Bear, DE Car Insurance

Drivers in Bear pay, on average, $162 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Compared to their surrounding area, how do rates in Bear stack up? What about against the rest of Delaware? What rates can residents of Bear expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Bear?

Area Average Monthly Car Insurance Premium
Bear$162
DE$177
United States$80

Auto insurance coverage in Bear is about $15 cheaper than it is in the rest of Delaware.

That being said Bear residents should prepare to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Bear is about $82 more expensive than the national average.

While these numbers are the average rates for auto insurance in Bear, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for Bear residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$315
25-34$133
35-44$125
45-54Not Enough Data
55-64$79
65+$105

Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $210 more than drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may rise again in Bear.

Average Car Insurance Rates by Gender

Gender Average
Male$191
Female$130

Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Bear, where male drivers pay about $61 more per month. Looking at the table above, you can see that female drivers pay around $130 on average, while male drivers typically pay $191 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$197
Multiple Accidents$238
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Bear, a driving record with one accident will usually get you a rate around $197 a month.

Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$95
2-3 Years$83
4-5 Years$115
6-7 Years$127
8-10 Years$286
11-14 Years$189
15 Years or Older$116

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Bear, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$172
Married$91
Divorced$197
Widowed$113

On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Bear is about $81 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$107
Rent$223
Live with parents$187

One other element taken into consideration is your living accommodations. Homeowners in Bear can expect to pay around $116 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Bear, DE

Recent trends in car insurance for Bear drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Bear, the rates for car insurance rose from 2015-2016, when they hit a high of $224. This shifted in 2017, when insurance rates started to decrease. They reached a low of $117 in 2019, and finished at $191 in 2020.

How does Bear compare to neighboring areas?

Why are car insurance rates in Bear different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Total number of drivers
  • Road Safety (how many accidents each locality has)
  • Crime levels
  • Local laws
  • Access to off-street parking

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Bear?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Bear.

Compare the cheapest quotes from dozens of insurance companies

Bear Insurance FAQs

What factors affect car insurance quotes in Bear?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Bear different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Bear?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Bear?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Bear or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes