Cheap Auto Insurance Quotes in Wilmington, NC (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$50
$58
$75
$109
$120
ProgressiveGEICOTravelersNationwideAmerican Family
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$88
$96
$93
$88
$68
$93
North CarolinaCharlotteRaleighGreensboroDurhamWilmington
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Wilmington, NC Driving Facts

north-carolina

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

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.

Driving History
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.

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.

Find local Wilmington agents

George Chadwick Insurance
3301 Wrightsville Ave, Wilmington, NC 28403
Sheally Insurance Group
34 Covil Ave, Wilmington, NC 28403
James E. Moore Insurance Agency, Inc.
1508 Military Cutoff Rd, Wilmington, NC 28403-5730
Heinberg Insurance
720 Market Street, Wilmington, NC 28401
Coastal Shield Insurance
1601 S College Rd #207, Wilmington, NC 28403
Nationwide Insurance: Owens Insurance Agency & Financial Services, Inc.
5704 Oleander Dr Ste 101, Wilmington, NC 28403
Able Auto & Cycle Insurance
4008 Oleander Dr, Wilmington, NC 28403
Atlantic Coast Insurance Agency 
29 S Kerr Ave, Wilmington, NC 28403
Able Auto & Cycle Insurance
1929 Carolina Beach Rd, Wilmington, NC 28401
Direct Auto Insurance
4210 Oleander Dr, Wilmington, NC 28403

Insurify Insights: How Wilmington Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Wilmington, NC
suspended licenses
#38
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Wilmington drivers measure up to their fellow North Carolina motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Wilmington

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Wilmington drivers rank 12 in the number of car accidents per driver across all cities in North Carolina.

  • Rank within state: #12
  • Percent of drivers in Wilmington with an accident: 11.99%
  • Drivers in Wilmington, NC with an accident in their driving history paid on average 3.77% more than drivers with a clean record

Speeding Wilmington

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Carolina, Wilmington drivers rank 21 in the number of speeding infractions per driver.

  • Rank within state: #21
  • Percent of drivers in Wilmington with a speeding ticket: 10.11%
  • Drivers in Wilmington, NC with a speeding ticket in their driving history paid on average 23.58% more than drivers with a clean record

DUI/DWIs Wilmington

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Wilmington drivers rank 2 in the number of DUI’s per driver across all cities in North Carolina.

  • Rank within state: #2
  • Percent of drivers in Wilmington with a DUI: 3.47%
  • Drivers in Wilmington, NC with a DUI in their driving history paid on average 20.75% more than drivers with a clean record

Rude Wilmington

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in North Carolina, Wilmington drivers rank 6 in rude driving infractions.

  • Rank within state: #6
  • Percent of drivers in Wilmington with a reckless driving violation: 1.98%
  • Drivers in Wilmington, NC with a reckless driving violation in their driving history paid on average 16.98% more than drivers with a clean record.

Safest Drivers Wilmington

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Wilmington drivers rank 9 in clean driving records across all cities in North Carolina.

  • Rank within state: #9
  • Percent of drivers in Wilmington with clean record: 77.5%

Failure to Yield the Right of Way Wilmington

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Wilmington drivers rank 3 in failure to yield violations per driver across all cities in North Carolina.

  • Rank within state: #3
  • Percent of drivers in Wilmington with a failure to yield violation: 0.5%
  • Drivers in Wilmington, NC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Wilmington

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in North Carolina, Wilmington drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Wilmington with a reckless driving offense: 0.3%

Most Popular Vehicle Wilmington

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Wilmington is the Honda Civic.


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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.