Cheapest Auto Insurance in Wilmington, North Carolina (2024)

Wilmington drivers can find the cheapest car insurance rates from Midvale Home & Auto. The insurer’s liability-only rates start at just $35 per month.

Taylor Milam-Samuel
Taylor Milam-Samuel
  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

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.

Featured in

media logomedia logomedia logo
Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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.

Featured in

media logo

Updated July 18, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Wilmington, North Carolina

Recent Wilmington, North Carolina car insurance prices for Ford, Dodge, KIA , and more.

*Quotes generated for Insurify users in and around Wilmington, North Carolina within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. 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 July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Wilmington pay an overall average of $81 per month for car insurance. The city’s rates are similar to North Carolina’s monthly average of $79 but less than the national average of $160 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] Due to the influx of temporary vacationers, property crime rates are higher than in other areas in the states, which might explain its higher car insurance costs.

Quick Facts
  • Midvale Home & Auto, Erie, and Nationwide are the cheapest car insurance companies for Wilmington residents.

  • Liability insurance in Wilmington costs an average of $59 per month, and full coverage costs $103 per month.

  • Wilmington drivers pay a yearly average of $1,235 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 other 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 CompanyIQ 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 CoverageLiability OnlyBest For
Erie9.0$63$41Affordability
GEICO9.0$72$47Discounts
Direct Auto7.3$107$53High-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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.8
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.
9.0/10
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.
$42/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.
$65/mo

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 some states

  • Very few discounts

Read more driver reviews of Erie Insurance
Kelly - July 14, 2024
Verified

Fair

They increased the price without any warning.

Holly - July 14, 2024
Verified

I have been with Erie Insurance for over 30 years. During that time, I have recommended Erie to many people. However, recently, I am finding that I am paying much more for my insurance with Erie than what people are paying with competitors. That's why I'm starting to research other companies and coverage.

I have been with Erie Insurance for over 30 years. During that time, I have recommended Erie to many people. However, recently, I am finding that I am paying much more for my insurance with Erie than what people are paying with competitors. That's why I'm starting to research other companies and coverage.

Glenda - July 13, 2024
Verified

Expensive

Find a cheaper insurance.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
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.
9.0/10
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.
$48/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

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, indicating excellent financial strength.

Pros
  • Offers affordable rates

  • Extensive list of discounts

Cons
Read more driver reviews of GEICO
Joanne - July 18, 2024
Verified

Poor

Geico's rates are way too high.

Lenroy - July 18, 2024
Verified

Thanks

It's a good insurance company, but I'm glad there are other options. Everyone is looking to save money these days.

James - July 18, 2024
Verified

A Little Too Expensive

So-so.

Best insurer for high-risk drivers: Direct Auto

Compare personalized, real-time quotes
User Reviews
2.4
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.
$54/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.
$110/mo

Direct Auto provides coverage to all drivers but specializes in providing coverage for high-risk drivers with violations. 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

Cons
  • High number of complaints on the Better Business Bureau (BBB) website

  • Limited extra coverage options

Read more driver reviews of Direct Auto
Rocky - July 18, 2024
Verified

Poor Billing Practices

I have auto-payment set up, but it gets cancelled every month and my payment increases.

Linnie - July 16, 2024
Verified

Unsatisfactory Coverage and Service

The service was poor and terrible. My information was discussed with individuals who were not me. I was uninformed about my policy and couldn't utilize it when needed. The representatives were untruthful and rude. I expected them to be supportive, but they weren't. They didn't fulfill their promises as they claimed.

Robert - July 15, 2024
Verified

Ho hum

It was fine. They insured me, wow.

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. Higher 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 $35 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Wilmington: Midvale Home & Auto

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 $59 per month. The following insurers offer the best liability-only insurance in Wilmington.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Midvale Home & Auto$35
Erie$42
Nationwide$42
GEICO$48
Liberty Mutual$51
Travelers$53
Direct Auto$54
Safeco$54
Dairyland$55
Allstate$57
Progressive$58
National General$66
State Farm$69
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: Erie

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 $103 for full coverage. Here are the best full-coverage car insurance companies in Wilmington.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Erie$65
Nationwide$65
Midvale Home & Auto$71
GEICO$74
Travelers$81
Allstate$88
Progressive$90
State Farm$106
Direct Auto$110
Safeco$117
National General$119
Liberty Mutual$188
Dairyland$262
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

Recent Wilmington, North Carolina car insurance prices for Honda, Ford, KIA , and more.

*Quotes generated for Insurify users in and around Wilmington, North Carolina within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. 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 July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. 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.

North Carolina drivers must have the following coverage amounts:[2]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist coverageEqual 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If there’s damage to your vehicle due to something other than a collision, comprehensive insurance covers repair costs.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage helps pay for vehicle repairs if you hit another vehicle or object.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    Personal injury protection (PIP) coverage helps cover the cost of medical care if you sustain injuries due to an accident.

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. 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.

Shop for Car Insurance in Wilmington, NC

Find coverage after a driving incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket

If you get a speeding ticket, your car insurance costs will likely increase. 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 $92 per month for liability coverage and $161 per month for full coverage. The table below shows how 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Midvale Home & Auto$35$50
Erie$42$59
Nationwide$42$58
GEICO$48$66
Liberty Mutual$51$76
Travelers$53$73
Direct Auto$54$74
Safeco$54$75
Dairyland$55$76
Allstate$57$78
Progressive$58$80
National General$66$90
State Farm$69$94
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 $96 per month. The following insurance companies offer the best rates in the city for drivers with this incident.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Midvale Home & Auto$35$53
Erie$42$61
Nationwide$42$61
GEICO$48$69
Liberty Mutual$51$79
Travelers$53$77
Direct Auto$54$79
Safeco$54$76
Dairyland$55$79
Allstate$57$82
Progressive$58$85
National General$66$96
State Farm$69$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 a DUI

In North Carolina, insurance costs can increase by 340% after a DUI. Depending on the circumstances of the offense, you can also face non-renewal of your insurance policy.[4] If you need car insurance after a DUI, try working with an insurer specializing in high-risk coverage.

Wilmington drivers with a DUI pay an average of $109 per month for minimum coverage. The average increases to $190 per month for full coverage. Here are the best options for drivers with a DUI in Wilmington.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Midvale Home & Auto$35$62
Erie$42$74
Nationwide$42$74
GEICO$48$85
Liberty Mutual$51$90
Travelers$53$94
Direct Auto$54$95
Safeco$54$95
Dairyland$55$97
Allstate$57$101
Progressive$58$102
National General$66$116
State Farm$69$122
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 throughout adulthood as drivers gain experience. But costs increase again around age 70 due to declining eyesight and other safety concerns.

Liability insurance for senior drivers in Wilmington costs $49 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Erie$49$31
Nationwide$49$31
Midvale Home & Auto$54$27
GEICO$59$38
Travelers$64$42
Progressive$65$42
Allstate$71$46
State Farm$82$54
Direct Auto$85$42
National General$93$52
Safeco$96$44
Liberty Mutual$152$41
Dairyland$209$44
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, teenage drivers pay higher rates for car insurance than any other age group. Teen drivers in Wilmington pay monthly averages of $95 for liability coverage and $165 for full coverage.

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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Erie$103$67
Nationwide$105$68
GEICO$110$71
Midvale Home & Auto$116$57
Travelers$138$90
Allstate$146$95
Progressive$154$99
State Farm$170$111
Direct Auto$190$93
National General$218$121
Safeco$231$107
Liberty Mutual$328$89
Dairyland$412$87
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.

Compare Car Insurance Rates in Wilmington

Insurify partners with 100+ top insurers to show the most real-time quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $81 per month for car insurance, slightly less than the national average of $160 and similar to the state average of $79.

Thanks to its proximity to the ocean, 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.

CityFull CoverageLiability Only
Asheville$75$45
Chapel Hill$95$45
Charlotte$133$74
Durham$102$55
Fayetteville$119$69
Greensboro$97$64
Greenville$105$62
High Point$100$62
Jacksonville$97$59
Raleigh$104$61
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 $103 per month for full coverage and $59 for liability-only insurance. But your exact premium will depend on factors like your location, driving record, age, gender, and even your credit history.

  • Which company has the cheapest car insurance in Wilmington?

    Midvale Home & Auto offers the cheapest car insurance rates in Wilmington, starting at $35 per month for liability-only coverage. Wilmington drivers can also find cheap rates from Erie and Nationwide, which have monthly liability rates as low as $42 and $42, 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 DUIs.

  • How much is car insurance per month in NC?

    Car insurance in North Carolina costs an average of $79 per month. Drivers pay a monthly average of $56 for liability coverage and $101 for full coverage.

  • What is the minimum car insurance in NC?

    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.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Neighborhood Scout. "Wilmington, NC."
  2. North Carolina Department of Motor Vehicles. "Insurance Requirements."
  3. North Carolina Department of Insurance. "Safe Driver Incentive Plan."
  4. North Carolina Department of Insurance. "A Consumer's Guide to Automobile Insurance."
  5. Neighborhood Scout. "Wilmington, NC - Real Estate & Demographic Data."
Taylor Milam-Samuel
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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.

Featured in

media logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all