Compare Wilmington, NC Car Insurance Rates (2021)

Car insurance in Wilmington, NC averages $283 a month. Wilmington, North Carolina car insurance requirements are 30/60/25, 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, NC.

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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

  • Average car insurance rates in Wilmington, NC after a DUI are $6,405/year
  • Average car insurance rates in Wilmington, NC are $3,396/year
  • The cheapest car insurance company in Wilmington is Liberty Mutual

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

You’ll find Wilmington car insurance rates, the cheapest Wilmington, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Wilmington, North Carolina car insurance rates to High Point car insurance rates, Winston-Salem car insurance rates, and Cary car insurance rates.

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

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

How do age, gender, and marital status affect Wilmington, NC car insurance rates? Every Wilmington, North Carolina 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, 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

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Minimum Car Insurance in Wilmington, NC

Every driver must carry the minimum car insurance in Wilmington, NC. Take a look at the North Carolina car insurance requirements.

Minimum Required Car 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

Cheapest Wilmington, NC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Wilmington, NC. 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, 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

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

Annual Wilmington, North Carolina Car 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

Cheapest Wilmington, NC Car Insurance for Teen Drivers

Teen car insurance in Wilmington, NC 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, 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

Cheapest Wilmington, NC Car Insurance for Seniors

Take a look at Wilmington, NC 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, 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

Cheapest Wilmington, NC Car Insurance Rates After a DUI

A DUI in Wilmington, NC increases car insurance rates. Compare Wilmington, North Carolina DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car 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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Cheapest Wilmington, NC Car Insurance Rates by Commute Length

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

Annual Car 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

Cheapest Wilmington, NC 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, NC.

Annual Car 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

The Best Cheap Car Insurance Companies in Wilmington, NC

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

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Wilmington, North Carolina

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

Best Annual Car 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

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

Annual Car 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

What affects car insurance rates in Wilmington, North Carolina?

What factors can have an impact on Wilmington, NC 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, North Carolina.

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, NC is 18.6 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, NC traffic data from INRIX ranks Wilmington as the 414th-most congested in the world.

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Compare Car Insurance Quotes in Wilmington, NC

Ready to find affordable Wilmington, North Carolina car insurance today? Enter your ZIP code for fast, free Wilmington, NC 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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