Cheapest Auto Insurance in Wilmington, North Carolina (2025)
Wilmington drivers can find the cheapest car insurance rates from Nationwide. The insurer’s liability-only rates start at just $44 per month.
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Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Drivers in Wilmington pay an overall average of $78 per month for car insurance. The city’s rates are similar to North Carolina’s monthly average of $75 but less than the national average of $150 per month.
A midsize coastal city in North Carolina, Wilmington is a college town and travel destination. With a population of more than 117,000, it’s the eighth-largest city in the state.[1] Wilmington's higher car insurance costs are likely due to its average vehicle crime rate and severe weather risk from its coastal location.
Quick Facts
Nationwide, Erie, and GEICO are the cheapest car insurance companies for Wilmington residents.
Liability insurance in Wilmington costs an average of $57 per month, and full coverage costs $98 per month.
Wilmington drivers pay a yearly average of $1,174 for full-coverage car insurance.
3 of the cheapest car insurance companies in Wilmington
Car insurance costs vary based on your driving record, credit history, location, and numerous other rating factors. Every insurer weighs these categories differently, meaning the cheapest option can vary from one driver to the next.
Drivers in Wilmington can find the best rates from Erie, Direct Auto, and GEICO. Coverage from other large national insurers, like State Farm and Progressive, is also available but tends to cost more.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Erie | 9.0 | $63 | $42 | Affordability |
| GEICO | 9.0 | $72 | $48 | Discounts |
| Direct Auto | 7.3 | $97 | $59 | High-risk drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordability: Erie
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $64/mo |
4.0
Best choiceBased on 310 verified guest reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (164)
John
April 13, 2025
Verified Review
Happy with Erie Insurance
Erie Insurance has been great to me. It even covers me when I'm driving someone else's car, and it costs less (at least $10 less per month).
Karen W
April 12, 2025
Verified Review
Review of Erie Insurance and Their Reasonable Fees
I am disappointed as I have been with Erie Insurance for many years without any claims. Last August, we were the victims of a hit and run (not our fault) and 'keying' of the car. Erie stated they had to file two claims even though the damage occurred simultaneously. They did repair my car. However, as a result, they increased my insurance payment by more than $100.00 per month because I had a claim! I believe this is unfair treatment. My monthly payment is now too high for my income/budget. Consequently, I am comparing auto insurance fees. I am still in search of more reasonable insurance fees/rates with reliable service.
Neal
April 12, 2025
Verified Review
Erie Insurance
They provide good coverage, but it's costly and they won't work with you on payments.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Erie offers the cheapest rates for drivers in Wilmington. Drivers with a comprehensive policy receive complimentary glass repair, locksmith service, and coverage for personal items. Wilmington drivers can also take advantage of the company’s YourTurn telematics program, which tracks driving habits and rewards safe behavior through a mobile app.
Pros
Standardizes coverage that usually costs extra
Diminishing deductible each year
Cons
Only available in 12 states and Washington, D.C.
Must work with an agent to buy a policy
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $74/mo |
4.0
Best choiceBased on 11,386 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,230)
Mel
April 14, 2025
Verified Review
Ratings
So far, so good.
Johnny
April 14, 2025
Verified Review
No Communication
Very poor customer service. They are not open with their customers. No explanations. I would never apply to Geico again or recommend them!
James
April 14, 2025
Verified Review
Unsatisfactory experience with GEICO
They raised my rates without any prior notification or explanation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers extensive discounts, and drivers can bundle multiple insurance policies, including home, business, and renters insurance, to further reduce coverage costs. It earned an A++ (Superior) financial strength rating from AM Best, the highest level possible.
Pros
Offers affordable rates
Extensive list of discounts
Cons
Gap insurance not available
Doesn’t offer new-car replacement
Best insurer for high-risk drivers: Direct Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
Reviews (337)
Richard
April 14, 2025
Verified Review
Poor
They are raising their prices.
Debra
April 13, 2025
Verified Review
High Cost
The cost is too high.
Maria
April 13, 2025
Verified Review
Too Expensive
The rates are too high and they do not notify you when prices increase.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Direct Auto provides coverage to all drivers but specializes in providing coverage for high-risk drivers with violations, including speeding tickets, at-fault accidents, and DWIs. Budget-conscious drivers can qualify for various discounts, and the company allows drivers to choose their payment due date. But customer complaints are higher than average, and drivers with clean records can usually find better coverage elsewhere.
Pros
Coverage for high-risk drivers
Some of the cheapest rates in Wilmington
Cons
Higher-than-average number of complaints with the National Association of Insurance Commissioners
Limited extra coverage options
How to get the cheapest car insurance in Wilmington
Car insurance companies determine rates based on driver characteristics, including age, driving record, credit history, vehicle type, and location. Even though you can’t control some of those factors, you can still take steps to lower costs.
Here’s how to find cheap car insurance in Wilmington:
Ask about discounts. Most insurers offer various discounts that help reduce coverage costs. You might, for example, qualify for a good driver discount, loyalty discount, or mature driver discount. Ask insurance companies about qualification requirements as you shop for quotes.
Bundle your home and auto insurance. If you bundle your car insurance with homeowners, renters, or even life insurance, you could land a discount on your coverage.
Compare quotes. You can find the best rate when comparing quotes from multiple insurers. Knowing whether you’re getting a good deal is easier if you have numerous quotes.
Increase your deductible. The deductible is the amount you’re responsible for paying when you file a claim under your policy's collision or comprehensive coverages. Higher collision and comprehensive deductibles equate to lower premiums, which can lower costs for car insurance. It’s essential to ensure you can still afford your deductible, though.
Keep a clean driving record. Drivers with clean driving records pay the lowest premiums. Do your best to drive safely and avoid traffic violations.
Find Cheap Car Insurance in Wilmington, NC
Liability rates start at $44 per month
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Cheapest liability-only car insurance in Wilmington: Nationwide
Liability car insurance meets North Carolina’s mandated insurance requirements. The policy covers the cost of vehicle repairs and medical expenses for the other driver and their passengers when you cause an accident. But it doesn’t pay for your own expenses.
Liability insurance in Wilmington costs an average of $57 per month. The following insurers offer the best liability-only insurance in Wilmington.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $44 |
| Erie | $44 |
| GEICO | $50 |
| Travelers | $55 |
| Allstate | $59 |
| Dairyland | $60 |
| Progressive | $60 |
| Direct Auto | $61 |
| Safeco | $62 |
| National General | $67 |
| Liberty Mutual | $71 |
| State Farm | $72 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Wilmington: Nationwide
Full-coverage car insurance typically includes liability, comprehensive, and collision coverages. If you cause an accident, it helps pay for vehicle repairs for you and the other driver. It also provides coverage for theft and most natural disasters.
Wilmington drivers pay a monthly average of $98 for full coverage. Here are the best full-coverage car insurance companies in Wilmington.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $64 |
| Erie | $64 |
| GEICO | $74 |
| Travelers | $82 |
| Allstate | $88 |
| Progressive | $89 |
| Direct Auto | $101 |
| State Farm | $106 |
| National General | $106 |
| Safeco | $118 |
| Liberty Mutual | $191 |
| Dairyland | $212 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Wilmington, North Carolina
Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $61/mo for full coverage in Wilmington and other North Carolina cities.
*Quotes generated for Insurify users in and around Wilmington, North Carolina within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. 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 April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in North Carolina
Drivers in North Carolina must have liability insurance, including bodily injury and property damage coverage, as well as uninsured motorist coverage in the same amounts. Drivers must also be able to show proof of insurance.
The specific coverage limits required in the state increase on July 1, 2025. The table below reflects the change in requirements:[2]
Coverage | Current Coverage Limits | Coverage Limits as of July 1, 2025 |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | $50,000 per person / $100,000 per accident |
| Property damage liability | $25,000 per accident | $50,000 per accident |
| Uninsured motorist coverage | Equal to a policy’s bodily injury liability limits but no higher than $1 million | Equal to a policy’s bodily injury liability limits but no higher than $1 million |
Drivers can also add extra coverage if they want more thorough protection. Here are some policies you may want to consider:
Comprehensive coverage
If there’s damage to your vehicle due to something other than a collision, comprehensive insurance covers repair costs. Comprehensive covers vehicle theft, vandalism, fire, weather hazards, and falling objects.
Collision coverage
Collision coverage helps pay for vehicle repairs if you hit another vehicle or stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
Accident forgiveness
Accident forgiveness coverage helps ensure your rates won't increase following your first at-fault accident. You generally need to have at least three years worth of a clean driving record to qualify to buy this coverage.
Gap insurance
If your financed or leased vehicle gets totaled, you'll still be financially responsible for the balance of your auto loan or lease. Gap coverage can help pay off your remaining balance following an accident that totals your car.
North Carolina’s Safe Driver Incentive Plan
North Carolina’s Safe Driver Incentive Plan (SDIP) creates a point system for reckless driving that correlates to insurance premium increases. Points are assigned to violations, equating to a percentage increase in insurance premiums.[3]
For example, drivers are given four points for passing a stopped school bus, and insurance premiums increase by 90%. An at-fault accident is worth one point and causes premiums to increase by 40%. The program aims to discourage unsafe driving and incentivize drivers to follow traffic laws.
Cheapest car insurance for drivers with an incident
Your driving record affects how much you pay for car insurance. Drivers with incidents like driving under the influence violations, speeding tickets, and at-fault accidents pay more for coverage in the form of premium surcharges. Insurers charge more because incidents signify drivers are more likely to file a claim, which costs insurers money.
Even though car insurance rates typically increase after an incident, some insurers still offer affordable coverage. You’ll likely need to shop around and compare quotes from various companies to find these cheap rates. Here’s what you need to know about car insurance coverage with an incident in Wilmington.
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Cheapest car insurance for drivers with a speeding ticket
If you get a speeding ticket, your car insurance costs will likely increase for three to five years. Insurers view speeding tickets as unsafe driving indicators, and because you’re more likely to cost insurers more money, they increase your rates.
Drivers in Wilmington with a speeding ticket pay an average of $90 per month for liability coverage and $155 per month for full coverage. The table below shows how liability car insurance rates for drivers with a clean record compare to rates for drivers with a speeding ticket.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Nationwide | $44 | $62 |
| Erie | $44 | $64 |
| GEICO | $50 | $70 |
| Travelers | $55 | $77 |
| Allstate | $59 | $82 |
| Dairyland | $60 | $83 |
| Progressive | $60 | $84 |
| Direct Auto | $61 | $86 |
| Safeco | $62 | $88 |
| National General | $67 | $93 |
| Liberty Mutual | $71 | $105 |
| State Farm | $72 | $99 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
If you hit another vehicle and cause an accident, it’s considered an at-fault accident. The violation signifies reckless driving habits and a higher likelihood of future claims. As a result, your insurer will typically raise your insurance rates.
Liability insurance for Wilmington drivers with an accident costs an average of $94 per month. The following insurance companies offer the best liability-only rates in the city for drivers with this incident.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Nationwide | $44 | $64 |
| Erie | $44 | $66 |
| GEICO | $50 | $73 |
| Travelers | $55 | $81 |
| Allstate | $59 | $86 |
| Dairyland | $60 | $87 |
| Progressive | $60 | $89 |
| Direct Auto | $61 | $91 |
| Safeco | $62 | $93 |
| National General | $67 | $96 |
| Liberty Mutual | $71 | $109 |
| State Farm | $72 | $104 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DWI
In North Carolina, insurance costs can increase by 340% after a DWI. Depending on the circumstances of the offense, you can also face a mid-term policy cancellation or non-renewal at the end of your current policy term.[4] If you need car insurance after a DWI, try working with an insurer specializing in high-risk coverage.
Wilmington drivers with a DWI pay an average of $104 per month for minimum coverage. The average increases to $178 per month for full coverage. Here are the best liability insurance options for drivers with a DWI in Wilmington.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Nationwide | $44 | $76 |
| Erie | $44 | $76 |
| GEICO | $50 | $86 |
| Travelers | $55 | $94 |
| Allstate | $59 | $101 |
| Dairyland | $60 | $103 |
| Progressive | $60 | $103 |
| Direct Auto | $61 | $105 |
| Safeco | $62 | $105 |
| National General | $67 | $115 |
| Liberty Mutual | $71 | $122 |
| State Farm | $72 | $124 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Your age affects how much you pay for car insurance, with rates decreasing steadily starting around age 25 as drivers gain experience. But costs increase slight around age 70 due to an increased accident risk.
Liability insurance for senior drivers in Wilmington costs $47 per month, on average. The following insurers offer the cheapest car insurance for seniors in Wilmington.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Nationwide | $48 | $33 |
| Erie | $50 | $34 |
| GEICO | $59 | $40 |
| Progressive | $64 | $43 |
| Travelers | $64 | $43 |
| Allstate | $70 | $47 |
| Direct Auto | $78 | $47 |
| National General | $80 | $51 |
| State Farm | $82 | $56 |
| Safeco | $101 | $53 |
| Liberty Mutual | $158 | $59 |
| Dairyland | $170 | $48 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Due to reckless driving and inexperience that leads to high accident rates, teenage drivers pay higher rates for car insurance than any other age group. Teen drivers in Wilmington with their own insurance policies pay monthly averages of $101 for liability coverage and $173 for full coverage. Minor teens can't buy their own policy without written approval from a parent or guardian.
Parents of teen drivers should prepare for increased costs, but you can take steps to get the best deal.
If your teenager only drives a car occasionally, let your insurer know since it might lead to lower rates. Similarly, ask about good student discounts and encourage your teen to stay on your policy as long as possible.
Below are the best insurance options with the lowest quotes for teen drivers in Wilmington.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Erie | $113 | $77 |
| Nationwide | $118 | $81 |
| GEICO | $125 | $84 |
| Travelers | $154 | $104 |
| Progressive | $160 | $108 |
| Allstate | $165 | $111 |
| State Farm | $191 | $130 |
| Direct Auto | $192 | $116 |
| National General | $211 | $134 |
| Safeco | $236 | $124 |
| Liberty Mutual | $334 | $124 |
| Dairyland | $344 | $97 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Wilmington car insurance quotes by credit tier
Insurance companies in North Carolina can use credit history when determining car insurance rates. Insurers consider drivers with bad credit to be more likely to file claims and, as a result, charge them more for coverage than drivers with excellent or good credit.[4]
Here’s how much Wilmington drivers pay, on average, based on their credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Wilmington?
Wilmington drivers pay an overall average of $78 per month for car insurance, slightly less than the national average of $150 and similar to the state average of $75.
Thanks to its proximity to the Atlantic Ocean and exposure to tropical cyclones, Wilmington boasts some of the most expensive real estate in North Carolina, and auto insurance costs follow suit.[5] Drivers in Wilmington pay more than drivers in nearby cities like Greenville.
More cities in North Carolina
See how car insurance rates in Wilmington compare to some other North Carolina cities in the table below.
City | Full Coverage | Liability Only |
|---|---|---|
| Asheville | $76 | $47 |
| Chapel Hill | $78 | $46 |
| Charlotte | $118 | $73 |
| Durham | $95 | $57 |
| Fayetteville | $106 | $68 |
| Greensboro | $94 | $62 |
| Greenville | $92 | $63 |
| High Point | $92 | $62 |
| Jacksonville | $85 | $57 |
| Raleigh | $96 | $62 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Wilmington car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Wilmington.
How much is car insurance in Wilmington?
On average, car insurance in Wilmington costs $98 per month for full coverage and $57 for liability-only insurance. But your exact premium will depend on numerous rating factors like your location, driving record, age, gender, and even your credit history.
Which company has the cheapest car insurance in Wilmington?
Nationwide offers the cheapest car insurance rates in Wilmington, starting at $44 per month for liability-only coverage. Wilmington drivers can also find cheap rates from Erie and GEICO, which have monthly liability rates as low as $44 and $50, respectively.
What are the best car insurance companies in Wilmington?
Many reliable insurers offer coverage in Wilmington, but Erie, Direct Auto, and GEICO stand out as the best car insurance companies. Erie and GEICO both have Insurify Quality Scores above 4 (out of 5) and strong ratings from AM Best and J.D. Power. Direct Auto is the best option for high-risk Wilmington drivers, offering affordable policies to drivers with DWIs.
How much is car insurance per month in NC?
Car insurance in North Carolina costs an average of $75 per month. Drivers pay a monthly average of $58 for liability coverage and $93 for full coverage.
What is the minimum car insurance in NC?
In 2024, North Carolina drivers must carry $30,000 per person and $60,000 per accident in bodily injury liability coverage, along with $25,000 per accident in property damage liability coverage. They must also carry uninsured motorist coverage equal to their policy’s bodily injury liability limits but no greater than $1 million. On July 1, 2025, North Carolina coverage limits will increase to $50,000 per person and $100,000 per accident in bodily injury liability coverage and $50,000 per accident in property damage liability coverage.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Neighborhood Scout. "Wilmington, NC."
- North Carolina Department of Motor Vehicles. "Insurance Requirements."
- North Carolina Department of Insurance. "Safe Driver Incentive Plan."
- North Carolina Department of Insurance. "A Consumer's Guide to Automobile Insurance."
- Neighborhood Scout. "Wilmington, NC - Real Estate & Demographic Data."
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Taylor Milam-Samuel
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Taylor has been a contributor at Insurify since February 2023.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.