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How much is car insurance in Wilson?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Wilson are about the same as the rest of North Carolina.
Conversely, car insurance rates in Wilson are often favorable when viewed against the rest of the country. The average monthly payment for the U.S. as a whole is about $25 more expensive than in Wilson.
Bear in mind that while these are the average car insurance rates for Wilson, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Wilson residents so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, 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 in Wilson.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance coverage, this is not the case in Wilson, where female drivers pay around $60 per month while male drivers pay about $50.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay much less than those with infractions. In Wilson, a driving record with one accident will usually get you a rate around $81 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $83.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$54|
The cheapest vehicles to insure in Wilson are typically trucks and vans, with each type typically costing about $49 per month.
Car owners can expect to pay an average of around $58 a month for their policy, while SUVs usually cost around $52 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Wilson, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
In Wilson, the difference in rates based on relationship status can be as much as $28 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$35|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $7 a month less than homeowners in Wilson. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Wilson, NC
Recent trends in car insurance for Wilson drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Wilson, the rates for auto insurance decreased from 2017-2019, before leveling out in 2020. Policy premiums dropped again recently, reaching a low of $37 in 2022.
How does Wilson compare to neighboring areas?
Why are car insurance rates in Wilson different from other areas?
There are a variety of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Many factors affecting your policy are based around where you call home. These factors include things like:
- Road Safety (how many accidents each locality has)
- Local laws
- Crime rates
- Amount of drivers in the community
- 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. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Wilson?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Wilson.
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Wilson Insurance FAQs
What factors affect car insurance quotes in Wilson?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Wilson different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Wilson?
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 Wilson?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Wilson or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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