Who Has The Cheapest Motorcycle Insurance Quotes In Delaware?

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Delaware is the second smallest and the sixth least populous State in the U.S. As the first state to ratify the Constitution, Delaware earned the moniker, The First State. Once a farming community, today Delaware’s largest business sectors are government, education, and banking. To see who in Delaware had the best motorcycle insurance rates, we gathered motorcycle insurance quotes from four major carriers for a 45-year-old male rider. Our research showed the most expensive place for the sample policy was 38.2% more expensive than the cost of the cheapest in Delaware.

Cheapest Motorcycle Insurance in Delaware

Our study shows which companies generally had the best motorcycle insurance rates in Delaware by analyzing available quotes from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The graph below includes the average premium quoted by each carrier for our sample policy and rider, along with the state average. GEICO had the lowest motorcycle insurance rates in Delaware and quoted our sample rider's policy to be $367 on average. The average rates quoted by Nationwide and Dairyland were $545 and $707, respectively. Progressive had the highest average quote of $1,317 which was more than 3x the cost of the cheapest (GEICO's average).

A study by ValuePenguin of four major motorcycle insurers - GEICO, Nationwide, Dairyland and Progressive - found GEICO had the best rates.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates in Delaware: By City

We gathered motorcycle insurance quotes for the identical sample rider and policy across all 50 states and frequently, the largest cities have some of the most expensive rates. However, after analyzing the motorcycle insurance rates for the five largest cities in Delaware, we found some were only slightly more than the state average. One place, Smyrna, even had motorcycle premiums that were cheaper than the Delaware average. Wilmington, the largest city in Delaware, had quotes that were 12.5% higher than the state average of $734. Quotes for Dover, Newark and Middletown were all within 3% of the state's average premium in our study.

RankCityAverage Annual Rate% Difference vs National Average
1 Wilmington $826 12.5%
2 Dover 737 0.4%
3 Newark 756 3.0%
4 Middletown 737 0.4%
5 Smyrna 713 -2.9%

Wilmington, DE

Wilmington is the largest city in Delaware and sits at the confluence of the Christina River and Brandywine River. It has historically been Delaware’s principal city and remains an attractive place for corporations to locate businesses. It has a population of roughly 70,000 who also have easy access to Philadelphia via the SEPTA rail. Motorcycle insurance rates in Wilmington were 12.5% higher than the Delaware average, some of most expensive in the state.

Dover, DE

The capital of Delaware is the second largest city in the state. It has just more than 37,000 residents, but it's part of a metropolitan area with more than 150,000. The state government is the largest employer in the city but large businesses also have a presence there, such as Kraft Food and Proctor & Gamble. The Dover International Speedway has held at least two NASCAR races each season since it opened in 1969. Motorcycle insurance rates in Dover are pretty reasonable. Premiums for our sample policy and rider were only 0.4% higher than the state average.

Newark, DE

Founded by Scottish, Irish and Welsh settlers in the late 17th century, Newark was very near a location where British and American fought during the American Revolutionary War. Among other things, the city is now recognized as a hub for U.S. and international figure skating. About 31,000 people call Newark home and those who own a motorcycle pay a little more than others in Delaware. Motorcycle insurance rates in Newark were 3% higher than the state average.

Middletown, DE

Middletown is a Delaware town with almost 20,000 residents and has grown significantly in recent years. Affluent housing developments have attracted commuters to Wilmington and even Philadelphia. The annual Olde Tyme Peach Festival that attracts thousands of visitors is one of a number of events the city hosts each year. Motorcycle insurance rates in Middletown were relatively affordable, with premiums that were only 0.4% higher than the Delaware average.

Smyrna, DE

The Town of Smyrna was first settled before the American Revolutionary War and now has more than 10,000 residents. It attracts residents and businesses alike, since it is only 12 miles from Dover and 30 miles from Newark and Wilmington. Motorcycle insurance rates in Smyrna are among the cheapest in Delaware. Premiums for our sample policy and rider were 2.9% lower than the state average. 

Most Expensive Motorcycle Insurance in Delaware

The five places with the most expensive motorcycle insurance in Delaware were all larger municipalities in the state. This is a trend we visible in other states whether the identical smaple policy and rider were used to evaluate quotes. The place with the least affordable rates was Elsmere, where motorcycle insurance quotes for our sample property were 15.8% higher than the Delaware average.

RankCityAverage Annual Rate% Difference vs State Average
1 Elsmere $850 15.8%
2 New Castle 850 15.8%
3 Wilmington 826 12.5%
4 Cheswold 783 6.7%
5 Laurel 775 5.6%

Elsmere, DE

Elsmere is a town in New Castle County in northern Delaware. For a long time, It was a small rural community with open farmlands and scattered residential dwellings. Eventually, its population grew to a little over 6,000 and its economy modernized. New business led to construction of a racecourse for horses, cars, and motorcycles and it now hosts the Delaware State Fair. Elsmere has some of the most expensive motorcycle insurance rates in Delaware. Quotes for our sample policy were 15.8% higher than state average.

New Castle, DE

The city of New Castle sits on the Delaware River and is considered a National Historic Landmark. Many of its 500 buildings include architecture dating back to the 17th, 18th and 19th centuries. In its traditional tours called “A Day in Olde New Castle,” the city’s community of more than 5,000 residents, dress in colonial costumes to welcome visitors. It also has some of the priciest motorcycle insurance rates in the state. Motorcycle insurance quotes for our sample policy in New Castle were 15.8% higher than the state average.

Wilmington, DE

In addition to being a business-friendly city, Wilmington hosts a number of cultural festivals, including The People's Festival, which is an annual tribute to Bob Marley. The singer and musician briefly lived in Wilmington. Delaware's most populous city is also one of the most expensive for motorcycle riders. Annual premiums for our sample policy and rider were $826, which is 12.5% higher than the Delaware average. 

Cheswold, DE

Cheswold, a town in Kent County, is located near central Delaware. With a population of less than 1,500 residents, it is known for being small, but also as a diverse community. Once primarily agricultural, its economy now includes thriving business and financial industries. Motorcycle insurance rates in Cheswold were 6.7% higher than the state average.

Laurel, DE

Laurel is part of Sussex County on the southwest coast of Delaware. This city’s 4,000 residents are enthusiastic about the success of its local sports teams. runs on sports. A Senior League softball team has won the Little League World Series, and the local high school has won the State Football Championships three times. Motorcycle insurance premiums quoted for our sample policy in Laurel were 5.6% higher than the state average.

Average Motorcycle Insurance Rates in Delaware: By City

This comparative study of motorcycle insurance premiums in Delaware was done by gathering and analyzing quotes from four major carriers across 26 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 38.2% more expensive than the cheapest.

A ValuePenguin study found the average motorcycle insurance rate for a sample rider and policy in Delaware was $734.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 26 municipalities and census-designated places in the state of Delaware. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
7 Bridgeville $713 -2.9%
8 Camden 713 -2.9%
23 Cheswold 783 6.7%
19 Claymont 756 3.0%
9 Clayton 713 -2.9%
Delaware Average 734 0.0%
16 Delaware City 731 -0.4%
10 Delmar 713 -2.9%
17 Dover 737 0.4%
25 Elsmere 850 15.8%
11 Georgetown 713 -2.9%
12 Harrington 713 -2.9%
22 Laurel 775 5.6%
2 Lewes 708 -3.6%
18 Middletown 737 0.4%
1 Milford 615 -16.2%
3 Millsboro 708 -3.6%
4 Milton 708 -3.6%
26 New Castle 850 15.8%
20 Newark 756 3.0%
5 Ocean View 708 -3.6%
21 Rehoboth Beach 770 5.0%
13 Seaford 713 -2.9%
6 Selbyville 708 -3.6%
15 Smyrna 713 -2.9%
14 Townsend 713 -2.9%
24 Wilmington 826 12.5%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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