Compare Wilmington, DE Car Insurance Rates (2021)

Car insurance in Wilmington, DE averages $623 a month. Wilmington, Delaware car insurance requirements are 25/50/10, 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, DE.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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

  • The cheapest ZIP code in Wilmington is 19808
  • The cheapest car insurance company in Wilmington is USAA
  • Average car insurance rates in Wilmington, DE are $7,481/year

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

You’ll find Wilmington car insurance rates, the cheapest Wilmington, DE car insurance companies, and information on Delaware car insurance laws. You can also compare Wilmington, Delaware car insurance rates to Seaford car insurance rates, Milford car insurance rates, and Camden car insurance rates.

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

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

How do age, gender, and marital status affect Wilmington, DE car insurance rates? Every Wilmington, Delaware 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, 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

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Minimum Car Insurance in Wilmington, DE

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

Minimum Required Car 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

Cheapest Wilmington, DE Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Wilmington, DE. Compare credit history car insurance rates in Wilmington from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Wilmington, DE 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, DE to rates for a clean record with top companies.

Annual Wilmington, Delaware Car 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

Cheapest Wilmington, DE Car Insurance for Teen Drivers

Teen car insurance in Wilmington, DE 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, 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

Cheapest Wilmington, DE Car Insurance for Seniors

Take a look at Wilmington, DE 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, 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

Cheapest Wilmington, DE Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Wilmington, Delaware

Insurance Company Annual Car 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

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Cheapest Wilmington, DE Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Wilmington, Delaware

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

Cheapest Wilmington, DE Car Insurance Rates by ZIP Code

Wilmington car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Wilmington, DE.

Annual Car 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

The Best Cheap Car Insurance Companies in Wilmington, DE

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

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Wilmington, Delaware

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

Best Annual Car 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

Cheapest Wilmington, DE 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, DE car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Wilmington, Delaware?

What factors can have an impact on Wilmington, DE 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, Delaware.

Commute Time in Wilmington

The more time you spend in your car the higher the risk of an accident. The average commute length in Wilmington, DE is 23.4 minutes according to City-Data.

Traffic in Wilmington

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

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Compare Car Insurance Quotes in Wilmington, DE

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

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Average Monthly Car Insurance Rates by State