelers and switched to USAA, you might realize yearly savings of roughly $222. Insureds with Nationwide might save as much as $440 a year, and Atlantic States policyholders might lower prices by $478 a year.

It’s important to note that these policy prices are averages for all insureds and vehicles and do not factor in a rate decrease for state employees. So the insurer that is most affordable for your situation may not even be shown in the above rate chart. That’s why you need to get car insurance quotes using your own individual information.

For state workers, one of the more important considerations that is used to calculate rate quotes is where you choose to live. Areas with high crime rates or more dense population like Wilmington, Edgemoor, and Middletown tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims generally benefit from lower car insurance rates.

The next table illustrates the most costly cities in Delaware for state employees to buy auto insurance in.

How much does car insurance cost in Delaware?
Rank City Annual Rate
1 Wilmington $2,269
2 Wilmington Manor $2,191
3 Edgemoor $2,184
4 Brookside $2,142
5 Middletown $2,132
6 New Castle $2,119
7 Bear $2,061
8 Elsmere $2,028
9 Claymont $2,008
10 Newark $2,003
11 Hockessin $2,000
12 Pike Creek $1,980
13 Smyrna $1,763
14 Dover $1,675
15 Milford $1,667
16 Harrington $1,660
17 Laurel $1,634
18 Seaford $1,623
19 Highland Acres $1,607
20 Camden $1,606
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Premium amounts are comparative as the specific area where the vehicle is garaged can impact premium rates considerably.

The model of vehicle that is being insured is one of the largest considerations that determines if you can find the most economical coverage for state employees. Vehicles with lots of horsepower, a lack of advanced safety features, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models. The information below ranks insurance premiums for a selection of the most budget-friendly vehicles to insure in Delaware.

Auto Insurance Rates for Popular Cars in Delaware
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $1,274 $637 $106
Ford Focus SEL 4-Dr Sedan $1,306 $653 $109
Ford Fusion SEL AWD 4-Dr Sedan $1,450 $725 $121
Hyundai Elantra SE 4-Dr Sedan $1,334 $667 $111
Hyundai Sonata SE 4-Dr Sedan $1,428 $714 $119
Kia Optima SX $1,458 $729 $122
Nissan Altima Hybrid 4-Dr Sedan $1,364 $682 $114
Toyota Corolla LE $1,334 $667 $111
Volkswagen Jetta SE 4-Dr Sedan $1,364 $682 $114
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in Delaware location which can affect premium rates significantly.

Insurance Rates for Popular SUVs and Crossovers in Delaware
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Cadillac Escalade Luxury Edition 2WD $1,658 $829 $138
Chevrolet Suburban LS 2WD $1,304 $652 $109
Chevrolet Traverse LT AWD $1,196 $598 $100
Ford Escape XLT 2WD $1,078 $539 $90
Ford Expedition XLT 4WD $1,196 $598 $100
Ford Explorer Eddie Bauer 4WD $1,304 $652 $109
GMC Acadia SL 2WD $1,186 $593 $99
Honda CR-V EX 4WD $1,106 $553 $92
Honda Pilot EX 4WD $1,244 $622 $104
Jeep Grand Cherokee Laredo 4WD $1,274 $637 $106
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,336 $668 $111
Kia Sportage LX 2WD 4-Dr $1,186 $593 $99
Nissan Pathfinder S 4WD $1,214 $607 $101
Toyota Highlander Limited 4WD $1,392 $696 $116
Toyota RAV4 Limited 4WD $1,274 $637 $106
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific location information which can decrease or increase premiums considerably.

Insurance Rates for Popular Pickup Trucks in Delaware
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 4WD $1,078 $539 $90
Chevrolet Silverado 2500HD LT Crew Cab 2WD $1,516 $758 $126
Chevrolet Silverado Crew Cab Hybrid 2WD $1,422 $711 $119
Dodge Ram Crew Cab ST 4WD $1,398 $699 $117
Ford F-150 XL Crew Cab 4WD $1,244 $622 $104
Ford F-250 Lariat Super Cab Turbo Diesel 2WD $1,544 $772 $129
GMC Sierra 3500HD SLE Regular Cab 2WD $1,392 $696 $116
GMC Sierra SLE Crew Cab 4WD $1,364 $682 $114
Toyota Tacoma 2WD $1,246 $623 $104
Toyota Tundra SR/5 Crew Max 2WD $1,368 $684 $114
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium amounts do not factor in your specific Delaware location which can revise coverage rates substantially.

Insuring your vehicle with the best car insurance company can be difficult considering how many companies there are to choose from in Delaware. The ranking information displayed below could help you choose which providers you want to consider when comparing rate quotes.

The rankings below are for companies with a national presence, so smaller regional companies are not taken into consideration for the list. To compare rates from these top-rated insurers and more, follow this link.

Top 10 Large Car Insurance Companies in Delaware Ranked by Customer Satisfaction

  1. USAA – 91%
  2. Esurance – 90%
  3. AAA Insurance – 90%
  4. Nationwide – 89%
  5. Progressive – 88%
  6. Safeco Insurance – 88%
  7. State Farm – 88%
  8. Allstate – 88%
  9. Travelers – 88%
  10. The Hartford – 87%

Top 10 Large Car Insurance Companies in Delaware Ranked by Customer Service

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. Esurance

Who has the cheapest insurance quotes for state workers?

Due to technology, there are many ways to find lower-cost insurance in Delaware, but the most preferred ways are from an exclusive insurance agent such as Allstate or Auto-Owners, an independent insurance agent, or direct either online or via phone. You can use whichever method you prefer, but they differ in how they provide price quotes.

Independent insurance agencies are appointed by several companies and can compare coverage rates with all of them. Independent agents are not locked into one company and can provide you with more rate quotes, which can help you get improved odds of finding cheaper coverage. If a cheaper price is found, your policy can be easily switched to a new company which makes it easier to save money.

Exclusive agencies are able to quote prices with a single company, two examples being State Farm and Auto-Owners agents. Exclusive agents are unable to provide other companys’ prices, so always compare other rates.

The final way is buying direct, which means you forego local agents and instead buy from a direct company like Esurance. Buying direct is a good choice for drivers who have little risk and understand how insurance works and possible exclusions.

So which of those three methods works best to find the cheapest car insurance for state employees in Delaware? Most people would assume that buying direct saves the most money since that eliminates agent commissions, but that does not always hold true. A valid argument could also be made that buying insurance from an independent agent guarantees the best prices because they can shop around, but again, that’s not a true statement. In a lot of cases, exclusive agents may have very competitive prices that cannot be met by either independent or direct companies.

Because it’s impossible to say who has the best insurance rates, the best way to get rock-bottom rates is to obtain price quotes and compare them. Set aside the time to get price quotes from independent, exclusive, and direct to get an idea of which is cheapest. A great place to start is our list of online companies offering discounts: click here to view.

How to find the cheapest insurance for state employees

Here are many thrifty suggestions that can help drivers locate cheaper coverage.

  • Pay less by remaining claim-free
  • Do not get traffic citations
  • Avoid accidents
  • Save money by bundling your home and auto policies
  • Buy a safer vehicle
  • Comparison shop frequently

That last idea is especially crucial, as was pointed out in the prior information. Prices charged by auto insurers can change in a short period of time, so don’t be tentative to buy a different policy if a cheaper price is available.

Staying with the same company for years is fine, but is isn’t recommended if that dedication is costing money that could be spent on other things. In just a few minutes you could compare prices to find cheaper insurance for state employees.