Short-Term Car Insurance in Delaware

If you are seeking some flexibility as far as your car insurance is concerned, you could be considering a short-term auto insurance policy. Unfortunately, short-term car insurance is rare for multiple reasons.

Some many car insurance companies don't tend to draw up policies for less than six months. Because auto insurance is compulsory in most states, swapping policies by the month can be risky. Additionally, you risk having gaps in your auto insurance history by changing policies frequently, leading to more expensive rates in the future.

Fortunately, car insurance agreements commonly last for just six months. This quick turnaround allows insurers to “re-rate” — or re-price — the bill considering your recent driving record and personal profile.

It also provides the great opportunity for you to reassess your insurance situation by exploring the offerings of other companies. Getting quotes on the Internet is quick and complimentary, and there’s no penalty for changing car insurance companies between policy terms — or even mid-policy, assuming you never let your coverage lapse.

The short-term nature of auto insurance means it's relatively easy to purchase with little advance notice. If you need an insurance policy to take a car off of the lot, attempting to get a policy for a relatively long-term car rental or seeking coverage on a car you don't own but drive more than occasionally, think about purchasing a policy and ending the agreement as needed.

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Short-term auto insurance in Delaware

See below average car insurance costs in Delaware, ordered by popular companies and major cities. If you're paying more than the rates listed below, consider shopping around.


TEMPORARY AUTO INSURANCE RATES IN DELAWARE — BY INSURER
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Delaware State Average — All Companies$901$150
USAA$501$83
Atlantic States Insurance$624$104
Nationwide$776$129
Donegal Mutual Insurance$901$150
State Farm$930$155

The cheapest option for single-month auto insurance in Delaware is USAA, through which you can save $21 per month, compared to the next-cheapest company, Atlantic States Insurance. In Delaware, the average per-month cost of auto insurance is $150, or $901 over a six-month term.

Where you store your car can have as large an effect on your insurance premiums as the insurance company you choose. Car insurance companies consider the density and likelihood of a claim being filed when assigning prices by ZIP code. Check out insurance rates in major Delaware cities and compare how much you’re paying.


TEMPORARY AUTO INSURANCE RATES IN DELAWARE — BY CITY
CityAverage 6-Month RateAverage Monthly Rate
Wilmington$1,076$179
Dover$839$140
Newark$988$165
Bear$1,078$150
Middletown$953$159

Because so many factors are involved in setting insurance rates, your quotes may not match those displayed above. If your current rates don’t align with the above, take some time to weigh your options. The temporary timetable of a car insurance contract enhances the importance of staying informed and willing to shop.

Find out more about temporary car insurance or use The Zebra to compare policies for free today.


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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.