Wilmington, NC Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Wilmington.
How much does car insurance cost in Wilmington?
The average cost of auto insurance in Wilmington is $486 per six-months. That's more expensive than the statewide average in North Carolina ($477) and cheaper than the national average of $880. Our guide to Wilmington auto insurance includes average rates based on age, credit score, and other factors in Wilmington. Read on to learn more!
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| Car insurance in Wilmington vs. North Carolina | Average 6 Mo. Premium |
|---|---|
| Wilmington average | $486 |
| North Carolina average | $477 |
The Zebra's key takeaways about car insurance in Wilmington:
- The average cost of a car insurance policy in Wilmington is $486 per six-month policy — $81 per month.
- The cheapest company in Wilmington is GEICO ($264).
- 41% of Zebra customers in Wilmington stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Wilmington car insurance rates by company
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.
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $264 |
| North Carolina Farm Bureau | $394 |
| Erie | $427 |
| State Farm | $431 |
| Nationwide | $541 |
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Wilmington.
Wilmington auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 25% of Wilmington drivers. The age bracket that pays the least for auto insurance in Wilmington consists of drivers in their 50s, who pay an average of $455 per six-months. Rates for Wilmington drivers in their 60s are also relatively affordable, at just $455.
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.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $1,090 |
| 20s | $529 |
| 30s | $482 |
| 40s | $473 |
| 50s | $455 |
| 60s | $455 |
| 70s | $484 |
Wilmington car insurance rates 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 $202 decrease in six-month car insurance rates. Our data tells us 34% of drivers in Wilmington have a credit score of good (680-719).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $772 |
| Fair | $569 |
| Good | $486 |
| Very Good | $471 |
| Exceptional | $450 |
Wilmington car insurance rates by violation
If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault collisions, DUIs and 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 $3,472 per year in extra insurance expenditures.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $2,222 |
| Reckless Driving | $908 |
| At-fault Accident (damages less than $1,000) | $652 |
| At-fault Accident (damages > $2,000) | $796 |
| Speeding Ticket (16-20 mph over speed limit) | $736 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.