bestauto insuranceWilmingtonCompare the Cheapest Car Insurance Quotes in Wilmington, DE
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Ensure you're getting the best rate. Review quotes from a top insurance company.
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.
bestauto insuranceWilmingtonThe 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
- Company100/300/100per year
- 1.$641
- 2.$1,229
- 3.$1,331
- 4.$1,353
- 5.$1,364
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.
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
- CompanyState Minimumper year
- 1.$355
- 2.$791
- 3.$811
- 4.$820
- 5.$858
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$812
- 2.$1,351
- 3.$1,401
- 4.$1,558
- 5.$1,902
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.
The Best Car Insurance Companies in Wilmington
MoneyGeek analyzed the best car insurance companies in Wilmington by assessing their average premiums plus claims and user satisfaction scores.
From the analysis, the top insurance companies in the city for a full coverage car insurance policy include:
- Travelers: MoneyGeek score of 66 out 0f 100
- State Farm: MoneyGeek score of 63 out of 100
Based on our ranking system, USAA had a perfect score of 100 out of 100 in Wilmington. However, it is not included in our study since its policies are only available to former and current military members and their families.
1
Travelers
Score:66
Car insurance policies from Travelers cost an average of $1,353 per year in Wilmington. The insurer ranked top in affordability and claims but ranked lower in satisfaction. Policyholders can get gap insurance.
More About Travelers
Travelers offers six additional coverage options in Wilmington aside from standard insurance. For example, gap insurance or loan insurance helps protect you against unexpected costs if your car is leased or financed.
Travelers also offers accident forgiveness coverage on its Responsible Driver PlanSM. The coverage prevents your premium from increasing if you get involved in an accident after a specified period.
The insurer’s premier new car replacement coverage provides added protection to policyholders if they total their car within the first five years. The coverage pays the cost of replacing the vehicle with a new car of the same model and make.
Read MoneyGeek's Travelers auto Insurance Review2
State Farm
Score:63
State Farm scored the second-highest on MoneyGeek unique ranking system, tied first on stability and had the second-highest affordability and customer satisfaction scores. The insurer’s policies cost about $1,229 per year in Wilmington, and customers can purchase rideshare insurance.
More About State Farm
State Farm’s rideshare insurance in Wilmington ensures that your personal policy covers medical treatment expenses, emergency roadside assistance and rental car reimbursement charges if you work for a ridesharing company.
The insurer also offers roadside assistance to interested policyholders. This coverage pays for mechanical labor and locksmith labor for up to one hour at the place of your car’s breakdown. It also covers the cost of towing if your car gets stuck on or close to a public road, plus gas, oil and battery delivery.
Policyholders may also buy rental car or travel reimbursement coverage to pay for the cost of renting a car and transportation after an accident.
Read MoneyGeek's State Farm auto Insurance Review3
Nationwide
Score:46
4
GEICO
Score:44
5
Progressive
Score:40
6
MetLife
Score:32
7
Allstate
Score:23
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 CodeState 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.
About Mark Fitzpatrick
