Best Cheap Auto Insurance in Wilmington, NC (2021)

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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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: Jul 16, 2021

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

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

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Wilmington, North Carolina

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.

Annual Wilmington, North Carolina Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Wilmington, North Carolina

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.

Annual Auto Insurance Rates by Credit Score in Wilmington, North Carolina

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.

Annual Auto Insurance Rates by ZIP Code in Wilmington, North Carolina

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.

Annual Auto Insurance Rates by Commute Length in Wilmington, North Carolina

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.

Annual Auto Insurance Rates by Coverage Level in Wilmington, North Carolina

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.

Best Annual Auto Insurance Rates by Company in Wilmington, North Carolina

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.

Average Annual Auto Insurance Rates by Company in Wilmington, North Carolina

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.

Free Auto Insurance Comparison

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

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