120+ more*Quotes generated for Insurify users in and around Wilmington, North Carolina within the last 10 days. Last updated on October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Wilmington, North Carolina within the last 10 days. Last updated on October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Rebecca Henderson is a freelance automotive and consumer content writer with more than a decade of experience creating research-driven, SEO-focused content. She specializes in automotive and home services, with additional experience writing about personal finance and pet care. Her work has been featured in USA Today, MarketWatch, This Old House, and Today’s Homeowner. She enjoys taking complicated topics — from car warranties and home repairs to insurance and everyday purchases — and breaking them down into clear, practical information that helps readers make confident decisions. When she’s not writing, Rebecca can usually be found baking something sweet, getting lost in a good book, or exploring new places.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
The average cost of car insurance in Wilmington, North Carolina, is $66 per month for state-minimum liability coverage and $88 for full coverage.
For comparison, drivers in Charlotte, North Carolina’s largest city, pay an average of $81 per month for a liability-only policy. Liability-only auto insurance in Goldsboro costs about $68 per month.
Wilmington drivers commute 19 minutes, on average, compared to the state average of 25 minutes.[1] Lower annual mileage can reduce both accident risk and insurance costs in this North Carolina city. Wilmington also faces a moderate risk of flooding as a coastal city.[2]
Liability quotes start at $47/mo.
Erie offers drivers in Wilmington the cheapest liability-only car insurance, at an average of $47 per month. Liability insurance costs Wilmington drivers $66 per month, on average, compared to the state monthly average of $69.
North Carolina increased its minimum insurance requirements in July 2025 to include the following updated amounts:[3]
Bodily injury liability: $50,000 per person and $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist (UM/UIM): Equal to policy’s bodily injury liability limits
The table below shows the cheapest liability-only car insurance rates in Wilmington.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $47 |
| Progressive | $53 |
| Allstate | $54 |
| GEICO | $55 |
| Direct Auto | $56 |
| Liberty Mutual | $57 |
| National General | $57 |
| Travelers | $58 |
| Safeco | $61 |
| Dairyland | $65 |
| State Farm | $76 |
In Wilmington, Allstate offers the cheapest full-coverage insurance, on average. Citywide, the average cost of a full-coverage insurance policy is $66 per month. For comparison, drivers across North Carolina pay $113, on average.
Full-coverage insurance costs Jacksonville drivers an average of $91 per month, compared to $114 per month for drivers in Fayetteville.
Wilmington drivers may want to purchase full-coverage insurance to protect against vehicle damage or loss during a tropical storm or hurricane. With the Atlantic coast to the east and the Cape Fear River to the west, Wilmington sees its fair share of flooding and snowfall.
The following table lists insurers with the cheapest full-coverage car insurance rates in Wilmington.
Insurance Company | Average Monthly Quote |
|---|---|
| Allstate | $74 |
| Erie | $77 |
| Direct Auto | $80 |
| National General | $81 |
| Progressive | $83 |
| Liberty Mutual | $94 |
| GEICO | $95 |
| Travelers | $97 |
| Safeco | $104 |
| State Farm | $126 |
| Dairyland | $144 |
Drivers in Charlotte pay the highest average car insurance rates in the Tar Heel State, while Asheville drivers pay some of the lowest rates. Car insurance rates in Wilmington are comparable to the state average of $91 per month.
Variations in population size may account for these differences in average insurance rates. Wilmington has roughly 33,000 more residents than Asheville. By comparison, Charlotte’s population of about 965,000 is more than seven times Wilmington’s. A higher concentration of drivers creates additional traffic and can increase insurance rates.
Compare the average total monthly car insurance cost in Wilmington with average rates for other North Carolina cities in the table below.
City | Average Monthly Quote |
|---|---|
| Morrisville | $69 |
| Asheville | $71 |
| Chapel Hill | $72 |
| Burlington | $74 |
| Cary | $77 |
| Jacksonville | $79 |
| Mooresville | $79 |
| Rocky Mount | $79 |
| Durham | $83 |
| Goldsboro | $83 |
| Hickory | $83 |
| Raleigh | $85 |
| Greensboro | $87 |
| Kannapolis | $90 |
| High Point | $93 |
| Greenville | $95 |
| Wilson | $95 |
| Gastonia | $96 |
| Matthews | $96 |
| Fayetteville | $98 |
| Charlotte | $101 |
| Concord | $104 |
*Quotes generated for Insurify users in and around Wilmington, North Carolina within the last 10 days. Last updated on October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Wilmington, North Carolina within the last 10 days. Last updated on October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Here are the cheapest car insurance companies for people in Wilmington with different driving violations:
Cheapest car insurance for Wilmington drivers with a clean driving record: Erie
Cheapest car insurance for drivers with a speeding ticket in Wilmington: Erie
Cheapest car insurance for Wilmington drivers with an at-fault accident: Erie
Cheapest car insurance for drivers with a DWI in Wilmington: Erie
North Carolina is an at-fault state that holds drivers financially responsible for accidents they cause.[4] Of Wilmington’s driving population, 7% have an at-fault accident, 4% have a speeding ticket, and 1% have a driving while impaired (DWI) conviction on their driving record, according to Insurify data.
Wilmington’s police department actively enforces speed limits and DWI laws.[5] A driver’s first DWI conviction results in a mandatory one-year license revocation and completion of an education or treatment program.[6] North Carolina also requires a substance abuse assessment (instead of an SR-22 certificate) to reinstate a driver’s license after a DWI conviction.[7]
High-risk drivers in Wilmington will likely pay higher rates than people with clean driving records.
The following table shows average monthly quotes for Wilmington drivers with different incidents.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $77 |
| Speeding ticket | $101 |
| At-fault accident | $107 |
| DWI | $194 |
Drivers in Wilmington should keep the following driving factors in mind:
Severe weather risks: Wilmington faces a moderate risk of flooding, with about 17% of properties currently at risk. It’s a good idea to consider adding comprehensive coverage to your policy to cover your vehicle in the event of flooding from riverine overflow, excessive rainfall, or coastal storm surges.
Parking: The City of Wilmington manages six parking garages, two parking lots, and 2,600 on-street parking spots. Downtown Wilmington also has several private lots. Pay attention to signage around the city to avoid a ticket or having your car towed.
Exercise caution during peak tourist seasons: Nearby Carolina Beach, Kure Beach, and Wrightsville Beach draw visitors to the Wilmington area in warmer weather, increasing daily traffic. Traffic also fluctuates when events occur in the area, including the North Carolina Azalea Festival, Wilmington Riverfest, and North Carolina Jazz Festival.
Several highways run through Wilmington, including U.S. routes 17, 74/76, 117, and 421. In northern Wilmington, southbound Interstate 40 becomes U.S. Route 117.
Only four miles separate the Wilmington International Airport from the Wilmington Convention Center, and traffic from business conferences, trade shows, and seasonal traffic adds to normal congestion.
College students attending Cape Fear Community College, the Aveda Institute Wilmington, and the University of North Carolina Wilmington increase traffic every fall.
The average driver in Wilmington spends 28 hours in traffic annually, according to data from TRIP, a national transportation research nonprofit.[8] That said, Wilmington drivers have a relatively manageable daily commute of just 19 minutes. Shorter commute times help reduce the risk of accidents, which can result in lower average premiums.
North Carolina allows teenagers to earn their learner’s permit at age 15 and driver’s license at age 16. Liability-only car insurance for teen drivers in Wilmington averages $119 per month.
Teen drivers typically pay more for coverage due to less driving experience and higher accident risk. In 2025, Wilmington teens were in 1,052 collisions, including four fatal accidents, according to the North Carolina Department of Transportation.[9]
North Carolina insurance laws allow companies to impose premium surcharges on drivers with fewer than eight years of driving experience. Before July 2025, upcharges for new drivers only applied to the first three years.[10]
The following table lists the insurers with the cheapest car insurance rates for teen drivers in Wilmington.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $85 |
| Progressive | $96 |
| Allstate | $98 |
| GEICO | $99 |
| Liberty Mutual | $99 |
| Direct Auto | $108 |
| Dairyland | $111 |
| National General | $112 |
| Travelers | $119 |
| Safeco | $124 |
| State Farm | $145 |
Insurify partners with 120+ auto insurers for real quotes
Erie offers senior drivers in Wilmington the lowest rate for liability-only car insurance. Wilmington drivers aged 60 and older pay an average of $66 per month for liability insurance.
About 18% of Wilmington’s population is 65 or older, which is just 1% lower than North Carolina’s 65-and-older population.
Use the table below to compare the cheapest liability car insurance quotes for senior drivers living in Wilmington.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $37 |
| GEICO | $44 |
| National General | $45 |
| Direct Auto | $46 |
| Progressive | $47 |
| Travelers | $47 |
| Liberty Mutual | $48 |
| Allstate | $48 |
| Safeco | $54 |
| Dairyland | $56 |
| State Farm | $60 |
The following information can help you find the best car insurance rates in Wilmington, North Carolina.
Car insurance in Wilmington, North Carolina, costs $77 per month, on average. Drivers in Wilmington pay $66 per month for state-minimum coverage and $88 per month for full coverage.
Erie offers Wilmington drivers the lowest auto insurance rates for minimum coverage, at $47 per month, on average. Progressive and Allstate have the second- and third-cheapest liability rates in Wilmington.
Your vehicle, selected coverage, driving history, age, and annual mileage affect car insurance rates in Wilmington. The city’s proximity to the Atlantic Ocean, population density, higher cost of living, and long commute times also affect local insurance rates.
Drivers in Wilmington can earn a discounted rate on car insurance by maintaining a clean driving record, insuring a vehicle with advanced safety features, or going paperless. Local agents can also help you find discounts for setting up auto pay or combining multiple policies, such as homeowners insurance, business insurance, renters insurance, or life insurance.
Minimum liability coverage requirements for North Carolina include $50,000 per person and $100,000 per accident in bodily injury liability, $50,000 in property damage liability, and UM/UIM coverage equal to bodily injury liability amounts.
Driving without insurance in North Carolina is a Class 3 misdemeanor, with a fine of up to $200 and other penalties. Though if you’re buying a new car, your existing insurer may offer a temporary grace period to extend coverage to your new vehicle.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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Rebecca Henderson is a freelance automotive and consumer content writer with more than a decade of experience creating research-driven, SEO-focused content. She specializes in automotive and home services, with additional experience writing about personal finance and pet care. Her work has been featured in USA Today, MarketWatch, This Old House, and Today’s Homeowner. She enjoys taking complicated topics — from car warranties and home repairs to insurance and everyday purchases — and breaking them down into clear, practical information that helps readers make confident decisions. When she’s not writing, Rebecca can usually be found baking something sweet, getting lost in a good book, or exploring new places.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
