What Rehoboth Beach drivers pay on average

Full-coverage car insurance in Rehoboth Beach averages about $201 a month for a 40-year-old driver with a clean record, the lowest city average in Delaware and about $40 a month under the New Castle County average of $274.

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.

The beach-town wrinkle: seasonal and second homes

A lot of Rehoboth cars belong to people who live somewhere else, and the way a car is insured depends on how it is used. A car registered and driven mainly in Delaware stays on a standard Delaware policy. A car owned by an out-of-state resident is insured under that state’s rules, so a seasonal visitor’s rate can look nothing like the town average. Rental and seasonal properties raise different questions again, and those are worth asking about by name when you quote.

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.