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Get Cheap Car Insurance in Winterthur, DE

We monitor insurance prices, helping the average driver in Winterthur save up to 29.3% on car insurance.

 

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The Cheapest Minimum Coverage in Winterthur

The chart below shows the cheapest car insurance company in Winterthur for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Midvale Home & Auto, followed by State Farm, Travelers, and Dairyland.

 
Winterthur Insurer Monthly Cost
Midvale Home & Auto $79
State Farm $80
Travelers $80
Dairyland $95

Savings for Every Kind of Winterthur Driver

The table shows how much the average auto insurance customer in Winterthur might save by following our recommendations.

Based on our extensive insurance data, we know the average Winterthur driver will save about 23% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $443 per year by choosing the right vehicle insurance company. Some Winterthur residents are paying out over $1,916 extra every year for auto insurance in Winterthur. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Winterthur, DE Savings / Yr.
Drivers with good records
$443
Drivers with accidents
$750
Drivers with speeding tickets
$508
Drivers with a DUI conviction
$438
Young drivers
$2,113
Married drivers
$451
Drivers with bad credit
$479

Winterthur Car Insurance vs. Delaware

People living in Winterthur pay an average of 2.98% more than the typical driver in the state. The average driver in Winterthur can expect to pay about $1,269 per year, or $1,916 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in Winterthur for most people.

Car Insurance Prices by Winterthur Neighborhood

Winterthur, DE map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Winterthur?

The map shows insurance prices in and around Winterthur, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,916 to a low of $1,916. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the East parts of Winterthur.

Pick the Best Car Insurance Company for You in Winterthur

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Winterthur insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Winterthur

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $443 over the average Winterthur car insurance company.

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We use the average good driver, paying $123 per month, as our baseline for pricing in Winterthur. State Farm, Travelers, and Midvale Home & Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Winterthur drivers with accidents on their records

In Winterthur getting into an accident will raise premiums an average 29% for a yearly cost of $2,695. That's $780 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Midvale Home & Auto are good choices for drivers with accidents.

In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $750 over the competition.

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The best car insurance company for Winterthur drivers with speeding tickets

>Travelers gave the average person with a speeding ticket the most savings, averaging $508 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Winterthur, tickets raise premiums on new quotes about $407. If you have a speeding ticket, we recommend State Farm, Travelers, and Midvale Home & Auto for savings that beat the average insurance cost of $2,322 per year.

The best auto insurance for Winterthur drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,913 per year in auto insurance premiums, which was $998 more than a driver with no major issues. State Farm, Progressive, and Travelers penalized their customers the least for a DUI.

Getting a quote from Travelers may cost the average person with a DUI about $438 less each year.

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The least expensive car insurance company for new and young drivers in Winterthur

In Winterthur, State Farm costs young drivers $2,113 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 73% more for insurance than more mature drivers in Winterthur. With an average cost of $7,206 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Nationwide try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Winterthur

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $211. State Farm, Progressive, and Nationwide provided the largest discounts to couples living in Winterthur.

State Farm gave the largest car insurance discounts to married couples, averaging $451 saved each year compared to an average Winterthur couple's premiums.

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The cheapest car insurance in Winterthur for drivers with bad credit

People with poor credit saved an average of $479 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $877 every year. Premiums for people with poor credit were about $2,793 in Winterthur. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Travelers.

The best Winterthur car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Winterthur, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Winterthur.

Nationwide was the best company for customer service in Winterthur according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Winterthur, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Winterthur. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Winterthur

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 9.1% of Winterthur residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Winterthur driver can expect to pay about $119 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Winterthur, USAA has the best prices for drivers with accidents, young drivers, drivers with bad credit, drivers with speeding tickets, married couples, good drivers, and drivers with a DUI conviction.
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Auto Insurance Prices in and Around Winterthur

What Influences the Cost of Car Insurance in Winterthur?

On average, car insurance in Winterthur is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Winterthur is 27 minutes, which is far less than average for a driver in the state.
  • Delaware state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Winterthur are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • Winterthur has an average population density in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Winterthur is $106 per month for minimum coverage and $160 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

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* Who is the average Winterthur driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Winterthur with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.