Wilmington Car Insurance

How much does car insurance cost in Wilmington, DE? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Wilmington?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Delaware has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Wilmington typically pay around $120.28 per month compared to the national average of $135.61 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.61
Delaware $102.52
Wilmington, Delaware $120.28

Wilmington, DE Best Car Insurance Companies

car insurance in Wilmington

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Wilmington coming in around $82.06 per month. Other companies to consider if you live in Wilmington is State Farm with an average cost of $154.18 per month and Atlantic States Insurance which typically runs around $169.87 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Wilmington.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $82.06-19.96%
2 State Farm $154.1850.39%
3 Atlantic States Insurance $169.8765.69%
4 Nationwide $204.0198.99%
5 Travelers $206.65101.57%
6 National Grange Mutual $231.95126.24%
7 Allstate $243.75137.75%
8 Donegal Mutual Insurance Co $248.87142.74%
9 Metropolitan $289.33182.20%
10 Encompass $322.29214.36%

How Much is Car Insurance in Wilmington, DE?

how much is auto insurance in Wilmington

Rates can vary from city to city. The residents of Dover typically pay $89.11 per month while people who live in Hockessin will pay $114.90 per month on average. See what people pay for car insurance in other cities in Delaware.

Delaware CitiesMonthly Average Rate
Dover$89.11
Hockessin$114.90
New Castle$111.28
Newark $104.24
Wilmington $120.26

Cheap Car Insurance in Wilmington by Zip Codes

find cheap auto insurance in Wilmington

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Delaware. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Wilmington, DE ZIP CodeAverage Monthly Rate
19801$141.29
19802$132.72
19803$80.75
19804$103.01
19805$128.69
19806$111.25
19807$63.66
19808$96.33
19809$102.62
19810$98.25

Car Insurance Rates by Driver's Age Group in Wilmington

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $320.56 per month in Wilmington. Compare that to drivers in their 30’s who typically pay around $96.99 per month drivers in their 40s at $109.52 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$320.56
20s$150.87
30s$96.99
40s$109.52
50s$85.51
60s$76.43
70+$110.59

Cheapest Insurance for Teenage Drivers in Wilmington

If you are teen in Wilmington you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $157.81 per month. This is likely the most affordable option in Wilmington. You might also want to consider State Farm and Atlantic States Insurance who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$157.81
State Farm$281.74
Atlantic States Insurance$289.50
National Grange Mutual$405.56
Donegal Mutual Insurance Co$420.40

Cheapest Insurance for 20 Year-olds in Wilmington

20 year-olds in Wilmington might want to consider USAA who, on average, offers car insurance rates around $109.86 per month. State Farm, Atlantic States Insurance , Nationwide and Travelers are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$109.86
State Farm$206.08
Atlantic States Insurance$226.59
Nationwide$282.79
Travelers$317.25

Cheapest Insurance for 30 Year-olds in Wilmington

If you are in your 30s in Wilmington our research has found that USAA typically has the most affordable coverage coming in around $65.03 per month, followed by Travelers at $111.80 and State Farm at $119.76.

CompanyAverage Monthly Rate
USAA$65.03
Travelers$111.80
State Farm$119.76
Atlantic States Insurance$144.09
Nationwide$162.90

Cheapest Insurance for 40 Year-olds in Wilmington

On average, USAA offers car insurance for 40 year-olds in Wilmington for around $61.94 per month. If you are looking for affordable coverage, you may also want to consider Travelers or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$61.94
Travelers$116.60
State Farm$119.60
Nationwide$147.48
Atlantic States Insurance$148.60

Cheapest Insurance for 50 Year-olds in Wilmington

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Wilmington we found that USAA generally offers the most affordable coverage at $57.47 per month.

CompanyAverage Monthly Rate
USAA$57.47
Travelers$90.48
State Farm$109.25
Atlantic States Insurance$112.83
Nationwide$131.34

Cheapest Insurance for 60 Year-olds in Wilmington

If you live in Wilmington and you’re in your 60s, our data indicates that USAA usually has the best rates at $58.79 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$58.79
Travelers$89.71
State Farm$106.18
Atlantic States Insurance$106.26
Nationwide$123.57

Driver's Coverage Auto Insurance Rates in Wilmington, DE

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Wilmington, the average monthly rate for a driver who is currently insured is $105.43 while drivers who are not currently covered will pay around $138.89.

CoverageAverage Monthly Rate
Not Currently Insured $138.89
Currently Insured $105.43

Compare Recent Car Insurance Quotes in Wilmington

auto insurance quotes in Wilmington city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Wilmington a driver of a 2011 Nissan Altima can expect to pay around $104.98 per month while someone that owns a 2011 Bmw 328 may pay around $374.95 per month. Check out the list of recent quotes in Wilmington below.

VehicleAverage Monthly Rate
2011 Nissan Altima$104.98
2011 Bmw 328$374.95
2018 Ford Ecosport$188.15
2005 Buick Lacrosse$252.14
2019 Subaru Impreza$103.76
2017 Ford Edge$97.25
2003 Jeep Liberty$206.19
2015 Ford Fusion$138.22
2016 Volkswagen Passat$106.38
2003 Lincoln Aviator$260.50

FAQ's for Drivers in Wilmington, DE

driver’s frequently asked question in Wilmington

What Is the Minimum Liability Coverage Requirement in Wilmington, DE?

The minimum coverage requirements are relatively low in Delaware. Motorists must carry at least $15,000 bodily injury coverage per person and $30,000 per accident, along with at least $10,000 property damage coverage per accident.

You also need personal injury protection (PIP) in the amount of $15,000 bodily injury coverage per person and $30,000 per accident. Delaware is known as an “add-on” state; it’s not strictly a no-fault system, but you can still only file a claim through your own carrier, and your right to sue for personal injuries is not limited.

  •  $15,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  •  $30,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  •  $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

For those who like to take some big risks in life, minimizing insurance costs by carrying only the minimally required coverage may seem like a good idea. However, minimum coverage leaves you vulnerable to lots of potential out-of-pocket expenses. It’s advisable to carry optional coverages that can—for just a little more each month—prevent you from ending up on the hook for big money.

What Is the Blood Alcohol Concentration (BAC) limit in Wilmington, DE?

It’s against the law to drive in Delaware at the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

Note that in Delaware, you don’t have to register a 0.08% BAC to be arrested for DUI. If the attending law enforcement agent determines that your ability to safely operate your motor vehicle has been impaired by alcohol or any other legal or illegal substance, you can be arrested for DUI.

What are the consequences of being convicted of a DUI?

A number of considerations affect the consequences of a DUI conviction in Delaware. For example, your number of prior DUI convictions, your number of moving violations within the last 2 years, whether you caused damage or injuries while driving impaired, if your BAC was 0.15% or higher, and whether there was a minor with you at the time of your DUI are some factors in sentencing.

For a first offense without other factors at play, a DUI conviction means up to 6 months in jail, installation of an ignition interlock device, up to $1,500 in fines, and driver’s license revocation for at least 1 year.

There’s more detailed information about DUI laws in the Delaware Title 21 - Motor Vehicle - Operation and Equipment.

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Commute Time in Wilmington, DE

22 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Wilmington, DE

353

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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