Auto Car Insurance in Delaware | Downes Insurance | Milford, Delaware

Auto (Car and Truck) Insurance

Local Experts. Affordable Rates. Coverage That Protects.

Whether you're commuting to Wilmington, crossing the Bay Bridge, or cruising down Route 1, the right auto insurance protects you, your passengers, and your financial future. At Downes Insurance, we help drivers across Delaware, Maryland, and Pennsylvania find the best protection at the best price — with support from agents who live where you live.

What Does Auto Insurance Cover?

We help you build a custom policy that may include:

Liability Coverage – Covers injuries or property damage you cause to others
Collision Coverage – Pays for damage to your car from an accident
Comprehensive Coverage – Protection from theft, fire, vandalism, weather, and animals
Medical Payments / PIP – Helps cover medical bills for you or your passengers
Uninsured/Underinsured Motorist – Coverage if you're hit by a driver with no or not enough insurance
Roadside Assistance – Optional add-on for towing, lockouts, and more

We work with multiple top-rated carriers to get you the coverage you need at a price that fits your budget.

Who Needs Auto Insurance?

Everyone who drives a vehicle in DE, MD, or PA is required to carry state minimum coverage, but most people benefit from more than the bare minimum. We insure:

Families with multiple vehicles or teen drivers
Seniors and retirees
First-time car buyers
High-risk or previously uninsured drivers
Motorists needing SR-22 or FR-19 filings

How to Save on Car Insurance

We help you unlock discounts like:

✅ Multi-vehicle discount
✅ Home & Auto Bundle savings
✅ Safe driver discount
✅ Good student discount
✅ Low mileage or telematics-based rates

Want to see how much you could save? Start your quote now »

Bundle & Save Even More

Pair your car insurance with:

Ask us how much you can save by bundling your policies.

Why Choose Downes Insurance?

✅ Independent & Local – Serving Delaware, Maryland, and Pennsylvania
✅ Top Carriers – We shop multiple insurers for the best value
✅ Custom Quotes – Built around your needs and budget
✅ Real Agents – We answer the phone. We know your town.

“Downes Insurance got me better coverage and saved me $480 a year. The process was fast and the agent explained everything clearly.”
— Randy L., Middletown, DE

Auto Insurance FAQs

Q: What is the minimum auto insurance required in my state?
A: It varies. We’ll explain what’s legally required in and help you understand what additional coverage is smart.

Q: Can I get insurance if I’ve had accidents or tickets?
A: Yes — we work with carriers that offer affordable options for high-risk drivers too.

Q: Do I need full coverage on a financed car?
A: Most lenders require full coverage until your loan is paid off. We’ll help you meet their requirements affordably.