Compare the Cheapest Car Insurance Quotes in Wilmington, DE

Wilmington drivers pay an average of $1,483 per year for car insurance, which is equal to the statewide average cost in Delaware. The most affordable insurer that is also widely available is State Farm, with an average cost of $1,229 per year. To help you find quality coverage at the lowest rates, MoneyGeek analyzed the cheapest insurance providers in Wilmington by coverage amount and driving history. By using MoneyGeek’s recommendations, you can secure the lowest rate for your profile.

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Last Updated: 5/16/2022
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The cheapest car insurance for you depends on your elected coverage and personal profile. In Wilmington, on average, State Farm is the cheapest company and the most affordable with a speeding ticket or for a state minimum policy. For military families, USAA is the best option. MoneyGeek rated GEICO as the best company for balancing affordability and customer service.

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The Cheapest and Best Car Insurance in Wilmington

The Cheapest Car Insurance Companies in Wilmington

On average, the cheapest auto insurance companies in Wilmington for a full coverage policy are:

  • State Farm: $1,229 per year
  • GEICO: $1,331 per year

For drivers with a military background, USAA is the cheapest option in the city, with an average cost of $641 per year.

State Farm offers an inexpensive full coverage policy in Wilmington, averaging $661 less than Allstate, the most expensive company in the city, with an average annual cost of $1,890.

A full coverage policy includes comprehensive and collision insurance, and its price depends on the amount of liability coverage you buy.

Cheapest Car Insurance in Wilmington
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $641
  • 2.
    State Farm
    $1,229
  • 3.
    GEICO
    $1,331
  • 4.
    Travelers
    $1,353
  • 5.
    Nationwide
    $1,364
  • 6.
    Progressive
    $1,438
  • 7.
    MetLife
    $1,776
  • 8.
    Allstate
    $1,890

MoneyGeek collected average rates for a 40-year-old male driver in Wilmington with a full coverage policy, as defined in our methodology.

A full coverage policy costs more than a minimum coverage policy; however, it’s more valuable as it includes liability and comprehensive and collision insurance, which cover the cost of damage to your car.

  • Comprehensive insurance: covers your car when damaged in an incident or if stolen.
  • Collision insurance: pays for the repair of your car in case of an at-fault accident.

For an older car, the price of a full coverage policy may be more than the car’s value, so minimum coverage may be better.

Compare Car Insurance Rates in Wilmington

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

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Insurance Rates

Cheapest Car Insurance in Wilmington for Minimum Coverage

In Wilmington and elsewhere, the cost of your car insurance depends on several factors, including the amount of coverage you buy. For instance, a liability-only policy costs an average of $913 per year, roughly $569 less than a full coverage policy, which goes for $1,483 per year.

Cheapest Minimum Liability Car Insurance in Wilmington
State Minimum

While a minimum coverage policy is the cheapest option in Delaware, it only includes 25/50/10 in liability limits and uninsured motorist coverage and PIP of 15/30. It may help you save on your monthly bill, but in an accident, you may pay more out of pocket.

For example, your at-fault accident causes medical bills of $80,000. The insurance only pays up to $50,000. You would have to cover the rest of the cost yourself.

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.

Cheapest Car Insurance in Wilmington if You Have Driving Violations

With driving violations like a DUI, speeding ticket or at-fault accident, you pay a higher car insurance premium. On average, the cheapest companies in Wilmington, depending on the type of violation, are:

  • Cheapest after a speeding ticket: State Farm, $1,351 per year
  • Cheapest after a DUI: State Farm, $1,351 per year
  • Cheapest after an at-fault accident: Travelers, $1,353 per year

For active military or veterans with a speeding ticket, DUI or at-fault accident, USAA averages the cheapest rates.

Wilmington drivers with a bad driving record can improve it, with time, to get cheaper car insurance. For now, compare quotes to buy a policy that offers you the best deal.

Cheapest Car Insurance in Wilmington With a Violation
Speeding Ticket

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.

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.

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Insurance Rates

The Best Car Insurance Companies in Wilmington

If you want a car insurance company in Wilmington that balances quality service with affordability, MoneyGeek’s scoring system can help you land the best deal. Based on these ratings, the best car insurance providers in the city are:

  • GEICO: MoneyGeek score of 93 out of 100
  • Hartford: MoneyGeek score of 88 out of 100

USAA received the highest score in Wilmington by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not best overall. If eligible, USAA is an excellent choice.

The approach used by MoneyGeek incorporated financial stability, affordability and user satisfaction scores from J.D. Power, among other factors.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
Hartford
Score:87.5

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
Travelers
Score:85

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:77.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

9
CSAA
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

10
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Plymouth Rock Assurance
Score:72.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

12
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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

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.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.