I just moved to Middletown from another state. What changes?

Delaware requires liability coverage of at least $25,000 per person, $50,000 per accident and $10,000 for property damage, plus personal injury protection. You will also need to title and register your car here, so it's a good time to review your policy.

Is there a GEICO office in Middletown?

Our one office is in Wilmington, about 35 minutes north. You can call, request a quote online, or stop in, and you get the same help however you reach us.

Do you insure ATVs and motorcycles around Middletown?

Yes. Both are among the ten lines we write. Ask for a quote and tell us how and where you ride.

Delaware’s only GEICO Exclusive Agency

Home and Auto Insurance in Middletown, DE

A growing town with long commutes, and a local office about 35 minutes north.

Rather talk to someone? Call our office

Middletown, Delaware

Insurance for one of Delaware's fastest-growing towns

Middletown has changed quickly. The town has grown from under 19,000 people in 2010 to about 25,800 today, and you can see it in the new neighborhoods around the old Main Street. That means many people here are still fairly new to the area.

Many of them also drive a long way to work. Route 1 and US 301 both pass right by town, so a long drive to work is common. New house, new commute, new policy: it's a good time to make sure everything fits. Our office is about 24 miles north if you want to talk it through.

We serve ZIP code 19709.

The Everett Theatre and brick storefronts in the Middletown, Delaware historic district

Local numbers

Homes and households in Middletown

Middletown has the newest housing of the eleven towns on this site: the typical home was built around 2005. About three households in four own their home, and about one in five has three or more vehicles.

Median year homes were built: 2005
Households that rent: 23%
Homes used seasonally: <1%
Workers who drive alone: 74%
Households with 3+ vehicles: 20%

Rounded estimates from the U.S. Census Bureau's American Community Survey, 2020–2024.

What matters most in Middletown

What we would look at first for a home in the Middletown area.

Homeowners Insurance
Your first Delaware home
Your mortgage company will ask for a home policy, but the amount it requires isn't always the amount you need. Check that your coverage would rebuild the house at today's prices, and that your belongings are counted too.
Get a homeowners quote
Auto Insurance
A long commute
More miles on the highway means more time in traffic. Tell your insurance company how far you really drive, and look at your liability limits. Delaware's minimums are a starting point, not a recommendation.
Get an auto quote
ATV Insurance
More room, more toys
Outside of town, there is still plenty of open land. An ATV usually isn't covered the way you might expect by a home or auto policy, so it's worth getting its own coverage.
Get an ATV quote

Why call Anne Scharp Insurance from Middletown?

Middletown keeps welcoming new neighbors, and a move is a good time to find a local insurance contact. We're the state's only GEICO Exclusive Agency, and we are one phone call away.

The only one in Delaware
Anne Scharp Insurance is the only GEICO Exclusive Agency in the state. It's what we do all day.
The same rates as GEICO.com
Working with us doesn't change your price. You get the same rates you'd find online, plus someone to call.
More than sixteen years
We have more than sixteen years of experience, an A+ from the BBB, and two GEICO Top Performer awards.

All coverage

Insurance we write for Middletown

These are all the lines we write. Choose one to see what we’d go over with you.

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Our office

Getting from Middletown to our office

We are about 24 miles north of Middletown, or about 35 minutes. Most of the drive is on US 301 and Route 1. Note that both have tolls.

We’re licensed in Delaware, Maryland, New Jersey, and Pennsylvania, and we have Spanish-speaking agents. Walk-ins are welcome during office hours.

FAQ

Insurance questions from Middletown

A good starting point is what it would cost to rebuild the house, which can be different from what you paid for it or what your lender requires. We can go over the numbers with you.

Last updated November 4, 2026. This page is general information, not advice about your own policy. What a policy covers depends on its terms, so call us before you rely on anything here.

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