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Finding the cheapest car insurance quotes in Wilmington shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Wilmington
The car insurance rate in Wilmington is $1719 for a six-month policy, which is $355 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1018, making it a popular choice for budget-conscious drivers. Rates in Wilmington can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $1018 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1303 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Cal Casualty
Cal Casualty offers auto insurance
rates at $1347
for six months, making it
the third cheapest auto insurance company in Wilmington.
Wilmington Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Wilmington, DE is Travelers, offering policies at just $1018 for a six-month term. This is followed by USAA, which has an average six-month premium of $1303.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3009 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wilmington drivers find the best deals.
Way's key takeaways about car insurance in Wilmington
The auto insurance costs in Wilmington fall around $1018 for six
months.
The cheapest auto insurance company in Wilmington is Travelers.
Teen drivers pay the highest rate in Wilmington at $2078 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Wilmington
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Wilmington are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Wilmington. Their Average 6 Month Premium is $397.
Encompass is the most
expensive at $741 for the same
period.
Cheapest Full Coverage Car Insurance in Wilmington
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Wilmington is Travelers
at $171 per month and $1018
for six months.
Cheapest Full Coverage Car Insurance Quotes in Wilmington,
DE
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Average Car Insurance in Wilmington by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Wilmington, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Wilmington, Delaware, may be increasing due to several external factors.
Delaware has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Wilmington's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Wilmington
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Wilmington,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Wilmington at $478
per
month. At $12469 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Wilmington.
As young drivers face the highest rates in Wilmington, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Wilmington,
Progressive is
the cheapest car insurance provider. At $1698 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Wilmington is Sentry, offering
rates of around $6332 for six
months.
Save up to $971/yr on car insurance rates in Wilmington.
Car Insurance Rates with An Accident in Wilmington
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Wilmington, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Wilmington
The cheapest car insurance companies after an at-fault accident in
Wilmington include USAA
and California Casualty, offering $929
and $980,
respectively. Sentry is an expensive provider
with an average six-month premium of
$8383.
Here is a list of driving violations that can increase your car
insurance rates in Wilmington DE. For example, the car
insurance in Wilmington
after a DUI increases to $1378 for a six
month policy. While the rate increases by $352 for a six-month policy in the case of
a speeding ticket.
Wilmington auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1601
$267
One Med/PIP claim
$1601
$272
Two Med/PIP claims
$1639
$273
One comp claim
$1654
$281
Not-at-fault accident
$1685
$281
Two comp claims
$1698
$289
Failure to show documents
$1826
$305
Driving with expired registration
$1909
$325
Failure to wear a seat belt
$1909
$318
Child safety restraint
$1932
$329
Driving without lights
$1932
$321
Speeding 11 - 15 MPH over limit
$1953
$333
Speeding 6 - 10 MPH over limit
$1953
$325
Driving too slowly
$1968
$335
Speeding in school zone
$1968
$328
Cell phone violation
$1976
$336
Following too closely
$1976
$329
Speeding 16 - 20 MPH over limit
$1976
$336
Texting while driving
$1976
$329
At-fault accident - less than $1000
$1998
$340
Failure to stop at a red light
$1998
$333
Failure to yield
$1998
$340
Illegal turn
$1998
$333
Improper passing
$1998
$340
Wrong way/wrong lane
$1998
$333
Speeding 21 - 25 MPH over limit
$2021
$344
Passing school bus
$2051
$341
Open container
$2171
$369
At-fault accident - $1000-$2000
$2208
$368
At-fault accident - greater than $2000
$2230
$379
In 65 MPH zone
$2245
$374
Operating a vehicle without permission
$2291
$389
Reckless driving
$2889
$481
Refusal to submit to a chemical test
$2956
$503
Driving with a suspended license
$2971
$495
DUI
$2979
$507
Racing
$3016
$503
Leaving scene of an accident/hit and run
$3113
$529
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Wilmington after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Wilmington.
The cheapest car insurance premiums in
Wilmington are
offered by Progressive at $1647 for a six-month policy.
However, it can be as
expensive as $6489 with companies
like Sentry.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Wilmington are offered by American Family
at $823. However,
it can be as expensive as $9258
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Wilmington after Speeding ticket
Car Insurance Price Trends in Wilmington,
Delaware
Car insurance rates in Wilmington have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Wilmington rose by
$507 in January
compared to $413 of December. In other words, there has been an increase by $94 when you
compare January and December.
The average cost of liability insurance in the Wilmington dipped to $100 in January,
compared to $112 in December.
This represents an decrease of $12
when comparing January and December.
Average Car Insurance Cost in Wilmington by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Wilmington. At $1907 for a
six-month policy, insuring
your car at 19810 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
19810
$1907
$320
19809
$1821
$305
19808
$2010
$337
19805
$2010
$337
19804
$1856
$311
19807
$1770
$297
19806
$1787
$300
19801
$1838
$308
19803
$1890
$317
19802
$1907
$320
Frequently Asked Questions
How much is car insurance in Wilmington?
The car insurance in Wilmington is $67 per month, which is lower than the national average.
What is the cheapest car insurance in Wilmington?
The cheapest car insurance in Wilmington
is $171 per month
for full coverage.
How much is car insurance in Wilmington for teenagers?
Car insurance for teenagers costs $2836 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Wilmington?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $289 per month to insure your
car in Wilmington.
Is car insurance expensive in Wilmington?
Car insurance can be expensive in Wilmington if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Wilmington can be
affordable.
What is the best car insurance in Wilmington,
DE?
The best car insurance company in Wilmington
DE is
Travelers, offering $1018 for a
six-month policy.
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