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How much is car insurance in Wilmington?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Wilmington is in line with pricing for the rest of California.
Compared to the rest of the country, auto insurance in Wilmington is more affordable. It's around $26 less to insure your vehicle compared to the average rate for the United States as a whole.
Bear in mind that while these rates represent the expected monthly payments for drivers in Wilmington, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Wilmington so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement age in Wilmington.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Wilmington is around $6 per month. As illustrated in the table above, male drivers in the area pay about $57 on average, while female drivers pay around $51 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Wilmington with a single accident on their record is about $59 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $81.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$49|
The cheapest vehicles to insure in Wilmington are usually trucks and vans, with each type typically costing about $46 per month.
Car owners, on the other hand, by and large pay around $58 a month, while SUV drivers can expect to pay about $53 per month for auto insurance coverage.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Wilmington, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
Overall, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Wilmington is about $4 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$59|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $4 less than homeowners in Wilmington. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Wilmington, CA
Recent trends in car insurance for Wilmington drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
In Wilmington, the rates for car insurance dropped from 2017-2018, before steadying out in 2019. Rates had been increasing again recently, hitting a high of $64 in 2022.
How does Wilmington compare to neighboring areas?
Why are car insurance rates in Wilmington different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Number of car accidents
- Off-street parking availability
- Area crime rates
- Community regulations
- Total number of drivers in the area
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Wilmington?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Wilmington.
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Wilmington Insurance FAQs
What factors affect car insurance quotes in Wilmington?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Wilmington different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Wilmington?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Wilmington?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Wilmington or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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