Wilmington, DE Auto Insurance (2024)
The average Wilmington, DE auto insurance rates are $623 per month. The minimum auto insurance in Wilmington is at least 25/50/10 in coverage to comply with Delaware auto insurance laws. To find the best cheap auto insurance in Wilmington, Delaware, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Wilmington, Delaware is 25/50/10
- The average commute length in Wilmington is 23.4 minutes
- Average auto insurance rates in Wilmington, DE for senior drivers are $4,381 per year
Wilmington, Delaware auto insurance requirements are 25/50/10 according to Delaware auto insurance laws. Finding cheap auto insurance in Wilmington can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Wilmington, Delaware, including driving record, credit, commute time, and more.
Compare auto insurance in Wilmington to other Delaware cities, including Newark auto insurance rates, Wilmington auto insurance rates, and George auto insurance rates to see how Wilmington, Delaware auto insurance rates stack up.
Before you buy Wilmington, Delaware auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Wilmington, Delaware auto insurance quotes.
Minimum Auto Insurance in Wilmington, Delaware
Wilmington, Delaware auto insurance laws require that you have at least the Delaware minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Wilmington, Delaware.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Wilmington, Delaware Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Wilmington, Delaware are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,363 | $4,269 | $3,828 | $4,032 | $15,855 | $18,483 | $4,565 | $4,826 |
| Geico | $3,286 | $3,639 | $3,183 | $3,700 | $7,871 | $8,144 | $3,445 | $3,294 |
| Liberty Mutual | $15,634 | $15,634 | $15,444 | $15,444 | $34,854 | $52,827 | $15,634 | $21,687 |
| Nationwide | $3,626 | $3,595 | $3,305 | $3,289 | $8,665 | $10,989 | $4,022 | $4,297 |
| Progressive | $2,298 | $2,122 | $2,018 | $2,060 | $11,786 | $13,028 | $2,817 | $2,738 |
| State Farm | $3,722 | $3,722 | $3,446 | $3,446 | $10,640 | $13,726 | $4,177 | $4,341 |
| Travelers | $2,044 | $2,053 | $2,017 | $1,968 | $12,281 | $19,018 | $2,189 | $2,373 |
| USAA | $1,575 | $1,549 | $1,457 | $1,454 | $5,905 | $6,940 | $1,987 | $2,186 |
Cheap Wilmington, Delaware Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Wilmington, Delaware is a challenge. Take a look at the annual teen auto insurance rates in Wilmington, Delaware.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $15,855 | $18,483 |
| Geico | $7,871 | $8,144 |
| Liberty Mutual | $34,854 | $52,827 |
| Nationwide | $8,665 | $10,989 |
| Progressive | $11,786 | $13,028 |
| State Farm | $10,640 | $13,726 |
| Travelers | $12,281 | $19,018 |
| USAA | $5,905 | $6,940 |
Cheap Wilmington, Delaware Auto Insurance for Seniors
What are senior auto insurance rates in Wilmington, Delaware? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,828 | $4,032 |
| Geico | $3,183 | $3,700 |
| Liberty Mutual | $15,444 | $15,444 |
| Nationwide | $3,305 | $3,289 |
| Progressive | $2,018 | $2,060 |
| State Farm | $3,446 | $3,446 |
| Travelers | $2,017 | $1,968 |
| USAA | $1,457 | $1,454 |
Cheap Wilmington, Delaware Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Wilmington, Delaware compared to the annual auto insurance rates with a clean record in Wilmington, Delaware.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $6,350 | $7,632 | $8,908 | $7,220 |
| Geico | $3,503 | $4,859 | $5,930 | $3,988 |
| Liberty Mutual | $18,787 | $21,551 | $33,994 | $19,247 |
| Nationwide | $4,158 | $4,158 | $7,657 | $4,921 |
| Progressive | $4,178 | $5,558 | $4,764 | $4,934 |
| State Farm | $5,348 | $6,457 | $5,903 | $5,903 |
| Travelers | $4,665 | $4,678 | $7,732 | $4,898 |
| USAA | $2,369 | $2,369 | $4,080 | $2,710 |
Cheap Wilmington, Delaware Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Wilmington, Delaware is not easy. Compare the annual rates for DUI auto insurance in Wilmington, Delaware to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $8,908 |
| Geico | $5,930 |
| Liberty Mutual | $33,994 |
| Nationwide | $7,657 |
| Progressive | $4,764 |
| State Farm | $5,903 |
| Travelers | $7,732 |
| USAA | $4,080 |
Cheap Wilmington, Delaware Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Wilmington, Delaware annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,680 | $6,843 | $6,059 |
| Geico | $7,101 | $3,927 | $2,683 |
| Liberty Mutual | $31,691 | $21,321 | $17,173 |
| Nationwide | $6,075 | $5,027 | $4,568 |
| Progressive | $5,429 | $4,754 | $4,392 |
| State Farm | $9,020 | $4,983 | $3,705 |
| Travelers | $6,119 | $5,054 | $5,305 |
| USAA | $4,733 | $2,277 | $1,636 |
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Cheap Wilmington, Delaware Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Wilmington, Delaware can vary. Compare the annual cost of auto insurance by ZIP code in Wilmington, Delaware to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 19801 | $8,266 |
| 19802 | $8,136 |
| 19803 | $6,372 |
| 19804 | $6,657 |
| 19805 | $7,939 |
| 19806 | $7,806 |
| 19807 | $6,326 |
| 19808 | $6,263 |
| 19809 | $6,824 |
| 19810 | $6,292 |
Cheap Wilmington, Delaware Auto Insurance Rates By Commute
Commute length and annual mileage affect Wilmington, Delaware auto insurance. Find the cheapest annual Wilmington, Delaware auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $7,528 | $7,528 |
| Geico | $4,500 | $4,641 |
| Liberty Mutual | $22,745 | $24,045 |
| Nationwide | $5,223 | $5,223 |
| Progressive | $4,858 | $4,858 |
| State Farm | $5,701 | $6,104 |
| Travelers | $5,493 | $5,493 |
| USAA | $2,851 | $2,912 |
Cheap Wilmington, Delaware Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Wilmington, Delaware? Check out the comparison of annual Wilmington, Delaware auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,842 | $7,622 | $8,118 |
| Geico | $4,081 | $4,636 | $4,994 |
| Liberty Mutual | $22,245 | $23,123 | $24,816 |
| Nationwide | $5,189 | $5,135 | $5,346 |
| Progressive | $4,252 | $4,917 | $5,406 |
| State Farm | $5,481 | $5,915 | $6,312 |
| Travelers | $5,138 | $5,678 | $5,662 |
| USAA | $2,697 | $2,879 | $3,069 |
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Best By Category: Cheapest Auto Insurance in Wilmington, Delaware
Compare the cheapest auto insurance companies in Wilmington, Delaware in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Wilmington, Delaware Auto Insurance Companies
What auto insurance companies in Wilmington, Delaware are the cheapest? Compare the top Wilmington, Delaware auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,528 |
| Geico | $4,570 |
| Liberty Mutual | $23,395 |
| Nationwide | $5,223 |
| Progressive | $4,858 |
| State Farm | $5,903 |
| Travelers | $5,493 |
| USAA | $2,882 |
What affects auto insurance rates in Wilmington, Delaware?
There are a lot of reasons why auto insurance rates in Wilmington, Delaware are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Wilmington, Delaware. Many local factors may affect your Wilmington auto insurance rates.
Wilmington Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Wilmington, Delaware commute length is 23.4 minutes according to City-Data.
Wilmington Traffic
How does Wilmington, Delaware rank for traffic? According to Inrix Wilmington, Delaware is the 414th most congested worldwide.
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Compare Wilmington, Delaware Auto Insurance Quotes
Before you buy Wilmington, Delaware auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Wilmington, Delaware auto insurance quotes.
Frequently Asked Questions
How can I report a claim or get assistance with my auto insurance in Wilmington, Delaware?
Contact your insurance company directly to report a claim or seek assistance with your auto insurance. They will guide you through the process.
Are there specific auto insurance requirements for teen drivers in Wilmington, Delaware?
Teen drivers must meet the same requirements but often have higher rates due to higher risk. Add them to your policy and explore available teen driver discounts.
Can I get discounts for bundling my auto insurance with other policies?
Yes, many insurers offer discounts for bundling multiple policies like auto and home or auto and renters insurance.
How can I compare auto insurance quotes in Wilmington, Delaware?
Compare quotes by contacting insurers directly, using online comparison tools, or working with an independent insurance agent.
Can my credit history affect my auto insurance rates in Wilmington, Delaware?
Yes, insurance companies consider credit history and may offer lower premiums to individuals with better credit.
How can I lower my auto insurance rates in Wilmington, Delaware?
Maintain a clean driving record, improve credit score, opt for a higher deductible, qualify for discounts, or consider usage-based or pay-as-you-go insurance.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.