Cheap Auto Insurance Quotes in Wilmington, NC (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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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Cheapest Car Insurance in Wilmington, NC

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.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Wilmington. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Wilmington, NC Driving Facts

Minimum Car Insurance Requirements in NC

All motor vehicles operated or parked on North Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Carolina are as follows:

  • $30,000 per person / $60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by North Carolina law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of North Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured or underinsured motorist coverage is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.

  • $30,000 per person / $60,000 per accident for Bodily Injury Coverage if injured by an uninsured/underinsured driver
  • $25,000 for Property Damage caused by an uninsured/underinsured driver
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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.

Driver's AgeAvg. Monthly Cost
teens$159
20s$120
30s$98
40s$152
50s$91
60s$99
70s$76
80s$111
Driving HistoryAvg. Monthly Cost
No Violation$114
Speeding Ticket$111
At-Fault Accident$114
Failure to Stop for Red Light / Stop Sign$124

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.

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.

Credit TieAvg. Monthly Cost
Excellent$120
Good$92
Average$113
Poor$133

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Wilmington stacks up for the state of North Carolina:

ford
Ford F-Series Pickup
Most Popular Car in
Wilmington, NC
suspended licenses
#29
Cities with Most
Suspended Licenses Rank

FAQs - Wilmington, NC Car Insurance

Why is car insurance so expensive in Wilmington?

North Carolina exceeds the national average deaths per 100 million miles driven, and the cost of repairs has continued to increase in North Carolina. Insurers try to match the premium with the level of risk.

How can I get the cheapest car insurance in Wilmington?

Buy state minimum coverage, and you're on your way to the lowest rate. It's the least amount of insurance North Carolina allows. If you've financed your car, you may need comprehensive and collision coverage. In that case, to lower your bill, raise your deductibles to the most you can afford out of pocket if an accident happens.

Who offers the cheapest car insurance in Wilmington?

Car insurance rates differ by city, company, and driver. If you're looking for prices customized to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and get the coverage you deserve and a rate you can afford.