Cheapest car insurance in Wilmington, Delaware (Apr 2024)

How to find the cheapest car insurance in Wilmington

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$118	Travis, 53 Zip: 19802	Mazda 3 S	• State Minimum Liability
Travelers	$165	Barbara, 26 Zip: 19806	GMC Acadia SLT-1	• 100,000/300,000 Liability • Comp / Collision
Allstate	$383	Jorge, 28 Zip: 19805	KIA RIO LX	• 50,000/100,000 Liability • Comp / Collision
Safeco	$106	Lucile, 28 Zip: 19801	Volkswagen CC Sport	• 100,000/300,000 Liability • Comp / Collision
Bristol West	$199	Jennie, 34 Zip: 19804	Honda Accord Sport Special Edition	• 15,000/30,000 Liability • Comp / Collision

Last Updated Apr 14, 2024

Best Car Insurance Companies in Wilmington

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

Cheap minimum liability insurance quotes in Wilmington

$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

Progressive

Bessie (53 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19802)

Mazda 3 S

$118

per month

Nationwide

Maud (60 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19806)

Ford Focus SE

$101

per month

AAA

Minnie (29 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19810)

Toyota Camry

$182

per month

Allstate

Francis (31 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19803)

Toyota Camry L

$95

per month

National General

Lucy (36 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19805)

Honda Accord Sport

$93

per month

Do you need more than minimum coverage in Wilmington?

Cheap full coverage car insurance quotes in Wilmington

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$130	Zachary, 25 Zip: 19810	Honda Civic Sport Touring
• 50,000/100,000 Liability • Comp / Collision	AAA	$167	Jesse, 54 Zip: 19805	Chevrolet Tracker LT
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$129	Kyle, 46 Zip: 19806	Volkswagen Jetta S
• 100,000/300,000 Liability • Comp / Collision	Travelers	$165	Barbara, 26 Zip: 19806	GMC Acadia SLT-1
• 15,000/30,000 Liability • Comp / Collision	National General	$234	Sallie, 34 Zip: 19804	Honda Accord Sport Special Edition

Last Updated Apr 17, 2024

Average cost of car insurance in Wilmington

Car insurance quotes in Wilmington by rating factors 

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.

Cheap car insurance quotes in Wilmington after driving violations

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	Calvin, 31 Zip: 19805	Hyundai Elantra SE	• 100,000/300,000 Liability • Comp / Collision
Speeding 21+	AAA	$298	Lola, 26 Zip: 19805	Hyundai Sonata SE	• State Minimum Liability

Last Updated Apr 16, 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. 

Progressive

Ronnie (23 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19808)

Chevrolet Cruze LT

$159

per month

Cheapest car insurance in Wilmington after an at-fault accident

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

Last Updated Apr 18, 2024

Cheapest car insurance in Wilmington after other driving violations

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

Last Updated Apr 15, 2024

Cheap car insurance quotes in Wilmington by age

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.

Progressive

Jeff (23 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19804)

Chevrolet Malibu LT

$350

per month

Allstate

Sally (24 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19805)

Hyundai Sonata SE

$282

per month

AAA

Sally (24 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19801)

Toyota Avalon XL

$296

per month

National General

Jared (21 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19802)

Ford Focus SE

$241

per month

Bristol West

Wayne (23 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

best car insurance for seniors

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.

Progressive

Georgia (68 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19801)

Honda Civic LX

$252

per month

Nationwide

Craig (67 years old)

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19810)

Nissan Altima

$98

per month

National General

Elsie (72 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

Progressive

Clara (53 years old)

Currently Insured

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19802)

Mazda 3 S

$118

per month

Safeco

Lucy (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

Nationwide

Hannah (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

AAA

Ronald (24 years old)

Currently Insured

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19801)

Toyota Avalon XL

$296

per month

Clearcover

Austin (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

Cheap car insurance quotes in Wilmington for popular cars

Chevrolet Silverado
Ford F-150
Toyota RAV 4
RAM 1500 Limited
Honda CR-V

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Chevrolet Silverado C2500 Heavy Duty LT	Progressive	$182	Lydia, 43 Zip: 19802	• State Minimum Liability • Comp / Collision
Toyota RAV4 LE	AAA	$349	Jacob, 23 Zip: 19810	• State Minimum Liability • Comp / Collision
RAM 1500 Limited	Progressive	$195	Seth, 29 Zip: 19810	• State Minimum Liability • Comp / Collision
Honda CR-V EX	Progressive	$212	Fred, 36 Zip: 19802	• State Minimum Liability • Comp / Collision

Last Updated Apr 18, 2024

Cheapest car insurance in Wilmington for new vs. old car

It’s usually more expensive to insure a new car than an older one. In Wilmington, the average cost to insure a car older than 10 years is $176 per month. By contrast, the average cost of insuring a car less than four years old is $123 per month.

Progressive

Bessie (53 years old)

2004 Mazda 3 S

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19802)

$118

per month

AAA

Sally (24 years old)

1997 Toyota Avalon XL

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19801)

$296

per month

Safeco

Lucile (28 years old)

2012 Volkswagen CC Sport

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Wilmington, DE
(Zip Code: 19801)

$106

per month

Nationwide

Kyle (46 years old)

2019 Volkswagen Jetta S

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Wilmington, DE
(Zip Code: 19806)

$129

per month

National General

Georgia (36 years old)

2019 Honda Accord Sport

Coverage

State Minimum

Wilmington, DE
(Zip Code: 19805)

$93

per month

Bristol West

Jennie (34 years old)

2017 Honda Accord Sport Special Edition

Coverage

15,000 per person

30,000 per accident bodily injury

Comp / Collision

Wilmington, DE
(Zip Code: 19804)

$199

per month

How to lower car insurance costs in Wilmington

1. Shop around and compare quotes

 2. Hunt for car insurance discounts

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