Compare Wilmington, CA Car Insurance Rates (2021)

Car insurance in Wilmington, CA averages $337 a month. Wilmington, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Wilmington car insurance rates, compare quotes from the top car insurance companies in Wilmington, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Wilmington, CA after a DUI are $5,692/year
  • The cheapest car insurance company in Wilmington is USAA
  • Average car insurance rates in Wilmington, CA are $4,048/year

If you need to buy Wilmington, California car insurance, the options can be confusing. Everything you need to know about car insurance in Wilmington, CA is right here.

You’ll find Wilmington car insurance rates, the cheapest Wilmington, CA car insurance companies, and information on California car insurance laws. You can also compare Wilmington, California car insurance rates to San Francisco car insurance rates, Fresno car insurance rates, and Oakland car insurance rates.

Ready to find affordable Wilmington, CA car insurance today? Enter your ZIP code for fast, free Wilmington car insurance quotes.

Cheapest Wilmington, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Wilmington, CA car insurance rates? Every Wilmington, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Wilmington, California

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 $3,162 $3,154 $2,303 $2,319 $8,861 $11,125 $4,032 $4,401
Farmers $3,087 $3,087 $2,796 $2,796 $9,863 $16,100 $3,661 $4,081
GEICO $1,883 $1,884 $1,771 $1,771 $5,732 $5,829 $2,705 $2,764
Liberty Mutual $2,414 $2,275 $2,254 $2,179 $5,215 $5,591 $2,709 $2,748
Nationwide $3,518 $3,356 $3,082 $2,903 $8,984 $9,922 $4,194 $4,140
Progressive $2,017 $2,076 $1,723 $2,043 $5,425 $6,537 $2,927 $3,148
State Farm $3,877 $3,877 $3,466 $3,466 $7,151 $8,868 $4,292 $4,426
Travelers $2,733 $2,641 $2,409 $2,385 $5,724 $6,502 $3,560 $3,479
USAA $1,971 $1,870 $1,917 $1,928 $4,517 $4,536 $2,721 $2,575

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Minimum Car Insurance in Wilmington, CA

Every driver must carry the minimum car insurance in Wilmington, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Wilmington, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Wilmington, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Wilmington, CA to rates for a clean record with top companies.

Annual Wilmington, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,961 $4,986 $7,846 $3,886
Farmers $4,206 $5,725 $7,123 $5,682
GEICO $2,126 $3,287 $4,119 $2,638
Liberty Mutual $2,755 $3,688 $3,331 $2,919
Nationwide $3,495 $4,483 $7,589 $4,483
Progressive $2,111 $3,603 $4,189 $3,046
State Farm $3,517 $4,194 $7,919 $4,081
Travelers $2,432 $4,019 $4,650 $3,615
USAA $1,829 $2,723 $4,462 $2,004

Cheapest Wilmington, CA Car Insurance for Teen Drivers

Teen car insurance in Wilmington, CA can be expensive. Take a look at rates from the top car insurance companies in Wilmington for teenagers.

Annual Car Insurance Rates for Teen Drivers in Wilmington, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,861 $11,125
Farmers $9,863 $16,100
GEICO $5,732 $5,829
Liberty Mutual $5,215 $5,591
Nationwide $8,984 $9,922
Progressive $5,425 $6,537
State Farm $7,151 $8,868
Travelers $5,724 $6,502
USAA $4,517 $4,536

Cheapest Wilmington, CA Car Insurance for Seniors

Take a look at Wilmington, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Wilmington, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,303 $2,319
Farmers $2,796 $2,796
GEICO $1,771 $1,771
Liberty Mutual $2,254 $2,179
Nationwide $3,082 $2,903
Progressive $1,723 $2,043
State Farm $3,466 $3,466
Travelers $2,409 $2,385
USAA $1,917 $1,928

Cheapest Wilmington, CA Car Insurance Rates After a DUI

A DUI in Wilmington, CA increases car insurance rates. Compare Wilmington, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Wilmington, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,846
Farmers $7,123
GEICO $4,119
Liberty Mutual $3,331
Nationwide $7,589
Progressive $4,189
State Farm $7,919
Travelers $4,650
USAA $4,462

Cheapest Wilmington, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Wilmington, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Wilmington, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,434 $5,405
Farmers $5,156 $6,212
GEICO $2,764 $3,321
Liberty Mutual $2,911 $3,435
Nationwide $4,422 $5,603
Progressive $2,937 $3,537
State Farm $4,749 $5,107
Travelers $3,308 $4,050
USAA $2,537 $2,972

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The Best Cheap Car Insurance Companies in Wilmington, CA

Take a look at a side-by-side comparison of the top car insurance companies in Wilmington, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Wilmington, California

Insurance Company Average Annual Rates
Allstate $4,920
Farmers $5,684
GEICO $3,042
Liberty Mutual $3,173
Nationwide $5,012
Progressive $3,237
State Farm $4,928
Travelers $3,679
USAA $2,754

Category Winners: Cheapest Car Insurance in Wilmington, California

Find the cheapest car insurance companies in Wilmington, CA for each category right here.

Best Annual Car Insurance Rates by Company in Wilmington, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Cheapest Wilmington, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Wilmington car insurance rates. Find the cheapest Wilmington, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Wilmington, California

Insurance Company Low Medium High
Allstate $4,637 $4,965 $5,157
Farmers $5,271 $5,731 $6,050
GEICO $2,731 $3,078 $3,318
Liberty Mutual $2,934 $3,202 $3,383
Nationwide $4,493 $5,099 $5,445
Progressive $2,881 $3,336 $3,494
State Farm $4,442 $5,010 $5,331
Travelers $3,168 $3,782 $4,087
USAA $2,488 $2,809 $2,966

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What affects car insurance rates in Wilmington, California?

What factors can have an impact on Wilmington, CA car insurance? There are several reasons why Wilmington car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Wilmington, California.

Car Theft in Wilmington

High levels of vehicle theft can make car insurance more expensive. Wilmington, CA car theft statistics from the FBI indicate 452 vehicle thefts a year.

Traffic in Wilmington

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Wilmington, CA traffic data from INRIX ranks Wilmington as the 414th-most congested in the world.

Compare Car Insurance Quotes in Wilmington, CA

Ready to find affordable Wilmington, California car insurance today? Enter your ZIP code for fast, free Wilmington, CA car insurance quotes.

Free Car Insurance Comparison

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

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