Buy Cheap Wilmington, NC Auto Insurance (2022)

Wilmington, NC auto insurance rates average $283 a month. Minimum auto insurance requirements in Wilmington, North Carolina are 30/60/25 to comply with North Carolina laws. To buy cheap auto insurance in Wilmington, NC, compare Wilmington auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Wilmington, NC for teens drivers are $5,418/year
  • Average auto insurance rates in Wilmington, NC are $283/month
  • The most expensive auto insurance company in Wilmington is Allstate

Finding affordable Wilmington, North Carolina auto insurance can be challenging, but everything you need to know to buy cheap Wilmington, NC auto insurance with confidence is right here. Auto insurance rates in Wilmington are affected by local factors as well as personal ones like your driving record.

See how Wilmington, NC car insurance rates compare to Raleigh auto insurance rates, Concord auto insurance rates, and High Point auto insurance rates before you read more about the cost of auto insurance in Wilmington.

Don’t buy Wilmington, NC auto insurance until you’ve compared rates. Get free Wilmington, North Carolina auto insurance quotes when you enter your ZIP code above.

Wilmington, NC Minimum Auto Insurance Requirements

The required auto insurance in Wilmington, NC is 30/60/25 according to the auto insurance laws in North Carolina. The minimum auto insurance in Wilmington, North Carolina is outlined here.

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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Find Cheap Wilmington, NC Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Wilmington, NC. Take a look at Wilmington, North Carolina auto insurance rates by credit history.

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

Buy Cheap Wilmington, NC Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Wilmington, North Carolina auto insurance rates? Find out how car insurance rates in Wilmington, NC are impacted by demographics.

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

Buy Cheap Wilmington, NC Auto Insurance for Teen Drivers

Auto insurance for teenagers in Wilmington can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Wilmington, NC are listed here.

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

Buy Cheap Wilmington, NC Auto Insurance for Seniors

You can save on senior auto insurance rates in Wilmington, North Carolina by comparing Wilmington senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Wilmington, NC here.

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

Find Cheap Auto Insurance Rates in Wilmington, NC by Coverage Level

The amount of coverage you choose is a big factor in the cost of Wilmington, North Carolina auto insurance. Compare Wilmington, NC 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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Find Cheap Wilmington, NC Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Wilmington. Compare auto insurance rates in Wilmington, NC by commute length to see how your daily commute impacts your rates.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Wilmington, NC Auto Insurance Rates by ZIP Code

Auto insurance rates in Wilmington, North Carolina can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Wilmington, NC to see how much where you live in Wilmington affects the cost of car insurance.

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

Find Cheap Wilmington, NC Auto Insurance Rates by Driving Record

Auto insurance rates in Wilmington, North Carolina are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Wilmington, NC, take a look at the average cost for various violations versus rates for a clean driving record in Wilmington.

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

Find Cheap Wilmington, NC Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Wilmington, North Carolina is higher than for a clean driving record. You can buy auto insurance after a DUI in Wilmington for less when you shop around and compare rates from multiple Wilmington, NC auto insurance companies.

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Wilmington, NC

Compare rates from the cheapest auto insurance companies in Wilmington, NC for your needs. Take a look at how Wilmington, North Carolina auto insurance companies stack up for each category.

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

Find Cheap Wilmington, North Carolina Auto Insurance Companies

If you’re looking for the cheapest Wilmington, NC auto insurance companies overall, you can compare them here. Find the best price for Wilmington, North Carolina car insurance by company.

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 Wilmington, North Carolina auto insurance rates?

Local factors affect auto insurance rates in Wilmington, NC, including traffic, theft statistics, and commute length. Take a look at the things that impact Wilmington auto insurance rates.

Commute Times in Wilmington

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Wilmington, NC is 18.6 minutes according to City-Data.

Traffic in Wilmington

How is traffic in Wilmington, North Carolina? Inrix data shows that Wilmington, NC traffic makes it the 414th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Wilmington, NC

You can buy cheap Wilmington, NC auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Wilmington, North Carolina auto insurance quotes from top companies.

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