Wilmington, DE Car Insurance

The average cost for car insurance in Wilmington is about $204 a month. Read our guide below to learn more about your specific rates.
How much can residents of Wilmington expect to pay for their car insurance? Compared to their surrounding area, how do rates in Wilmington stack up? What about against the rest of Delaware? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Wilmington?

Area Average Monthly Car Insurance Premium
Wilmington$204
DE$177
United States$80

Looking at the chart above, you can see that it is around $27 a month more expensive to insure your vehicle in Wilmington than it is in the rest of Delaware.

Similarly, Wilmington residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $124 more expensive for coverage in Wilmington than the average rates seen in the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Wilmington, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rates for Wilmington residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$776
18-24$303
25-34$162
35-44$148
45-54$184
55-64$137
65+$115

The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may climb back up in Wilmington.

Average Car Insurance Rates by Gender

Gender Average
Male$222
Female$178

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Wilmington, this difference shakes out to about $44 a month. Looking at the table above, you can see that female drivers pay around $178 on average, while male drivers typically pay $222 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$236
Multiple Accidents$257
1 Ticket$152
Multiple Tickets$242

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Wilmington with a single accident on their record is about $236 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $152.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$198
2-3 Years$203
4-5 Years$208
6-7 Years$146
8-10 Years$190
11-14 Years$202
15 Years or Older$227

In terms of affordable coverage, the cheapest vehicles to insure in Wilmington are typically SUVs, at $185 per month.

Truck and van drivers will see rates of about $202 for insurance coverage, while car owners by and large pay around $208 per month.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Wilmington, vehicles fifteen years and older are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$216
Married$114
Divorced$114
Widowed$114

Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Wilmington as well, where the difference is around $102 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$163
Rent$238
Live with parents$142

Another factor that comes into play is your housing status. In Wilmington, homeowners can expect to pay around $75 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Wilmington, DE

Recent trends in car insurance for Wilmington drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

In Wilmington, the rates for auto insurance went up from 2016-2018, before leveling out in 2019. Insurance rates finished down in 2021, at $132 a month

How does Wilmington compare to neighboring areas?

Why are car insurance rates in Wilmington different from other areas?

When considering how much to charge for coverage, car insurance companies will review a lot of factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Prevalence of crime
  • Road Safety (how many accidents each locality has)
  • Local regulations
  • Amount of drivers in the region
  • Amount of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Wilmington?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Wilmington.

Compare the cheapest quotes from dozens of insurance companies

Wilmington Insurance FAQs

What factors affect car insurance quotes in Wilmington?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Wilmington different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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 however, 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Wilmington or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes