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 $37 per month.

Danny Smith
Editado porDanny Smith
Photo of an Insurify author
Danny SmithEscritor de seguros
  • Agente de seguros de auto y hogar con licencia

  • Más de 4 años trabajando en creación de contenidos y marketing

Como editor de seguros de hogar y mascotas de Insurify, Danny también se especializa en aseguranzas de carro. Su objetivo es ayudar a los consumidores a navegar el mundo complejo de la compra de seguros.

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Actualizado el 2 de mayo de 2024

Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717

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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

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Las tarifas más baratas encontradas recientemente en North Carolina

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $36/mes para solo responsabilidad y $59/mes para cobertura total en North Carolina.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Drivers in Wilmington pay an overall average of $85 per month for car insurance. The city’s rates are similar to North Carolina’s monthly average of $82 but less than the national average of $159 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.

Datos Breves
  • 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 $110 per month.

  • Wilmington drivers pay a yearly average of $1,317 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Erie4.4$63$41Affordability
GEICO4.2$72$47Discounts
Direct Auto3.3$107$52High-risk drivers
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
  • El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.

    Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

Best insurer for affordability: Erie

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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.
$63/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.

Ventajas
  • Standardizes coverage that usually costs extra

  • Diminishing deductible each year

Contras
  • Only available in some states

  • Very few discounts

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$47/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.
$73/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.

Ventajas
  • Offers affordable rates

  • Extensive list of discounts

Contras
Read our GEICO review
Holly - April 30, 2024
Verified

Long-Time Customer Treated Poorly!

We were with Geico for over 20 years and then had a terrible customer service experience. This wasn't a minor issue or just one agent. The problem involved conversations with multiple agents and supervisors. It's disappointing that after being insured with this company for so long, they showed no interest in resolving an unexpected situation that was actually an honest mistake made by one of their agents. I don't recommend them!

Elizabeth - April 25, 2024
Verified

Excellent

It has always been great.

Andrew - April 24, 2024
Verified

AI-Run, Money-Hungry Company

The customer service is poor and very unprofessional. It's impossible to speak to an agent.

Best insurer for high-risk drivers: Direct Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.3
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 aaa (exceptional) to c (poor).
A
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.
$53/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.
$104/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.

Ventajas
  • Coverage for high-risk drivers

  • Some of the cheapest rates

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

  • Limited extra coverage options

Read our Direct Auto review
Joshua - April 23, 2024
Verified

I would advise against choosing this insurance company because they overcharge. Despite not having any tickets for over 10 years and being almost 40, my insurance is still almost $400 with them. This is outrageous. They offer no discounts to help me, and they don't seem to care or try to help. They've even increased my insurance rate. You would think it would decrease since I've been with them for more than a year and have had no tickets or incidents.

I would advise against choosing this insurance company because they overcharge. Despite not having any tickets for over 10 years and being almost 40, my insurance is still almost $400 with them. This is outrageous. They offer no discounts to help me, and they don't seem to care or try to help. They've even increased my insurance rate. You would think it would decrease since I've been with them for more than a year and have had no tickets or incidents.

Chudney - April 21, 2024
Verified

Find Insurance Elsewhere If You Can

It's not good! It's very expensive for people who can't get insurance anywhere else. The customer service is poor.

Peter - April 18, 2024
Verified

Total Rip-off

I was very disappointed. I went online and requested a quote for full coverage and was given a quote that I felt was reasonable. I paid the requested down payment and was told that my policy was in place. However, I later received a mail stating that my full coverage had been changed to liability without any prior discussion or consultation about what I might want to do. They just changed it. When I contacted them and asked why it was changed, I was told it was because my 2020 Kia Sportage didn’t have the auto theft upgrade. I told them no one ever asked me about it, but if that was necessary, I had no problem getting it done. I made an appointment and within two days, it was done. I called to notify them and was told I would have to pay again to put full coverage back on, even though remember, that's what I paid for in the first place. It made no sense why I would have to pay to put the collision and comprehensive back on. It was a total rip-off.

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 $37 per month

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Basado en más de 3806 reseñas
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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: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyAverage Monthly Quote
Midvale Home & Auto37
Erie42
Nationwide42
GEICO47
Liberty Mutual47
State Auto50
Safeco51
Travelers52
Direct Auto53
Dairyland54
Allstate56
Progressive58
National General69
State Farm69
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $110 for full coverage. Here are the best full-coverage car insurance companies in Wilmington.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyAverage Monthly Quote
Erie63
Nationwide68
Midvale Home & Auto71
GEICO73
Travelers77
Allstate86
Progressive88
Safeco90
State Auto95
State Farm103
Direct Auto104
Liberty Mutual122
National General129
Dairyland320
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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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

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4.8/5
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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. 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 $89 per month for liability coverage and $166 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: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith Speeding Ticket
Erie4261
Nationwide4256
GEICO4762
Liberty Mutual4767
Safeco5173
Travelers5270
Direct Auto5372
Dairyland5474
Allstate5674
Progressive5880
National General6992
State Farm6990
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 rates in the city for drivers with this incident.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith Accident
Erie4264
Nationwide4260
GEICO4767
Liberty Mutual4771
Safeco5178
Travelers5275
Direct Auto5377
Dairyland5478
Allstate5679
Progressive5885
National General6999
State Farm6997
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $108 per month for minimum coverage. The average increases to $201 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: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith DUI
Erie4265
Nationwide4271
GEICO4779
Liberty Mutual4779
Safeco5186
Travelers5288
Direct Auto5389
Dairyland5491
Allstate5694
Progressive5898
National General69116
State Farm69116
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $50 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: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyFull CoverageLiability Only
Erie4932
Nationwide5232
GEICO5938
Travelers6142
Progressive6442
Allstate7046
Safeco7744
State Farm8154
Direct Auto8242
Liberty Mutual10139
National General10656
Dairyland26244
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $93 for liability coverage and $174 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: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyFull CoverageLiability Only
Erie10973
GEICO10970
Nationwide11068
Travelers13289
Allstate14493
Progressive14998
Safeco15286
State Farm167112
Direct Auto18092
Liberty Mutual19475
National General233124
Dairyland49083
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Compare Car Insurance Rates in Wilmington

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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 $85 per month for car insurance, slightly less than the national average of $159 and similar to the state average of $82.

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$71$44
Chapel Hill$101$45
Charlotte$140$75
Durham$118$56
Fayetteville$124$68
Greensboro$101$62
Greenville$111$61
High Point$97$61
Jacksonville$86$58
Raleigh$116$61
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $110 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 $37 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 $82 per month. Drivers pay a monthly average of $57 for liability coverage and $107 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.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

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."

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