1. Home
  2. The Best Cheap Car Insurance in Wilmington

Average Cost of Car Insurance in Wilmington

Wilmington$1,483
Delaware$1,483
U.S.$1,424

The average cost of car insurance in Wilmington is $1,483, which is equal to the statewide average premium. Compared with the national average, drivers in Wilmington typically pay about 4.1% more for their car insurance.

Compare Car Insurance Rates in Wilmington

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

The Best Cheap Car Insurance Companies in Wilmington

On average, USAA provides the cheapest car insurance in Wilmington. Their services, however, are meant exclusively for military members and their families. The second most affordable car insurance offering in this city comes from State Farm. Drivers can expect to pay about 53.8% less for a State Farm policy compared to Allstate, which is the most expensive car insurance provider in Wilmington.

Scroll for more

swipe icon

Personalized Quotes to Get You the Cheapest Car Insurance in Wilmington

A number of important factors are analyzed by insurance companies to assess risk while offering personalized car insurance quotes in Wilmington. Your age, location, driving history and how many miles you drive per year can all play a part in how much you have to pay. For example, a GEICO policy in the city would cost an 18-year-old driver $2,010 more on average than a 40-year-old driver with similar coverage. As your situation changes, regularly getting personalized quotes can help you find the best deals.

Compare Car Insurance Rates in Wilmington

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Wilmington by Coverage Amount

How much car insurance coverage you purchase in Wilmington also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

Delaware Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
  • Personal Injury Protection
    $15,000 per person and $30,000 per accident.

Car insurance companies in Wilmington provide multiple insurance plan options based on the level and type of coverage. GEICO, for example, has 50/100/50 plans with options of liability-only and full-coverage packages. These include $50,000 of coverage for medical expenses per person, totaling $100,000 per vehicle, with $50,000 dedicated to property damage repair.

With GEICO, the full-coverage policy costs $237 more on average than the liability-only policy. A 100/300/100 full-coverage plan can also be had for an average of an additional $137. According to your needs, these might be advisable expenses.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
Compare Car Insurance Rates in Wilmington

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Wilmington if You Have Tickets

Driving violations can cause insurance rates to increase drastically. For example, a Nationwide policyholder with no violations can expect to pay around $1,364 per year in Wilmington. However, that rate increases by an average of $195 if you have a speeding ticket, and an at-fault accident adds around $478. Meanwhile, a DUI will increase the original rate by roughly $835.

Average Cost of Car Insurance by Postal Code

There can also be some variance in your costs depending on where you live in Wilmington. Across different ZIP codes in the city, there is an average difference of $249 in annual car insurance premiums.

  • Zip Code
    State Minimumper year
  • 19808
    $1,358
  • 19805
    $1,607

Factors That Impact Insurance Costs in Wilmington

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Wilmington. How Wilmington ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities263rd/300
handcuffs2 icon
Most Car Thefts60th/300
uninsured icon
Most Uninsured Motorists by State28th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall95th/300
umbrella icon
Most Rainy Days78th/300

Shopping around for car insurance in Wilmington could save you $254, which is enough to buy:


coffee icon
85Cups of Coffee
display2
20Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Wilmington are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Wilmington

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


expert-profile

The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.