Wilmington, NC Car Insurance

What's the average cost of car insurance in Wilmington?


The average cost of auto insurance in Wilmington is $972 per year. That's more expensive than the statewide average in North Carolina ($955) and cheaper than the national average of $1,548. Our guide to Wilmington auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


WILMINGTON CAR INSURANCE RATES
Wilmington Average (per year)North Carolina AverageU.S. Average
$972$955$1,548

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Wilmington car insurance rates by insurer


One of the most important determinants of your car insurance rates is the insurance company you work with. In Wilmington, GEICO provides the most affordable rates for the typical insurance customer. We've listed the best cheap car insurance companies in Wilmington below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


WILMINGTON AUTO INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
GEICO$529
North Carolina Farm Bureau$789
Erie$854
State Farm$863
Nationwide$1,083

Consult our expert guide to finding the best cheap car insurance.



Wilmington car insurance premiums by age

The age bracket that pays the least for auto insurance in Wilmington consists of drivers in their age_50s, who pay an average of $910. Rates for Wilmington drivers in their age_60s are also relatively affordable, at just $911 per year.

Teenage drivers pay Wilmington's most expensive auto insurance rates. When Wilmington drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Wilmington is $1,122, the largest such difference between any two age groups.


WILMINGTON CAR INSURANCE RATES BY DRIVER AGE
Age tierAverage Yearly Rate
Teenagers$2,181
20s$1,059
30s$964
40s$947
50s$910
60s$911
70s$969

Learn more about the impact of age on auto insurance rates.



Wilmington car insurance rates by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Wilmington pay $6 more than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single.

Gender is another factor that can affect car insurance rates. In Wilmington, the gap in car insurance costs between genders is $1 per year, with male drivers paying more than female drivers.


WILMINGTON CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$972
Male$972
Single$978
Married$978
Divorced$972
Widowed$972

Learn more about how gender and marital status have on car insurance rates.



Wilmington auto insurance costs by violation history


If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Wilmington drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $845 per year versus the city average. A ticket for speeding results in a $501 rate hike while a DWI or DUI violation costs $3,472per year in extra insurance expenditures.


AVERAGE WILMINGTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Rate
DUI/DWI$4,444
Reckless Driving$1,816
At-fault Accident (damages less than $1,000)$1,304
At-fault Accident (damages > $2,000)$1,593
Speeding Ticket (16-20 mph over speed limit)$1,473

Learn more about the impact of driving violations on car insurance rates.



Wilmington car insurance costs by credit score


It's no secret credit score is closely correlated with auto insurance rates. In fact, Wilmington drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 42% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Wilmington, improving your credit to "Fair" corresponds with a $405 decrease in annual car insurance rates.


WILMINGTON CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Yearly Rate
Very Poor$1,544
Fair$1,139
Good$972
Very Good$943
Exceptional$901

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.