What Lewes drivers pay on average

Full-coverage car insurance in Lewes runs at or under 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 well 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.

Retirees and full-timers change the math

Lewes has one of the largest year-round retiree populations on the Delaware coast, and insurers price drivers by age band as much as by town. Retirees who drive fewer annual miles often quote well below the town average, while drivers commuting over the Route 1 corridor to jobs in Rehoboth, Milford or beyond can come in above it. Age and mileage matter here as much as address.

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.