Best Cheap Auto Insurance in Wilmington, MA (2021)

The average Wilmington, MA auto insurance rates are $254 per month. The minimum auto insurance in Wilmington is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Wilmington, Massachusetts, compare quotes from multiple companies.

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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.

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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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.

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Things to Remember

  • Average auto insurance rates in Wilmington, MA for senior drivers are $1,887 per year
  • The average commute length in Wilmington is 32.2 minutes
  • The minimum auto insurance required in Wilmington, Massachusetts is 20/40/5

Wilmington, Massachusetts auto insurance requirements are 20/40/5 according to Massachusetts 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, Massachusetts, including driving record, credit, commute time, and more.

Compare auto insurance in Wilmington to other Massachusetts cities, including Quincy auto insurance rates, Boston auto insurance rates, and Fall River auto insurance rates to see how Wilmington, Massachusetts auto insurance rates stack up.

Before you buy Wilmington, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Wilmington, Massachusetts auto insurance quotes.

Minimum Auto Insurance in Wilmington, Massachusetts

Wilmington, Massachusetts auto insurance laws require that you have at least the Massachusetts minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Wilmington, Massachusetts.

Minimum Required Auto Insurance Coverage in Wilmington, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Wilmington, Massachusetts Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Wilmington, Massachusetts 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, Massachusetts

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 $2,205 $2,205 $2,205 $2,205 $7,977 $7,977 $2,476 $2,476
GEICO $1,901 $1,901 $1,765 $1,765 $5,734 $5,734 $1,962 $1,962
Liberty Mutual $2,753 $2,753 $2,397 $2,397 $9,244 $9,244 $2,879 $2,879
Progressive $2,224 $2,224 $2,135 $2,135 $8,479 $8,479 $2,409 $2,409
State Farm $902 $902 $902 $902 $2,514 $2,514 $902 $902
Travelers $2,811 $2,811 $2,486 $2,486 $5,773 $5,773 $3,128 $3,128
USAA $1,339 $1,339 $1,320 $1,320 $3,124 $3,124 $1,478 $1,478

Cheap Wilmington, Massachusetts Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Wilmington, Massachusetts is a challenge. Take a look at the annual teen auto insurance rates in Wilmington, Massachusetts.

Annual Auto Insurance Rates for Teen Drivers in Wilmington, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,977 $7,977
GEICO $5,734 $5,734
Liberty Mutual $9,244 $9,244
Progressive $8,479 $8,479
State Farm $2,514 $2,514
Travelers $5,773 $5,773
USAA $3,124 $3,124

Cheap Wilmington, Massachusetts Auto Insurance for Seniors

What are senior auto insurance rates in Wilmington, Massachusetts? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Wilmington, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,205 $2,205
GEICO $1,765 $1,765
Liberty Mutual $2,397 $2,397
Progressive $2,135 $2,135
State Farm $902 $902
Travelers $2,486 $2,486
USAA $1,320 $1,320

Cheap Wilmington, Massachusetts 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, Massachusetts compared to the annual auto insurance rates with a clean record in Wilmington, Massachusetts.

Annual Wilmington, Massachusetts Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,880 $4,282 $4,820 $2,880
GEICO $2,277 $3,123 $3,563 $2,397
Liberty Mutual $3,406 $4,643 $5,592 $3,633
Progressive $3,204 $4,515 $3,577 $3,950
State Farm $1,033 $1,407 $1,675 $1,106
Travelers $2,767 $3,832 $4,087 $3,514
USAA $1,294 $1,679 $2,842 $1,446

Cheap Wilmington, Massachusetts Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Wilmington, Massachusetts is not easy. Compare the annual rates for DUI auto insurance in Wilmington, Massachusetts to find the best deal.

Annual Auto Insurance Rates After a DUI in Wilmington, Massachusetts

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,820
GEICO $3,563
Liberty Mutual $5,592
Progressive $3,577
State Farm $1,675
Travelers $4,087
USAA $2,842

Cheap Wilmington, Massachusetts Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Wilmington, Massachusetts can vary. Compare the annual cost of auto insurance by ZIP code in Wilmington, Massachusetts to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Wilmington, Massachusetts

ZIP Code Average Annual Rates
1887 $3,051

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Cheap Wilmington, Massachusetts Auto Insurance Rates By Commute

Commute length and annual mileage affect Wilmington, Massachusetts auto insurance. Find the cheapest annual Wilmington, Massachusetts auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Wilmington, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,595 $3,836
GEICO $2,788 $2,893
Liberty Mutual $4,149 $4,488
Progressive $3,812 $3,812
State Farm $1,274 $1,337
Travelers $3,384 $3,716
USAA $1,765 $1,865

Cheap Wilmington, Massachusetts Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Wilmington, Massachusetts? Check out the comparison of annual Wilmington, Massachusetts auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Wilmington, Massachusetts

Insurance Company Low Medium High
Allstate $3,433 $3,778 $3,936
GEICO $2,612 $2,892 $3,017
Liberty Mutual $4,044 $4,375 $4,536
Progressive $3,483 $3,893 $4,059
State Farm $1,188 $1,329 $1,400
Travelers $3,203 $3,624 $3,823
USAA $1,680 $1,846 $1,919

Best By Category: Cheapest Auto Insurance in Wilmington, Massachusetts

Compare the cheapest auto insurance companies in Wilmington, Massachusetts in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Wilmington, Massachusetts

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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The Cheapest Wilmington, Massachusetts Auto Insurance Companies

What auto insurance companies in Wilmington, Massachusetts are the cheapest? Compare the top Wilmington, Massachusetts auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Wilmington, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,716
GEICO $2,840
Liberty Mutual $4,318
Progressive $3,812
State Farm $1,305
Travelers $3,550
USAA $1,815

What affects auto insurance rates in Wilmington, Massachusetts?

There are a lot of reasons why auto insurance rates in Wilmington, Massachusetts are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Wilmington, Massachusetts. 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, Massachusetts commute length is 32.2 minutes according to City-Data.

Wilmington Traffic

How does Wilmington, Massachusetts rank for traffic? According to Inrix Wilmington, Massachusetts is the 414th most congested worldwide.

Compare Wilmington, Massachusetts Auto Insurance Quotes

Before you buy Wilmington, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Wilmington, Massachusetts auto insurance quotes.

Free Auto Insurance Comparison

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

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