Cheap Auto Insurance Quotes in Wilmington, DE (2021)

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Car Insurance in Wilmington, DE

The average cost of Delaware car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Wilmington, DE to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$212
$283
$295
$307
$311
State FarmThe GeneralNationwideTravelersAmerican Family
Monthly $

Cheapest Car Insurance in Wilmington, DE

Here are the cheapest carriers in Wilmington for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$241
$217
$231
$244
$232
$282
DelawareDoverNewarkMiddletownBearWilmington
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Wilmington, DE Driving Facts

delaware

Minimum Car Insurance Requirements in DE

The state of Delaware requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Delaware are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Delaware state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in Delaware are:

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Delaware requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

The minimum personal injury protection (PIP) insurance requirements in Delaware are:

  • $15,000 personal injury protection (PIP) per person
  • $30,000 personal injury protection (PIP) per accident

Delaware is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. Delaware PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The minimum coverage limits Delaware state law requires is $15,000 for a single person expense and $30,000 for the expenses of multiple persons.

Find local Wilmington agents

Allen Insurance Group
410 Delaware Avenue, Wilmington, DE 19801
Ifs Benefits Llc
1523 Concord Pike Ste 301, Wilmington, DE 19803
IOA National Inc
900 Philadelphia Pike, Wilmington, DE 19809-2280
Bellevue Insurance Services Llc
2006 Foulk Rd Ste C, Wilmington, DE 19810
Prominent Insurance Services
1201 N Orange St Ste 700, Wilmington, DE 19801
Weymouth Swayze & Corroon Insurance Inc
5710 Kennett Pike, Wilmington, DE 19807
Dewberry Insurance Agency
5700 Kirkwood Hwy Ste 103, Wilmington, DE 19808
Leaders Insurance Group Llc
1601 E Newport Pike, Wilmington, DE 19804-2528
Business Insurance Serv Inc
109 N Dupont Rd, Wilmington, DE 19807
Kinnamon Taylor & Dawes
1300 N Grant Ave #210, Wilmington, DE 19806-2456

Insurify Insights: How Wilmington Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Wilmington, DE
suspended licenses
#1
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Wilmington drivers measure up to their fellow Delaware motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Wilmington

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Wilmington drivers rank 4 in the number of car accidents per driver across all cities in Delaware.

  • Rank within state: #4
  • Percent of drivers in Wilmington with an accident: 9.33%
  • Drivers in Wilmington, DE with an accident in their driving history paid on average 10.19% more than drivers with a clean record

Speeding Wilmington

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Delaware, Wilmington drivers rank 5 in the number of speeding infractions per driver.

  • Rank within state: #5
  • Percent of drivers in Wilmington with a speeding ticket: 7.07%
  • Drivers in Wilmington, DE with a speeding ticket in their driving history paid on average 20.06% more than drivers with a clean record

DUI/DWIs Wilmington

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Wilmington drivers rank 3 in the number of DUI’s per driver across all cities in Delaware.

  • Rank within state: #3
  • Percent of drivers in Wilmington with a DUI: 1.31%
  • Drivers in Wilmington, DE with a DUI in their driving history paid on average 21.66% more than drivers with a clean record

Most Popular Vehicle Wilmington

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Wilmington is the Honda Accord.

Rude Wilmington

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Delaware, Wilmington drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Wilmington with a reckless driving violation: 1.96%
  • Drivers in Wilmington, DE with a reckless driving violation in their driving history paid on average 11.46% more than drivers with a clean record.

Safest Drivers Wilmington

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Wilmington drivers rank 1 in clean driving records across all cities in Delaware.

  • Rank within state: #1
  • Percent of drivers in Wilmington with clean record: 84.08%

Failure to Yield the Right of Way Wilmington

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Wilmington drivers rank 2 in failure to yield violations per driver across all cities in Delaware.

  • Rank within state: #2
  • Percent of drivers in Wilmington with a failure to yield violation: 0.3%
  • Drivers in Wilmington, DE with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Wilmington

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Delaware, Wilmington drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Wilmington with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Wilmington

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Wilmington drivers rank 5 in hybrid and electric vehicle ownership across all cities in Delaware.

  • Rank within state: #5
  • Percent of drivers in Wilmington with a hybrid/electric vehicle: 0.38%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.