Wilmington, NC Auto Insurance (2024)
The average Wilmington, NC auto insurance rates are $283 per month. The minimum auto insurance in Wilmington is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Wilmington, North Carolina, 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 most expensive auto insurance company in Wilmington for teen drivers is Allstate
- The minimum auto insurance required in Wilmington, North Carolina is 30/60/25
- The average commute length in Wilmington is 18.6 minutes
Wilmington, North Carolina auto insurance requirements are 30/60/25 according to North Carolina 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, North Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Wilmington to other North Carolina cities, including Charlotte auto insurance rates, High Point auto insurance rates, and Greensboro auto insurance rates to see how Wilmington, North Carolina auto insurance rates stack up.
Before you buy Wilmington, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Wilmington, North Carolina auto insurance quotes.
Minimum Auto Insurance in Wilmington, North Carolina
Wilmington, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Wilmington, North Carolina.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Wilmington, North Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Wilmington, North Carolina 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 | $5,424 | $5,424 | $4,450 | $4,450 | $13,059 | $13,059 | $5,531 | $5,531 |
| Geico | $2,487 | $2,442 | $2,455 | $2,412 | $4,588 | $4,548 | $2,189 | $2,177 |
| Liberty Mutual | $1,855 | $1,855 | $1,919 | $1,919 | $3,307 | $3,307 | $1,855 | $1,855 |
| Nationwide | $2,515 | $2,515 | $2,515 | $2,515 | $4,300 | $4,300 | $2,515 | $2,515 |
| Progressive | $1,762 | $1,762 | $1,615 | $1,615 | $4,210 | $4,210 | $1,969 | $1,969 |
| State Farm | $2,599 | $2,599 | $2,248 | $2,248 | $3,843 | $3,843 | $3,211 | $3,211 |
| Travelers | $2,692 | $2,692 | $2,671 | $2,671 | $4,618 | $4,618 | $2,763 | $2,763 |
Cheap Wilmington, North Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Wilmington, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Wilmington, North Carolina.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,059 | $13,059 |
| Geico | $4,588 | $4,548 |
| Liberty Mutual | $3,307 | $3,307 |
| Nationwide | $4,300 | $4,300 |
| Progressive | $4,210 | $4,210 |
| State Farm | $3,843 | $3,843 |
| Travelers | $4,618 | $4,618 |
Cheap Wilmington, North Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Wilmington, North Carolina? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,450 | $4,450 |
| Geico | $2,455 | $2,412 |
| Liberty Mutual | $1,919 | $1,919 |
| Nationwide | $2,515 | $2,515 |
| Progressive | $1,615 | $1,615 |
| State Farm | $2,248 | $2,248 |
| Travelers | $2,671 | $2,671 |
Cheap Wilmington, North Carolina 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, North Carolina compared to the annual auto insurance rates with a clean record in Wilmington, North Carolina.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,858 | $6,796 | $12,598 | $5,211 |
| Geico | $1,544 | $2,305 | $5,658 | $2,142 |
| Liberty Mutual | $1,334 | $1,711 | $4,179 | $1,711 |
| Nationwide | $1,746 | $2,255 | $5,589 | $2,255 |
| Progressive | $1,135 | $1,649 | $5,177 | $1,596 |
| State Farm | $1,578 | $2,293 | $5,738 | $2,293 |
| Travelers | $1,909 | $2,485 | $5,898 | $2,453 |
Cheap Wilmington, North Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Wilmington, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Wilmington, North Carolina to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $12,598 |
| Geico | $5,658 |
| Liberty Mutual | $4,179 |
| Nationwide | $5,589 |
| Progressive | $5,177 |
| State Farm | $5,738 |
| Travelers | $5,898 |
Cheap Wilmington, North Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Wilmington, North Carolina annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,606 | $6,255 | $5,486 |
| Geico | $3,144 | $2,899 | $2,694 |
| Liberty Mutual | $2,234 | $2,234 | $2,234 |
| Nationwide | $2,961 | $2,961 | $2,961 |
| Progressive | $2,687 | $2,331 | $2,149 |
| State Farm | $4,178 | $2,672 | $2,077 |
| Travelers | $3,395 | $3,098 | $3,066 |
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Cheap Wilmington, North Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Wilmington, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Wilmington, North Carolina to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 28401 | $3,185 |
| 28403 | $3,000 |
| 28405 | $2,994 |
| 28409 | $2,999 |
| 28411 | $2,998 |
| 28412 | $2,987 |
Cheap Wilmington, North Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Wilmington, North Carolina auto insurance. Find the cheapest annual Wilmington, North Carolina auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $7,116 | $7,116 |
| Geico | $2,912 | $2,912 |
| Liberty Mutual | $2,234 | $2,234 |
| Nationwide | $2,961 | $2,961 |
| Progressive | $2,389 | $2,389 |
| State Farm | $2,969 | $2,982 |
| Travelers | $3,186 | $3,186 |
Cheap Wilmington, North Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Wilmington, North Carolina? Check out the comparison of annual Wilmington, North Carolina auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,850 | $7,086 | $7,411 |
| Geico | $2,769 | $2,901 | $3,067 |
| Liberty Mutual | $2,118 | $2,219 | $2,365 |
| Nationwide | $2,827 | $2,946 | $3,112 |
| Progressive | $2,253 | $2,373 | $2,541 |
| State Farm | $2,830 | $2,959 | $3,138 |
| Travelers | $3,040 | $3,168 | $3,351 |
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Best By Category: Cheapest Auto Insurance in Wilmington, North Carolina
Compare the cheapest auto insurance companies in Wilmington, North Carolina in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | Progressive |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Progressive |
The Cheapest Wilmington, North Carolina Auto Insurance Companies
What auto insurance companies in Wilmington, North Carolina are the cheapest? Compare the top Wilmington, North Carolina auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,116 |
| Geico | $2,912 |
| Liberty Mutual | $2,234 |
| Nationwide | $2,961 |
| Progressive | $2,389 |
| State Farm | $2,975 |
| Travelers | $3,186 |
What affects auto insurance rates in Wilmington, North Carolina?
There are a lot of reasons why auto insurance rates in Wilmington, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Wilmington, North Carolina. 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, North Carolina commute length is 18.6 minutes according to City-Data.
Wilmington Traffic
How does Wilmington, North Carolina rank for traffic? According to Inrix Wilmington, North Carolina is the 414th most congested worldwide.
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Compare Wilmington, North Carolina Auto Insurance Quotes
Before you buy Wilmington, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Wilmington, North Carolina auto insurance quotes.
Frequently Asked Questions
Are there any discounts available to lower auto insurance rates in Wilmington?
Discounts such as safe driver, multi-policy, good student, and safety feature discounts are available to lower auto insurance rates in Wilmington. Inquire with your provider about available discounts.
What are the best ways to compare auto insurance quotes in Wilmington, North Carolina?
Compare auto insurance quotes in Wilmington using online tools, contacting agents, or reaching out to insurance companies. Provide accurate information for accurate quotes.
How do auto insurance rates vary by ZIP code in Wilmington, North Carolina?
Auto insurance rates can vary by ZIP code in Wilmington, with factors such as crime rates and accident statistics influencing rates in specific areas.
How does my credit history affect my auto insurance rates in Wilmington?
Your credit history can impact auto insurance rates in Wilmington. Better credit scores may result in lower rates, while poor credit scores can lead to higher premiums.
Which auto insurance company is the cheapest in Wilmington, North Carolina?
The cheapest auto insurance company in Wilmington varies based on individual factors. Compare quotes to find the most affordable rates for your situation.
How does my driving record impact my auto insurance rates in Wilmington?
Your driving record impacts auto insurance rates in Wilmington. A clean record with no accidents or violations generally leads to lower rates, while a history of accidents or violations can increase rates.
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.