Are Auto Insurance Costs Going Up in Delaware?

Most drivers can attest to the fact insurance rates usually rise each year. But there's a lot that goes into pricing auto insurance policies — and not every region experiences the same rate trends.

One of the primary rating factors insurance companies use to set rates is location. The ZIP code, city, and state in which a car is parked and operated help determine auto insurance rates — this comes down to state law and the differing levels of risk associated with insuring cars in various areas of the country.

Due to the dynamic nature of car insurance pricing, yearly pricing trends are different in every state. Car insurance rates might be rising annually in a given state while they decrease for drivers a single state over.

See below auto insurance rate trends in Delaware. If you're paying too much, consider shopping around to find a better rate. The Zebra's auto insurance comparison tool allows you to get auto insurance rates based on your specific profile — enter your ZIP below to get started.


Car insurance rate trends in Delaware


In Delaware, average yearly car insurance premiums went up by $110 over the past year. The usual driver in Delaware now pays an average premium of $1,828 per year.

The recent trend in Delaware points to lower auto insurance rates. From 2015 to 2018, rates decreased by an average of $179 annually. At the same time, insurance rates across the United States have risen in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.


YEARLY AUTO INSURANCE RATE TRENDS IN DELAWARE
Year Avg. Annual Premium — Delaware Yearly Change — Delaware Avg. Annual Premium — US Yearly Change — US
2018 $1,828 $110 $1,470 $32
2017 $1,718 $142 $1,437 $69
2016 $1,576 -$431 $1,368 $88
2015 $2,007 $147 $1,280 $51
2014 $1,860 $86 $1,229 $34
2013 $1,774 $229 $1,195 -$80
2012 $1,545 -$70 $1,276 $82

If your policy pricing trend doesn't align with the above, the best step to take is to shop around.


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How are car insurance rates changing in the largest Delaware cities?


Auto insurance is priced at the ZIP code level, with myriad variables influencing the area's rates. That means drivers can see major differences in their car insurance rates, based solely on their ZIP code or city. For example, Bear drivers experienced a larger premium increase (3.8%) than did drivers in Middletown (3.4%) between 2018 and 2017.

See below yearly rates of change in the largest cities in Delaware If your city is expensive — and moving isn't on the table — consider shopping around for a more affordable rate.


City Avg. Premium Increase — 2018 vs. 2017
Bear 3.8%
Middletown 3.4%
Wilmington 3.1%
Dover 3.1%
Newark 2.6%

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance