Best Cheap Auto Insurance in Wilmington, DE (2021)

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.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

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.

Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Wilmington, Delaware

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Wilmington, Delaware

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.

Annual Wilmington, Delaware Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Wilmington, Delaware

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.

Annual Auto Insurance Rates by Credit Score in Wilmington, Delaware

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Annual Auto Insurance Rates by ZIP Code in Wilmington, Delaware

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.

Annual Auto Insurance Rates by Commute Length in Wilmington, Delaware

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.

Annual Auto Insurance Rates by Coverage Level in Wilmington, Delaware

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Best Annual Auto Insurance Rates by Company in Wilmington, Delaware

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.

Average Annual Auto Insurance Rates by Company in Wilmington, Delaware

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption