Car Insurance in Middletown, DE
Experts break down car insurance costs, the coverage you need, where to find it, and more in Middletown, Delaware.
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.
Currently, 11.4% of drivers in the state of Delaware are uninsured. Without the right car insurance, drivers can get stuck paying out of their own pockets for damage to their vehicles and any disasters they cause with them.
An independent insurance agent in Middletown, DE, can help you find the types of car insurance you need to stay safe on the road and while parked. But for starters, here's how car insurance breaks down in Middletown, DE.
Best Car Insurance in Middletown, DE
The easiest way to find the best car insurance available in Middletown, DE is to work with an independent insurance agent in your city. Local independent insurance agents work with several insurance companies to browse all available options and rates.
Independent insurance agents in Middletown, DE also know how to find all the discounts you qualify for on your coverage. So not only will you walk away with all the coverage you need to feel safe behind the wheel, but you can also rest assured you're getting the best available rate.
What Does Car Insurance Cover in Middletown, DE?
Car insurance is made up of the types of coverage you select to go into your policy. Commonly selected coverages in Middletown, DE include:
- Collision coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled by a non-collision event such as a hailstorm or theft.
- Liability coverage: This covers damage to third parties for bodily injury or property damage caused by your vehicle.
- Uninsured motorist coverage: This covers drivers who get into an accident with someone who doesn't have any coverage or enough coverage of their own or who causes an accident and then flees the scene.
An independent insurance agent in Middletown, DE will ensure that you get all the car insurance you need.
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Our independent agents shop around to find you the best coverage.
How Much Does Car Insurance Cost in Middletown, DE?
The current cost of car insurance in Middletown, DE is actually higher than the national average. Car insurance averages $1,542 annually in the state of Delaware, while the US overall averages $1,311 per year. Delaware as a whole ranks 13th-most expensive for car insurance in the nation.
Is Car Insurance Required in Middletown, DE?
Yes, drivers in Middletown, DE are required to be insured before they hit the road. Minimum car insurance requirements for Delaware are:
- Bodily injury liability: Drivers must carry bodily injury liability coverage of at least $50,000 per accident and $25,000 per person.
- Property damage liability: Drivers must also carry property damage liability coverage of at least $10,000 per incident.
- Personal injury protection: Drivers are also required to carry personal injury protection coverage, which reimburses for their own injuries, or injuries to their passengers, if they cause an accident.
Work together with an independent insurance agent in Middletown, DE to get set up with your area's car insurance requirements, plus any additional coverage you may need.
What Are the Best Car Insurance Companies in Middletown, DE?
While car insurance is available from many different carriers in Middletown, DE, you can start by checking out just a few of our top picks for quality coverage.
| Best Car Insurance Companies in Middletown, DE | Star Rating |
| Progressive |
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| Acuity |
|
| PURE |
|
| Main Street America |
|
| Encompass |
|
Why Work with an Independent Insurance Agent in Middletown, DE?
There's no such thing as a one-size-fits-all car insurance policy. With a wide variety of products and options at your disposal, you can put together a solid car insurance package that's custom-built for you and other drivers in your family.
Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best car insurance companies in Delaware to find you the right coverage at a great price.
https://www.dmv.de.gov/VehicleServices/registration/index.shtml?dc=ve_reg_insurance#:~:text=All%20vehicles%20registered%20in%20the,injured%20in%20any%201%20accident.
http://www.city-data.com/city/Middletown-Delaware.html