Table of contents
How much is car insurance in Wilson?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Wilson are in line with rates across the rest of North Carolina.
When stacked up against the national average, the average monthly policy payment for Wilson is more affordable. On average, it's about $23 less to insure your vehicle in Wilson than it is in the rest of the United States.
Although these are the average rates for auto insurance in Wilson, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But don't worry, we've broken down the average rate for Wilson residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates climb back up once you hit retirement age 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 $62 per month while male drivers pay about $45.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Wilson with a single accident on their record is about $81 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $83.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$38|
|15 Years or Older||$53|
If you look at the first table above, the cheapest vehicles to insure in Wilson are by and large trucks and vans, at $44 per month.
SUV drivers will see rates of about $51 for insurance coverage, while car owners usually pay around $60 per month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Wilson, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Generally, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Wilson reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $30 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$35|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $1 less than drivers who own property in Wilson. 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 overall costs.
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 shopping for coverage.
In Wilson, car insurance rates had been increasing from 2016-2017, before taking a downward turn from 2018-2019. They finished down in 2021, at $43 a month.
How does Wilson compare to neighboring areas?
Why are car insurance rates in Wilson different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Off-street parking availability
- Regional laws
- Prevalence of crime
- Road safety
- Amount of drivers in the area
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Wilson.
Wilson Insurance FAQs
What factors affect car insurance quotes in Wilson?
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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Wilson 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 crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
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?
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 Wilson 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.