What Georgetown drivers pay on average

Full-coverage car insurance in Georgetown runs close to the Sussex County average of about $210 a month for a 40-year-old driver with a clean record, the cheapest county band in Delaware and about $64 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.

Country roads, county seat

Georgetown anchors a spread of farms, poultry operations and small communities, and rural driving prices differently than city driving: fewer fender-benders per mile, but longer distances at higher speeds and more two-lane road miles between towns. Commuters running from Georgetown to the beach towns or up to the capital also log steady highway miles, which insurers read separately from town miles.

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.