Cheap Auto Insurance Quotes in Wilmington, NC (2023)

More than 123,000 seafood-loving residents call Wilmington home, and driving is the main mode of transportation. When you're always fishing for the next big bass, grouper, or snapper, why not reel in a car insurance deal that's worth bragging rights?

Over 90 percent of Wilmington households own cars. With all the beautiful greenery, it's no wonder people want to put some green back into their wallets when they buy an auto insurance policy in the Tar Heel State.

Car Insurance in Wilmington, NC

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

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• Cheap Car Insurance North Carolina

• Compare Car Insurance

Cheapest Car Insurance in Wilmington, NC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Wilmington, NC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Wilmington. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in North Carolina

Wilmington Car Insurance Rates by Driver Age

Car insurance premiums for teens are higher than for any other motorist in Wilmington. Why? Age is an insurance variable that can move your rates up or down. With age come better judgment and more driving experience. Because less-experienced drivers tend to make more claims, insurance companies make up for this by charging them more. In Wilmo, teens pay $158 per month in car insurance—33 percent more than drivers do in their 20s.

Wilmington Car Insurance Rates by Driving and Accident History

Wilmington drivers can enjoy their best insurance rates by keeping their records clear of any accidents or other driving offenses. Why? Because when you make mistakes, insurance rates increase. While the differences in car insurance rates between the clean-record crowd and those with offenses aren’t drastic, they do add up over time. Conscientious drivers pay just $113 for car insurance monthly. Drivers with a failure-to-stop violation on their record pay $123 for the same coverage.

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• High-risk Car Insurance North Carolina

• DUI Car Insurance North Carolina

Wilmington Car Insurance Rates by Credit Tier

If you’ve ever wondered why car insurance companies ask so many questions, it’s partly to find out how reliable you are. They can determine reliability (and future risk) by considering your credit score. If you manage your money well, you’re likely reliable and less of a driving risk. The less chance of you making a claim, the cheaper your car insurance will be. Premiums for drivers with a good credit score in Wilmington average out to $91 per month.

See More: Bad Credit Car Insurance North Carolina

Find local Wilmington agents

Wilmington, NC DMV Information

Wilmington has at least six locations to serve you. Most are open Monday through Friday from 9 a.m. to 5 p.m. You can find offices at Market Plaza Shopping Center, Wilmington North Driver License Office, South Square Plaza, Hampstead Plaza, and Burgaw Driver License Office.

Public Transportation in Wilmington, NC

Most people in Wilmington drive, and interstates, U.S. routes, and state highways snake through the city. Also, the city provides public transportation. Cape Fear Public Transportation Authority operates buses for passengers under the name Wave Transit. Paratransit is available to eligible riders. If the bus is not your cup of tea, you can choose rideshare services such as Uber or Lyft. Traditional taxis serve the community from companies like Wilmington NC Taxi and Port City Taxi. If you want to see the great outdoors, the Gary Shell Cross-City Trail has a bicycle path to help you explore Wilmington.

For more detailed North Carolina city level guides, check out these below.

• Average Cost of Car Insurance Rates in North Carolina

• DUI Car Insurance Rates in North Carolina

• High-Risk Driver Car Insurance Rates in North Carolina

• North Carolina Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in North Carolina

How to get the best and cheapest car insurance in Wilmington, NC

Wilmingtonians may be the official name, but everyone knows they're really Seahawks. If you bleed teal, navy, and gold, you can cheer just the same when you score an impressive insurance rate. Speaking of gold, try Insurify to find the best rates and compare dozens of insurance quotes in just a few seconds.

North Carolinians drive responsibly, but there's still that 6 percent of drivers who skip insurance. Pick peace of mind and use Insurify to get an auto insurance price that's tastier than your favorite dish at Caprice Bistro.