How Much Does Car Insurance Cost in North Star, DE?
Full-coverage car insurance in North Star, DE averages $296 a month in 2026, with quotes on this page spanning Nationwide’s $229 low to Allstate’s $423 high. North Star is a compact, roughly 6.8-square-mile census-designated place of about 8,000 residents just outside Newark, where short suburban commutes and dense residential streets mean the carrier you choose — not the neighborhood — usually drives the bigger difference in your bill. Comparing all five quotes below rather than sticking with one insurer is the fastest way for North Star drivers to find real savings; the Delaware car insurance rate breakdown shows how nearby cities compare.
Rates last verified and updated: July 2026.
Related: Delaware home and auto insurance guide · Glasgow car insurance rates
How much should you expect to pay on average for car insurance in North Star?
Average North Star Car Insurance Rates:
- State Minimum Liability: You can expect to pay $117 a month or $1,403 a year.
- Full Coverage: You can expect to pay $315 a month or $3,775 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in North Star – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Providers in North Star?
- In North Star on average the cheapest auto insurance providers are GEICO, State Farm and Progressive.
- State minimum liability car insurance starts at $91 a month or $1,090 a year.
- Full coverage car insurance costs around $288 a month or $3,451 a year.
Here is a breakdown of average costs from the cheapest local insurance providers in North Star from our data set of used-car drivers who are single, middle aged and have a clean driving record.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $1,090 | $91 | $3,451 | $288 |
| State Farm | $1,255 | $105 | $2,979 | $248 |
| Progressive | $1,303 | $109 | $3,507 | $292 |
| Nationwide | $1,484 | $124 | $2,749 | $229 |
| Allstate | $1,510 | $126 | $5,071 | $423 |
How Much Car Insurance Do I Need?
In Delaware, drivers are required to carry a minimum level of auto insurance coverage to legally operate a vehicle on the road. Auto insurance requirements in DE are listed below:
- Bodily Injury Liability Coverage:
- $25,000 per person for bodily injury
- $50,000 total for bodily injury per accident
- Property Damage Liability Coverage:
- $10,000 per accident for property damage
This is often written as 25/50/10 coverage in insurance terms. These minimum coverage amounts provide basic protection for you as a driver if you’re found at fault in an accident, helping to cover the costs of injuries or damages to others.
Keep in mind that these are the minimum legal requirements. In many cases, it’s advisable to consider higher coverage limits or additional types of coverage beyond the state’s minimums to ensure better protection, especially if you have assets to protect or want greater financial security in the event of an accident.
How to Save Money on Auto Insurance Policies
You can save money on your auto insurance by:
- Getting quotes from different companies and comparing prices.
- Taking a Defensive Driving Course to lower your rates.
- Asking about discounts for security features, such as anti-lock brakes, air bags, and passive restraint systems.
- Seeking companies that offer bundle discounts for home and auto insurance.
If you are older than 18 and you haven’t bought auto insurance before, you may have to pay higher rates. However, you can save money by asking about discounts that may be available to you. For inexperienced and younger drivers, these include discounts for good grades and driving safely.
Full coverage in North Star, DE averages $296 a month in 2026, matching the Delaware statewide average since this page’s five carriers are priced from the same regional data. Rates range from $229 at Nationwide to $423 at Allstate for identical coverage limits.
Nationwide quotes the lowest full-coverage rate on this page at $229 a month, with State Farm second at $248 and GEICO third at $288, and Progressive and Allstate coming in highest at $292 and $423 respectively. Comparing at least three of these five carriers is the surest way for North Star drivers to find their best rate.
Choosing Allstate over Nationwide on this page adds upward of $190 to the monthly bill for coverage that is otherwise identical — more than $2,280 extra a year for North Star drivers who don’t compare quotes.
North Star is a compact census-designated place of about 8,000 residents covering just 6.8 square miles immediately outside Newark. Its short suburban commutes and closely spaced residential streets put North Star drivers in the same broad risk pool as neighboring New Castle County communities, which is why comparing carriers matters more than comparing towns.
No. Delaware is an add-on PIP state: it requires $15,000-per-person/$30,000-per-accident Personal Injury Protection that pays your own medical bills regardless of fault, but North Star drivers still retain an unrestricted right to sue an at-fault driver, which is not the case in true no-fault states.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
