Cheapest Car Insurance In Wilmington, NC 2026
In Wilmington, Nationwide provides the lowest rates for minimum coverage, with an average monthly cost of $46.
We’ve saved shoppers an average of $600 per year on their car insurance.
Nationwide, Erie, and GEICO currently offer the cheapest car insurance in Wilmington, NC. Drivers in the city pay an average of $56 per month for minimum liability coverage and $92 per month for full coverage policies.
Because Wilmington faces specific coastal weather risks and seasonal traffic patterns, local premiums vary significantly between providers. Comparing customized quotes from multiple carriers is the most effective way to secure affordable protection tailored to your exact driving record, vehicle type, and desired coverage limits.
What’s Changed In 2026?
- North Carolina recently increased its mandatory minimum liability limits, raising the baseline cost for minimum coverage policies.
- A statewide auto rate increase averaging 5% recently took effect due to rising vehicle repair expenses.
- Expanded uninsured motorist regulations now mandate inclusion, providing drivers more protection while impacting overall policy prices.
- State surcharges for inexperienced drivers have been extended, which keeps rates higher for a longer duration.
Cheapest Car Insurance Companies In Wilmington, NC 2026
Cheapest Liability-only Car Insurance In Wilmington: Nationwide
In Wilmington, Nationwide provides the cheapest minimum coverage car insurance at an average rate of $46 a month.
Use the chart below to see how different insurance companies’ rates stack up.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $46 | $552 |
| Allstate | $61 | $732 |
| GEICO | $52 | $624 |
| Travelers | $57 | $684 |
| Progressive | $63 | $756 |
Cheapest Full Coverage Insurance Rates In Wilmington: Erie
In Wilmington, Erie provides the cheapest full coverage car insurance, costing about $71 per month on average.
Check out the table below for a comparison of average quotes from affordable auto insurers in Wilmington.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $71 | $852 |
| Allstate | $94 | $1,128 |
| State Farm | $112 | $1,344 |
| Travelers | $88 | $1,056 |
| Progressive | $97 | $1,164 |
Cheapest Car Insurance Rates For Seniors: Nationwide
Seniors in Wilmington can find the cheapest car insurance from Nationwide, with an average monthly rate of $52
Below is a table comparing average rates from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $52 | $624 |
| Allstate | $77 | $924 |
| GEICO | $64 | $768 |
| Direct Auto | $84 | $1,008 |
| State Farm | $88 | $1,056 |
Cheapest Rates In Wilmington For Teenagers: Travelers
Teen drivers in Wilmington can get the cheapest car insurance from Travelers, with monthly rates averaging $110.
Below is a table highlighting the cheapest auto insurance rates for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $110 | $1,320 |
| Allstate | $174 | $2,088 |
| National General | $226 | $2,712 |
| State Farm | $200 | $2,400 |
| Progressive | $168 | $2,016 |
Cheapest Auto Insurance For Young Adults in Wilmington: Auto-Owners
Young adults in Wilmington can get the cheapest quotes from Auto-Owners, with an average monthly premium of $72.
The table below highlights the cheapest car insurance options for young adults in Wilmington.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $72 | $864 |
| Erie | $93 | $1,116 |
| Direct Auto | $74 | $888 |
| Utica | $104 | $1,248 |
| North Carolina Farm Bureau | $99 | $1,188 |
Cheapest Car Insurance In Wilmington For Good Drivers: Nationwide
Good drivers in Wilmington can secure the cheapest auto insurance from Nationwide, with rates around $48 monthly.
Good drivers can use the table below to compare average rates from the cheapest insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $48 | $576 |
| Allstate | $64 | $768 |
| GEICO | $55 | $660 |
| Travelers | $60 | $720 |
| Progressive | $66 | $792 |
Find affordable Wilmington rates
Cheapest Car Insurance In Wilmington After A Speeding Ticket: GEICO
In Wilmington, GEICO stands out with affordable rates of $76 per month for drivers with a speeding violation.
The table below highlights average premiums for drivers who have a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $76 | $912 |
| Allstate | $89 | $1,068 |
| Progressive | $92 | $1,104 |
| Travelers | $84 | $1,008 |
| State Farm | $106 | $1,272 |
Free Policy Review: Spot Gaps. Cut Costs.
Cheapest For Drivers With After At-Fault Accident: Erie
Drivers with an at-fault incident can find the cheapest rates from Erie, with average premiums of $73 per month.
Here’s a list of insurers providing the cheapest car insurance rates for drivers with an at-fault incident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $73 | $876 |
| Allstate | $92 | $1,104 |
| Progressive | $95 | $1,140 |
| Direct Auto | $100 | $1,200 |
| State Farm | $111 | $1,332 |
Cheapest Rates In Wilmington For Drivers After A DUI: GEICO
Drivers with a DUI can find the cheapest car insurance from GEICO, with average premiums of $93 per month in Wilmington.
The table below highlights the most affordable insurance options for drivers in Wilmington with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $93 | $1,116 |
| Allstate | $109 | $1,308 |
| Progressive | $111 | $1,332 |
| State Farm | $132 | $1,584 |
| National General | $124 | $1,488 |
Best Car Insurance Companies In Wilmington
Wilmington drivers can get the lowest insurance rates from Nationwide at $48 monthly. GEICO follows at $55, and Erie at $50.
The list below highlights the top 10 car insurance providers in Wilmington, NC, sorted by their average monthly premiums.
| Company | Monthly Premium |
| Nationwide | $48 |
| Allstate | $64 |
| GEICO | $55 |
| Travelers | $60 |
| Progressive | $66 |
| Erie | $50 |
| Direct auto | $65 |
| Dairyland | $67 |
| Safeco | $68 |
| National General | $72 |
Average Auto Insurance Rates In Wilmington – By Age
Car insurance rates are heavily influenced by age. Younger drivers typically pay more because they are less experienced and more prone to accidents. Teen drivers can expect an average annual premium of $2,119.
At age 25, drivers often see their insurance premiums decrease, as long as they maintain a spotless driving record.
The best insurance rates are often available to drivers in their 50s and early 60s. Insurers consider age a key factor in determining experience and risk levels.
| Age | Average Yearly Rate |
| Teenagers | $2,119 |
| 20s | $1,916 |
| 30s | $1,449 |
| 40s | $1,441 |
| 50s | $1,539 |
| 60s | $1,143 |
| 70s | $1,287 |
Average Rates In Wilmington – By Vehicle
Your car’s make, model, year, and body type are key factors in calculating insurance rates. High-tech, luxury models, especially newer ones, often come with higher premiums because they cost more to repair or replace.
The table below displays average insurance rates for various vehicles in Wilmington.
| Vehicle | Average Monthly Rate |
| Lincoln Town Car | $72 |
| Audi Q5 | $74 |
| Hyundai Elantra | $277 |
Average Cost Of Auto Insurance In Wilmington – By Zip Code
Car insurance rates differ by ZIP code because insurers evaluate crime rates and other local factors in each area.
The table below displays average insurance premiums for various ZIP codes in Wilmington.
| City | Average Monthly Rate |
| 28409 | $111 |
| 28401 | $137 |
| 28411 | $134 |
| 28412 | $118 |
| 28405 | $130 |
How Much Is Car Insurance In Other Cities in North Carolina?
Your location plays a key role in determining car insurance costs. Insurance companies assess risks such as accident rates, theft, and vandalism, which are more common in urban areas and often lead to higher premiums.
Drivers in Charlotte face average car insurance rates of $170 per month, compared to $110 per month for Asheville residents.
| City | Average Monthly Rate |
| High Point | $136 |
| Asheville | $110 |
| Greenville | $138 |
| Cary | $131 |
| Greensboro | $150 |
| Chapel Hill | $136 |
| Goldsboro | $154 |
| Charlotte | $170 |
| Fayetteville | $145 |
| Durham | $168 |
Find affordable Wilmington rates
Our Methodology
Using insights from customer feedback, product offerings, pricing comparisons, and online reviews, I’ve compiled a comprehensive guide to car insurance providers in Wilmington, NC.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Wilmington?
Nationwide has the lowest rates for minimum coverage in Wilmington, while Erie offers the best prices for full coverage with comprehensive and collision protection.
What is the average cost of car insurance in Wilmington?
Car insurance in Wilmington averages about $126 per month, but factors like your ZIP code, car model, and driving record can affect your actual rate.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.