What New Castle drivers pay on average

The city of New Castle carries the highest city average reading on this site at about $293 a month for a 40-year-old driver with a clean record, above the county average of $274 and the statewide Delaware average of about $241 a month.

Averages are not quotes. Your own rate depends on your driving record, your vehicle, your coverage limits and your exact ZIP code. Ready to see real offers? Compare free car insurance quotes and pick the coverage that fits.

Why this corridor prices high

New Castle sits where two big highways meet the coast: Route 9 and the Route 1 connection carry shore-bound traffic through town, and the industrial corridor along the Delaware River moves heavy trucks all day. Density, traffic mix and claim frequency all push averages up in this band of the state. The upside is it is also the most competitive market in Delaware for quotes, with more carriers actively pricing the area than anywhere else in the state.

What Delaware requires you to carry

Delaware’s minimum liability limits are 25/50/10: $25,000 for injury to one person, $50,000 for injuries per accident and $10,000 for property damage. Every policy also carries personal injury protection (PIP) of $15,000/$30,000.

Uninsured motorist coverage is included in every Delaware policy unless you reject it in writing. Delaware is a fault state, so the at-fault driver’s insurance pays first.