Cheapest Car Insurance Quotes in Wilmington

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Wilmington Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 $875 for a six-month policy, which is $27 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $392, 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.

Avg. Car Insurance in Wilmington

$875

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Wilmington

1st place: Erie

At $392 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $467 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $535 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, NC is Erie, offering policies at just $392 for a six-month term. This is followed by Progressive, which has an average six-month premium of $467.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1117 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.

Cheap Car Insurance Companies in Wilmington, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$392	$66
Progressive	$467	$79
State Farm	$535	$90
North Carolina Farm Bureau	$633	$107
Nationwide	$824	$139
Farm Bureau	$1083	$184
Farmers	$1106	$184
Kemper	$1215	$207
Allstate	$1383	$233
Penn National	$1117	$186

Key Takeaways

Way's key takeaways about car insurance in Wilmington

The auto insurance costs in Wilmington fall around $392 for six months.
The cheapest auto insurance company in Wilmington is Erie.
Teen drivers pay the highest rate in Wilmington at $59 per month.

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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.

Erie provides the cheapest minimum car insurance coverage in Wilmington. Their Average 6 Month Premium is $173. National Farmers Union Insurance is the most expensive at $300 for the same period.

Cheapest Liability Coverage in Wilmington, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$173	$29
State Farm	$237	$40
Progressive	$247	$42
North Carolina Farm Bureau	$271	$46
Nationwide	$340	$57
National General	$351	$58
Penn National	$380	$65
Farm Bureau	$553	$92
Allstate	$605	$102
National Farmers Union Insurance	$300	$49

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 Erie at $66 per month and $392 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wilmington, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$392	$66
Progressive	$467	$79
State Farm	$535	$90
North Carolina Farm Bureau	$633	$107
Nationwide	$824	$139
Farm Bureau	$1083	$184
Farmers	$1106	$184
Kemper	$1215	$207
Allstate	$1383	$233
Penn National	$1117	$186

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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, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Wilmington, North Carolina, may be increasing due to several external factors. North Carolina 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
20s	North Carolina Farm Bureau	$395
30s	North Carolina Farm Bureau	$395
40s	North Carolina Farm Bureau	$395
50s	North Carolina Farm Bureau	$395
60s	North Carolina Farm Bureau	$395
70s	North Carolina Farm Bureau	$395

Cheapest Car Insurance Rates for Teen Drivers in Wilmington,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Wilmington at $85 per month. At $345 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$507	$85
State Farm	$657	$111
Erie	$663	$112
North Carolina Farm Bureau	$1158	$195
Nationwide	$2506	$418
Allstate	$3030	$515
Penn National	$335	$55
National General	$345	$59

Teen Car Insurance Rates in NC by Age

Way Tip

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Wilmington.

As young drivers face the highest rates in Wilmington, North Carolina Farm Bureau offers the cheapest auto insurance rates at $395 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, North Carolina Farm Bureau is the cheapest car insurance provider. At $173 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 Allstate, offering rates of around $3048 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$173	$29
National General	$300	$49
Progressive	$323	$54
Erie	$374	$63
Nationwide	$743	$125
State Farm	$1279	$215
Farm Bureau	$1464	$249
Allstate	$3048	$508

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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, NC, 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 Progressive and Erie, offering $490 and $496, respectively. Farmers is an expensive provider with an average six-month premium of $513.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$490	$82
Erie	$496	$83
State Farm	$553	$93
North Carolina Farm Bureau	$760	$128
Nationwide	$1366	$230
Farm Bureau	$1723	$293
Allstate	$2604	$438
Penn National	$478	$81
Farmers	$513	$85

Wilmington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wilmington NC. For example, the car insurance in Wilmington after a DUI increases to $1792 for a six month policy. While the rate increases by $213 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	$553	$92
One Med/PIP claim	$553	$94
Not-at-fault accident	$559	$93
One comp claim	$570	$97
Two Med/PIP claims	$570	$95
Two comp claims	$588	$100
Failure to show documents	$651	$109
Child safety restraint	$721	$122
Driving without lights	$721	$120
Failure to wear a seat belt	$721	$122
Cell phone violation	$760	$127
Texting while driving	$760	$129
Speeding 6 - 10 MPH over limit	$766	$128
Driving with expired registration	$772	$131
Driving too slowly	$784	$131
Failure to stop at a red light	$784	$133
Failure to yield	$784	$131
Illegal turn	$784	$133
Open container	$784	$131
Operating a vehicle without permission	$784	$133
Wrong way/wrong lane	$784	$131
Speeding in school zone	$790	$134
At-fault accident - $1000-$2000	$795	$133
At-fault accident - less than $1000	$795	$135
In 65 MPH zone	$841	$141
Speeding 11 - 15 MPH over limit	$841	$143
Speeding 16 - 20 MPH over limit	$841	$141
Speeding 21 - 25 MPH over limit	$841	$143
Improper passing	$858	$144
Following too closely	$864	$147
At-fault accident - greater than $2000	$927	$154
Passing school bus	$1054	$179
Reckless driving	$1066	$178
Driving with a suspended license	$1648	$280
Leaving scene of an accident/hit and run	$2316	$386
Refusal to submit to a chemical test	$2340	$398
DUI	$2345	$391
Racing	$2385	$405

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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 National General at $398 for a six-month policy. However, it can be as expensive as $1319 with companies like Farmers.

Wilmington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$398	$68
Progressive	$1279	$215
State Farm	$1423	$240
Erie	$1509	$254
Nationwide	$2829	$476
North Carolina Farm Bureau	$3122	$526
Allstate	$6003	$1011
Farm Bureau	$6448	$1075
Farmers	$1319	$220

Cheapest car insurance after a speeding ticket

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 North Carolina Farm Bureau at $184. However, it can be as expensive as $2011 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wilmington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$184	$31
National General	$386	$66
Erie	$392	$66
State Farm	$421	$71
Progressive	$437	$74
Nationwide	$790	$133
Farm Bureau	$1446	$241
Allstate	$2011	$341

Car Insurance Price Trends in Wilmington, North Carolina

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 remained steady at $111 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Wilmington remained steady at $53 in both November and October, indicating no change over the two month period.

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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 $1032 for a six-month policy, insuring your car at 28411 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
28411	$1032	$173
28401	$971	$163
28412	$1032	$173
28405	$1006	$169
28403	$1041	$175
28409	$1014	$171

Frequently Asked Questions

How much is car insurance in Wilmington?

The car insurance in Wilmington is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Wilmington?

The cheapest car insurance in Wilmington is $66 per month for full coverage.

How much is car insurance in Wilmington for teenagers?

Car insurance for teenagers costs $507 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 $902 for a six-month policy. It will cost around $147 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.

Cheapest Car Insurance Quotes in Wilmington

Why you can trust Way?

How Much Is Car Insurance in Wilmington

Avg. Car Insurance in Wilmington

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Wilmington

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Wilmington Car Insurance Rates by Company

Cheap Car Insurance Companies in Wilmington, NC

Way's key takeaways about car insurance in Wilmington

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wilmington

Cheapest Liability Coverage in Wilmington, NC

Cheapest Full Coverage Car Insurance in Wilmington

Cheapest Full Coverage Car Insurance Quotes in Wilmington, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wilmington by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Wilmington, NC increasing?

Car Insurance Premiums by Age in Wilmington

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wilmington,NC

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Wilmington.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Wilmington

Cheapest Car Insurance Companies after an At-Fault Accident in Wilmington

Wilmington Car Insurance Rates by Violation

Wilmington auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wilmington after a DUI

Wilmington car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wilmington after Speeding ticket

Car Insurance Price Trends in Wilmington, North Carolina

Average Car Insurance Cost in Wilmington by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wilmington, NC

Car Insurance Rates by State in the USA (2025 Update)

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