Short-Term Car Insurance in Delaware

The Zebra
Jan. 18, 2019

If you want flexibility, you could be considering a short-term car insurance contract. Unfortunately, temporary car insurance agreements are uncommon for a few different reasons.

Firstly, major insurance companies don't tend to offer contract terms for periods shorter than half a year. Since car insurance is mandatory in most states, it can be risky to jump between policies. You also risk having gaps in your auto insurance history if you swap policies often, resulting in more expensive rates down the road.

The good news is car insurance agreements commonly last for just six months. This short duration allows auto insurance companies to frequently “re-rate” — or re-price — your policy based on your recent driving history and personal profile.


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The flexible nature of car insurance means it's relatively easy to find with little advance notice. If you need an insurance policy to drive a new vehicle off the lot, shopping for insurance for a longer-term car rental, or searching for insurance for a vehicle you don't own but regularly drive, consider purchasing a policy and curtailing the agreement as needed.

Temporary auto insurance in Delaware

See below normal car insurance rates in Delaware, organized by popular underwriters and major cities. If you’re paying substantially more than the rates below, consider making a change.


TEMPORARY CAR INSURANCE RATES IN DELAWARE — BY COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Delaware State Average — All Companies$850$142
USAA$409$68
GEICO$684$114
Progressive$888$148
State Farm$922$154
Nationwide$938$156

The most budget-friendly option for temporary auto insurance in Delaware is USAA, which can save you $46 per month, compared to the second-cheapest option, GEICO. In Delaware, the average monthly cost of auto insurance is $142, or $850 over a biannual contract.

Where you reside has as great an impact on your car insurance premiums as the insurance company you choose. Car insurance companies weigh the frequency of claims in a given area when assigning prices by ZIP code. Take a look at insurance premiums in Delaware's most populous cities and compare how much you pay.


TEMPORARY AUTO INSURANCE RATES IN DELAWARE — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Wilmington$1,146$191
Dover$821$137
Newark$1,022$170
Bear$1,021$154
Middletown$1,056$176

If your premiums exceed those listed above, take some time to compare rates. The temporary timetable of a car insurance agreement increases the importance of staying in-the-know and willing to shop.

Find out more about temporary car insurance or use our search function to compare rates today.


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Additional resources

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