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How much is car insurance in New Castle?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in New Castle are about $55 a month more expensive than the rest of Delaware.
Compared to the national average cost of auto coverage, New Castle has higher rates. The cost of auto coverage in New Castle is about $151 more expensive than the national average.
Although these are the average monthly costs for an auto insurance policy in New Castle, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for New Castle to help you understand what exactly you might be asked to pay. 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 18||Not Enough Data|
|45-54||Not Enough Data|
|65+||Not Enough Data|
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may creep back up in New Castle.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In New Castle, this difference shakes out to about $56 per month. As illustrated in the table above, female drivers in the area pay about $207 on average, while male drivers pay around $263 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in New Castle with a single accident on their record is about $361 a month. Likewise, drivers with one ticket will be looking at a rate of around $209 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$115|
|15 Years or Older||$176|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in New Castle, with drivers paying around $131 per month for auto insurance coverage.
Car owners can expect to pay an average of around $247 a month for their policy, while SUVs usually cost around $207 a month to insure.
Your rates can also vary depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In New Castle, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$239|
Generally speaking, those who have settled down into marriage will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. New Castle is no exception, with the difference totaling to around $50 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$254|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $81 a month more than drivers who own property in New Castle. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in New Castle, DE
Recent trends in car insurance for New Castle drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for auto insurance in New Castle declined from 2017-2018, when they hit a low of $158, but started to rise from 2019-2020. They finished up in 2022, at $547.
How does New Castle compare to neighboring areas?
Why are car insurance rates in New Castle different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. Many factors affecting your policy are based around where you live. These factors include things like:
- Road Safety (how many accidents each locality has)
- Number of drivers in the region
- Area laws
- Off-street parking access
- Prevalence of crime
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in New Castle?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in New Castle.
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New Castle Insurance FAQs
What factors affect car insurance quotes in New Castle?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in New Castle different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in New Castle?
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 New Castle?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to New Castle or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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