Cheapest car insurance in Wilmington, Delaware (Nov 2024)

personal injury protection (PIP)

had the most helpful customer service departments.

Drivers in Wilmington rate various auto insurance companies on a scale of 0 to 5 in the table below.

Insurance company	Overall rating	Price	Claims experience	Customer service
National General	4.7	4.8	N/A	4.7
State Farm	4.2	4.3	N/A	4.3
Progressive	4.2	3.4	N/A	4

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Wilmington

Delaware requires Wilmington drivers to carry both

liability car insurance

and

. After a car accident in which you were at fault, the former compensates any injured parties for bodily injuries and property damage.

As for the latter, it covers hospitalization and surgery for you and your passengers, regardless of who’s to blame.

However, when it comes to car accidents, the minimum coverage limits are seldom enough. The at-fault party is often responsible for (a potentially huge) out-of-pocket expense.

Cheap minimum liability insurance quotes in Wilmington

According to

Delaware car insurance laws

, the minimum coverage limits required for liability and PIP insurance are 25/50/10 and 15/30, respectively.

It’s illegal to carry any less than:

$25,000 of

bodily injury liability

coverage per person

$50,000 of bodily injury liability coverage per accident

$10,000 of

property damage liability

coverage per accident

$15,000 of PIP coverage per person

$30,000 of PIP coverage per accident

The minimum coverage tends to sell for the cheapest price. Here’s how much Wilmington car owners paid for a legally-compliant policy through Jerry:

Marion (74 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19802)

Chevrolet Tahoe K1500

$176

per month

Allstate

Joshua (32 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19803)

Toyota Camry L

$95

per month

Joe (52 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19801)

Dodge Grand Caravan SXT

$128

per month

Delaware car accident laws

Lucas (30 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19810)

Toyota Camry

$182

per month

National General

Ora (33 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19805)

Jeep Wrangler Unlimited Sport

$184

per month

Do you need more than minimum coverage in Wilmington?

Probably! Your car insurance policy only covers damages equal to or lower than your coverage limits, and the minimum coverage limits in Wilmington are quite low.

For example, when was the last time you saw a decent car for $10,000? If you damage another driver’s car beyond repair, the minimum requirements will probably leave you too underinsured to pay for its replacement. Plus,

say you can be sued in a personal injury lawsuit up to two years after the event.

The bottom line: Wilmington is densely-populated, so you should increase your liability and PIP coverage levels higher if you can.

Cheap full coverage car insurance quotes in Wilmington

Liability insurance coverage benefits other people, but full-coverage car insurance pays for repairs and replacements to your motor vehicle even if you’re at fault.

Typically, if you lease or buy a car with a loan, you’ll be required to carry full coverage car insurance.

A full-coverage insurance policy usually contains liability coverage,

collision coverage

, and

comprehensive coverage

. Collision coverage pays to repair or replace your car if you hit another motor vehicle or a stationary object—even if it’s your fault.

Comprehensive coverage pays the same benefits but for different reasons. If your car is vandalized, stolen, or has a tree branch dropped on the windshield, you’ll be glad to have it!

While full-coverage car insurance costs more than the bare minimum, you can bring your premiums back down with Jerry. Here are some of the best rates in Wilmington for complete peace of mind:

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$182	Iva, 34 Zip: 19801	Ford Escape S
• 50,000/100,000 Liability • Comp / Collision	AAA	$167	Henry, 54 Zip: 19805	Chevrolet Tracker LT
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$129	Edwin, 47 Zip: 19806	Volkswagen Jetta S
• 15,000/30,000 Liability • Comp / Collision	Safeco	$188	Jeanette, 35 Zip: 19804	Honda Accord Sport Special Edition
• State Minimum Liability • Comp / Collision	National General	$201	Maria, 34 Zip: 19802	Cadillac CTS Luxury Collectio

Last Updated Nov 20, 2024

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Sean S.

| Verified Jerry Customer

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Average cost of car insurance in Wilmington

If you live in Wilmington, you need to budget an average of $137 per month or $1,644 per year for minimum liability coverage. If you’d prefer a full-coverage insurance policy, you need to put aside about $227 per month or $2,723 per year.

Average cost of car insurance in Wilmington by zip code

Car insurance rates within the same city vary depending on where you live. Premiums tend to be more expensive in neighborhoods with a high rate of auto theft, car accidents, and high-risk factors.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
19801	$198	$307
19806	$135	$159
19808	$103	$271
19810	$171	$246

Compare car insurance costs in other states

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New Jersey car insurance

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Rhode Island car insurance

North Carolina car insurance

Car insurance quotes in Wilmington by rating factors

Sometimes it seems like

car insurance is calculated

using a set of random formulas, but it’s not. All these factors affect the premiums you pay in Wilmington:

Your age and demographics: New drivers, teen drivers, and senior drivers pay much higher premiums than the rest of the population.

Your driving record and claims history: Good driving records generally indicate good drivers, who pay lower rates.

Your parking spot: Unlike cities, where car accidents and crime cause millions of dollars in property damage, small towns enjoy lower rates.

Your motor vehicle: Cheaply-made cars that are cheap to repair are the most affordable to insure.

Your driving habits: Commuters are at a higher risk of getting into a car accident than stay-at-home workers and retirees, so they pay higher rates.

Your credit score: Those with good credit scores get the lowest rates, while those with poor credit scores get the highest.

How do different factors impact your car insurance costs in Wilmington?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.

Prohibited (or effectively prohibited): Delaware currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Wilmington:

Cheap car insurance quotes in Wilmington after driving violations

If you want to know why you’re paying so much for car insurance, start by looking at your Delaware driving record.

Driver violation points significantly affect your insurance rates and which auto insurance companies are willing to work with you. Serious traffic violations—like a

reckless driving charge in Delaware

or a DUI—are an especially tough sell.

Cheapest car insurance in Wilmington after speeding ticket

The total cost of a

Delaware speeding ticket

is calculated by the following formula:

First, you take the base fine ($20 for first offenses, $25 for repeats) and add the speed multiplier ($2 for every mph over the posted speed limit over five). Factor in the court costs, various funds, and the seatbelt assessment, and you’re still missing the biggest penalty: how much a speeding ticket affects your car insurance.

A speeding-related traffic ticket can add more than 20% to your annual premiums in Wilmington. Lower them by looking for an auto insurance provider that will reward you for taking a defensive driving course.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 11-15	Progressive	$402	Kathryn, 31 Zip: 19805	Hyundai Elantra SE	• 100,000/300,000 Liability • Comp / Collision
Speeding 21+	AAA	$298	Iva, 26 Zip: 19805	Hyundai Sonata SE	• State Minimum Liability

Last Updated Nov 21, 2024

Cheapest car insurance in Wilmington after DUI

Delaware's DUI laws

are tough, bundling a fine, jail sentence, driver’s license suspension, and SR-22 filing requirement with every conviction. A conviction remains on your driving record for five years, which only makes it harder to find affordable insurance rates in Wilmington.

You can save money by choosing an insurance provider with a variety of driver discounts. Pick a company, buy a new policy, or

cancel an old one

with Jerry, who’s helped lots of high-risk Wilmington drivers with DUIs find low rates.

Louise (30 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Wilmington, DE
(Zip Code: 19896)

Chevrolet Camaro

$59

per month

reckless driving charges in Delaware

Lou (39 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Wilmington, DE
(Zip Code: 19805)

Saturn SKY

$67

per month

Cheapest car insurance in Wilmington after an at-fault accident

A clean Delaware driving record makes it easy to find lower rates in Wilmington, but if you’ve already made a few mistakes, don’t worry. High-risk drivers found savings after their at-fault accident with Jerry’s help.

Check out what Jerry users paid for insurance after different types of accidents below:

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Progressive	$244	Raymond, 23 Zip: 19804	Chevrolet Malibu LS	• State Minimum Liability
At Fault With No Injury	AAA	$212	Wayne, 52 Zip: 19805	Toyota 4runner SR5	• State Minimum Liability • Comp / Collision
Not At Fault	Travelers	$165	Arthur, 26 Zip: 19806	GMC Acadia SLT-1	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Allstate	$245	Joseph, 27 Zip: 19801	KIA Optima SX	• State Minimum Liability • Comp / Collision

Last Updated Nov 20, 2024

Cheapest car insurance in Wilmington after other driving violations

If you’ve been hit with speeding, DUI, or

, bringing your rates back down might seem impossible. However, there’s still one thing you can do to find affordable rates in Wilmington—turn to a licensed insurance broker!

A broker helps find the right coverage and price for every situation. Provided you’re looking in the right place (hint: try the App Store!), you can benefit from their advice for next to nothing.

See what jerry drivers paid for car insurance after various driving violations below:

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Progressive	$107	Jason, 51 Zip: 19803	KIA Optima EX	• State Minimum Liability
Defective Equipment	AAA	$166	Dorothy, 27 Zip: 19808	Nissan Rogue S	• State Minimum Liability
Failure to Stop	Allstate	$221	Cynthia, 28 Zip: 19805	BMW 525 i Automatic	• State Minimum Liability • Comp / Collision
Wrong Way/Wrong Lane	National General	$143	Charlie, 23 Zip: 19804	Chevrolet Malibu LS	• State Minimum Liability
Careless Driving	Nationwide	$221	Amanda, 28 Zip: 19805	BMW 525 i Automatic	• State Minimum Liability • Comp / Collision
Driving on Sus. License	National General	$198	Lottie, 31 Zip: 19805	Buick Lacrosse CXL	• State Minimum Liability
Failure to Obey Signal	Nationwide	$308	Sylvia, 29 Zip: 19801	Mazda CX-9	• 50,000/100,000 Liability • Comp / Collision
Improper Passing	Bristol West	$322	Francisco, 23 Zip: 19802	Hyundai Elantra SEL	• 15,000/30,000 Liability

Last Updated Nov 21, 2024

Cheap car insurance quotes in Wilmington by age

When you're a teen driver, your car insurance rates are high. The same goes for when you’re a senior driver. But between those two ages (25-75) is the magic sweet spot for annual premiums.

Cheapest car insurance in Wilmington for young drivers

Since teen drivers between the ages of 16 and 19 are the most likely age group to be involved in a car accident, it's hard for them to find affordable insurance rates. New drivers and young drivers face similar challenges.

No driving history? No problem! Look for Wilmington insurance companies that make learning affordable with driver discounts. You can find

cheap car insurance for new drivers

(and full coverage that pays for fixes regardless of fault) with a quote comparison app.

Johnny (24 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19805)

Chrysler 200 Limited

$479

per month

best car insurance for seniors

Micheal (24 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19801)

Toyota Avalon XL

$296

per month

Gainsco

Jerome (24 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Wilmington, DE
(Zip Code: 19808)

Chevrolet Cruze LS

$211

per month

National General

Adeline (24 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19804)

Chevrolet Malibu LS

$143

per month

Bristol West

Mittie (24 years old)

Coverage

15,000 per person

30,000 per accident bodily injury

Wilmington, DE
(Zip Code: 19802)

Hyundai Elantra SEL

$322

per month

Cheapest car insurance in Wilmington for senior drivers

Despite their experience, older drivers usually suffer vision and hearing loss as they age. They're also more likely to suffer severe injuries in a car accident.

The

comes from companies that serve older adults and retirees. If you're looking for affordable plans while you spend your golden years in Wilmington, Jerry's expert customer service team can assist you.

Marion (74 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19802)

Chevrolet Tahoe K1500

$176

per month

Dorothy (69 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19801)

Honda Civic LX

$333

per month

A lapse in your car insurance history

Samuel (68 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19810)

Nissan Altima

$98

per month

National General

Louis (73 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19808)

Chevrolet Cruze LS

$83

per month

Cheap car insurance quotes in Wilmington based on insurance history

can make it difficult to find cheap rates in Wilmington. Almost all providers consider even a short period of time spent uninsured as high-risk behavior.

If you’d like to start building up a positive insurance history, sign up for Jerry’s automatic reminders. Not only will you be notified before you miss a payment date, but you’ll also receive an annual cost comparison when it’s time to renew.

Mabelle (53 years old)

Currently Insured

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19802)

Mazda 3 S

$118

per month

Safeco

Luke (28 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Wilmington, DE
(Zip Code: 19801)

Volkswagen CC Sport

$106

per month

Viola (46 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Wilmington, DE
(Zip Code: 19806)

Volkswagen Jetta S

$129

per month

the most expensive cars to insure

Della (24 years old)

Currently Insured

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19801)

Toyota Avalon XL

$296

per month

Clearcover

Willie (34 years old)

Currently Insured

Coverage

15,000 per person

30,000 per accident bodily injury

Comp / Collision

Wilmington, DE
(Zip Code: 19804)

Honda Accord Sport Special Edition

$182

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

They quoted me an excellent price for car insurance after I had been a non driver and non insured person for 13 years.

Max

Fast and friendly service!

Carlisa

Good!

Rayma

I saved over $100 by switching!!!! I recommend it to all my family & friends.

Alexa

Cheap car insurance quotes in Wilmington for drivers with poor credit

Your credit score affects your car insurance rates because it tells insurance companies whether or not you have a history of paying your bills on time. Insurance providers typically offer lower rates to customers with good credit.

Wilmington drivers with a credit score of 550 or less can find a company willing to insure them through Jerry.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$67	Bryan, 31 Zip: 19803	Toyota Camry L	• State Minimum Liability
660 - 750	AAA	$296	Gabriel, 24 Zip: 19801	Toyota Avalon XL	• State Minimum Liability
660 - 750	National General	$142	Eugenia, 23 Zip: 19805	Chrysler 300 S	• State Minimum Liability
550 - 659	Nationwide	$308	Olga, 29 Zip: 19801	Mazda CX-9	• 50,000/100,000 Liability • Comp / Collision
< 550	National General	$98	Fanny, 54 Zip: 19810	Jeep Grand Cherokee Laredo	• State Minimum Liability

Last Updated Nov 20, 2024

Cheap car insurance quotes in Wilmington for popular cars

Although carbon-fiber inlays and quilted leather seating look nice, they’re expensive to repair. That’s why sports cars, luxury SUVs, and special-edition coupes are among

If you want to save money, find a vehicle with low repair costs, a good security system, and excellent safety ratings. Most Wilmington drivers consider these five models the best in all three categories:

MORE: How different kinds of cars affect your car insurance rates

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4 XLE	Progressive	$118	Jeremy, 48 Zip: 19802	• State Minimum Liability • Comp / Collision
RAM 1500 Limited	Progressive	$195	Celia, 29 Zip: 19810	• State Minimum Liability • Comp / Collision

Last Updated Nov 19, 2024

How to lower car insurance costs in Wilmington

1. Shop around and compare quotes

Insurance companies have different rules for setting premiums, and those rules change all the time! Experts recommend

shopping for car insurance quotes

from at least three companies every six months to make sure you're getting the best deal.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

MORE:

How do I get multiple car insurance quotes at once

Compare car insurance quotes now

2. Hunt for car insurance discounts

Car insurance discounts

can transform an average rate into a stupendous deal. Call your provider and ask if they offer discounts for:

Good drivers. If you’ve held a

clean driving record

for at least three years, you’re due for some sweet discounts.

Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!

Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.

Bundling insurance products. Bundle your car and home insurance and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

You can keep protection and lower your monthly payments by reducing the deductible on your comprehensive insurance policy.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Wilmington?

People living in Wilmington pay on average $137 per month – or $1,644 per year – on state-minimum liability coverage. Full coverage in Wilmington costs on average $227 per month of $2,723 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Wilmington?

Based on thousands of Wilmington drivers Jerry has worked with, car insurance in Wilmington costs an average of $137 per month for state-minimum coverage and $227 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Wilmington?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.

Allstate

Geico

, and