New Castle, DE Car Insurance

Residents of New Castle pay, on average, about $231 per month for car insurance. We cover plan rates, policies and more in our guide below.
What can New Castle residents expect to pay for their car insurance? How do rates in New Castle measure up compared to neighboring areas, including Delaware as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in New Castle?

Area Average Monthly Car Insurance Premium
New Castle$231
DE$177
United States$80

Car insurance policies across the rest of Delaware are about $54 a month cheaper than the rates drivers pay in New Castle.

Likewise, the expected monthly payments for an auto insurance policy in New Castle are above the national average. It's around $151 more expensive for coverage in New Castle than the average rates seen in the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. The amount that insurance companies end up charging you is determined by a number of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for New Castle so that you can get a more accurate idea of what your monthly bill might be. 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$362
25-34$169
35-44$189
45-54Not Enough Data
55-64$138
65+Not Enough Data

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in New Castle.

Average Car Insurance Rates by Gender

Gender Average
Male$264
Female$202

In general, women pay slightly less for car insurance than men. In New Castle, male drivers pay about $62 more per month. As you can see in the table above, female drivers in the area typically pay $202 on average, while female drivers typically pay $264 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$361
Multiple Accidents$431
1 Ticket$315
Multiple Tickets$507

Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In New Castle, a driving record with a single accident will usually get you a rate around $361 a month. Likewise, drivers with one ticket will be looking at a rate of around $315 a month on average.

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$115
2-3 Years$227
4-5 Years$235
6-7 Years$274
8-10 Years$240
11-14 Years$246
15 Years or Older$177

According to the first table above, the cheapest vehicles to insure in New Castle are usually trucks and vans, at $130 per month.

Car owners will see a monthly rate of about $242, while SUV owners by and large pay around $208 a month.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. 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)$240
Married$189
Divorced$128

On average, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in New Castle, with married couples paying about $51 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$191
Rent$274
Live with parents$219

Another factor taken into consideration is your housing status. In New Castle, homeowners can expect to pay around $83 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in New Castle, DE

Recent trends in car insurance for New Castle drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In New Castle, auto insurance rates decreased from 2015-2017, before steadying out in 2018. Car insurance rates had been increasing again recently, hitting a high of $262 in 2020.

How does New Castle compare to neighboring areas?

Why are car insurance rates in New Castle different from other areas?

Car insurance companies look at a variety of factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Prevalence of crime
  • Off-street parking access
  • Road Safety (frequency of car accidents)
  • Total amount of drivers in the area
  • Area regulations

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge 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 particular neighborhood.

How can I find the cheapest car insurance in New Castle?

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.

But wait! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies that offer coverage 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 you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to New Castle?

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 New Castle 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.

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