What Newark drivers pay on average

Full-coverage car insurance in Newark runs close to the New Castle County average of about $274 a month for a 40-year-old driver with a clean record, above 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.

Newark’s student-driver factor

A college town means younger drivers on the road, and young drivers are the most expensive to insure. If you are a parent adding a student to your policy, or a student shopping on your own, expect rates to run well above the town average for your age group. Delaware requires every registered car to carry insurance year round, including a car parked at school over the summer.

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.