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The average car insurance cost in Wilmington, Delaware is $2,136 per year, according to Insure.com data. This is $73 more than the average auto insurance cost in Delaware and $241 more than the national average, as analyzed by Insure.com.

City average ratesState average ratesNational average cost
$2,136$2,063$1,895

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Wilmington, the average car insurance rates by age, gender and how much is car insurance in Wilmington based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Wilmington. Read on to learn more.

Key Takeaways

  • The average car insurance cost in Wilmington, Delaware is $2,136 per year.
  • Nationwide offers the cheapest car insurance in Wilmington, at an average of $1,806 per year.
  • Young adults pay $3,643 per year for car insurance in Wilmington.

Cheap car insurance companies in Wilmington

Nationwide provides the best value for car insurance in Wilmington with coverage limits of 100/300/100, costing $1,806 annually.

A close second is Travelers, which offers car insurance at $1,979 per year.

Company NameAverage annual costAverage monthly cost
Nationwide$1,806$151
Travelers$1,979$165
Geico$2,068$172
Progressive$2,265$189
State Farm$2,650$221
American Family$3,134$261
USAA$1,850$154

Read about the best car insurance companies.

Average car insurance cost in Wilmington by coverage limits

The average car insurance rates in Wilmington based on coverage types are as follows:

  • State minimum coverage: $902 per year (limits are 25/50/25)
  • Liability only coverage: $1,190 per year (limits are 50/100/50)
  • Full coverage: $2,136 per year (limits are 100/300/100)
  • Non-owners coverage: $326 per year

In many states, it’s a legal requirement for drivers to maintain the state minimum coverage, although these requirements vary by state. The state minimum coverage does not cover vehicles listed on your policy in an at-fault accident.

To avoid the risk of insufficient coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage, especially if you frequently borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Wilmington

In Wilmington, Delaware, the average annual car insurance premium for female drivers is $2,178 per year.

While the average annual cost for male drivers is $2,094 per year, which is $84 less than what female drivers pay, according to a rate analysis by Insure.com.

According to the Insurance Information Institute, statistics demonstrate that women are generally regarded as safer drivers than men. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Wilmington

Car insurance rates in Wilmington, are highest for teens at $8,664 per year or $722 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $3,643 annually for their car insurance, which is $5,021 less than what teens pay for their insurance coverage.

In Wilmington, adult drivers pay an average of $2,268 per year for car insurance, while senior drivers pay $2,453 annually.

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)
$8,664$3,643$2,268$2,453

Examining the trends in car insurance rates in Wilmington, Delaware it was on an downward swing from 2022 to 2023. From 2022 to 2023 rates decrease overall by 19%, or $496.

The table below shows the trend for last four years:

2016 rates2019 rates2022 rates2023 rates
$1,933$2,344$2,632$2,136

Conclusion

Car insurance rates in Wilmington are higher than the average rates in Delaware. Drivers in Wilmington can secure affordable car insurance by shopping around and utilizing available discounts. Additionally, many insurance companies offer bundling discounts for customers who purchase multiple policies from the same provider.

Sources

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

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Prachi Singh
Contributing Researcher

 
  

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.

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