Wilmington, DE Auto Insurance | Cheap Car Insurance in Wilmington, DE

Wilmington, DE auto insurance requires drivers to have 15/30/10 in liability coverage. Cheap car insurance in Wilmington, DE averages $73 monthly with Nationwide. The top Wilmington, DE car insurance companies include Allstate, State Farm, Liberty Mutual, Nationwide, and National Grange Mutual.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Delaware auto insurance lists its minimum liability coverage as 15/30/10. Drivers searching for cheap car insurance in Wilmington, DE will be able to find affordable premiums. Allstate, State Farm, Liberty Mutual, Nationwide, and National Grange Mutual rank as some of the best Wilmington, DE car insurance companies. Nationwide leads the way in offering Wilmington, DE auto insurance at $73/month.

Often referred to as the “Corporate Capital of the World,” Wilmington is heaven for small and/or new businesses thanks to joint efforts by both private and public enterprise. Because of this, the city possesses a diverse labor force. Although within driving distance from major metropolitan areas such as Philadelphia, Wilmington residents enjoy a lower cost of living with big-city convenience.

Fun fact: Did you know that Wilmington is #1 on the list of “Top 101 cities with the largest percentage of males in occupations: Mathematical science occupations (population 50,000+)”?

Are you looking for cheap auto insurance in Wilmington, DE? At AutoInsuranceEZ.com, you’ll find the best car insurance in Wilmington, Delaware. To get free Wilmington, DE auto insurance quotes from the major providers today, input your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Delaware

Trying to drive legally in Delaware? Well, you’ll need:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Personal Injury Protection 15,000/30,000 15,000/30,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Like most states, Delaware requires liability coverage on all auto policies. Unlike most states, however, they also require Personal Injury Protection. This type of insurance covers “no-fault” accidents, especially if you end up with medical expenses as a result of such an accident.

Normal monthly rates in Delaware can reach as high as $132 per month for some motorists. However, in Wilmington, you can get a fairly good deal and reduce your rates to $121/mo* or lower, if you know what discounts to look for. We’ll discuss some of these discounts shortly.

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Cheapest Auto Insurance Wilmington, Delaware

Average Monthly Auto Insurance PremiumsLegend: Wilmington Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 20406080100120140160180200220$100$112$221$73$98

There are a variety of companies to choose from, including Progressive [car] Insurance in Wilmington, Delaware and more. However, National Grange Mutual, Nationwide, and Allstate are offering the most competitive Wilmington, DE auto insurance rates (as you can see in the chart). But what else are they offering? Excellent customer service? A simple and efficient claims service? All of these are important questions to consider before you choose a Wilmington, Delaware auto insurance company based on low rates alone.

Wilmington, DE auto insurance companies contemplate different factors when figuring out insurance quotes, including driving violations, accident claims, credit score/rating, years of driving experience, and multiple cars and drivers. Also, keep in mind that premiums differ among Wilmington, Delaware car insurance companies. To find out whether you’re still paying the most favorable rate, compare affordable Wilmington, DE auto insurance online.

Major Factors in Cheap Car Insurance in Wilmington, Delaware

There are numerous ways in which your car insurance rate might be estimated. But not all of it is out of your control; there are things you can do to be able to influence which discounts you are eligible to acquire. Listed here are some of these factors in greater detail:

Your ZIP Code

Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars means a smaller chance that you will get into a collision with another vehicle. The population of Wilmington is 71,525 and the median household income is $37,861.

Auto Insurance by ZIP CodeLegend: Bear Dover Newark Pike Creek Wilmington Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 20406080100120140160180200220$100$78$95$90$100$82$65$82$82$112$175$129$142$142$221$69$51$59$59$73$70$55$70$70$98

Automotive Accidents

If you live in a city where accidents happen frequently, then you will likely face higher monthly insurance rates. Luckily for Wilmington drivers, the accident rate is fairly low, even for a city with such a robust population. This can lead to some significant savings.

Fatal Accidents in Wilmington, DELegend: Wilmington Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 123456737342

Auto Thefts in Wilmington

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Wilmington was 371 back in 2013. This marks a substantial drop in theft from previous years. However, if you are still uncertain, you can add Comprehensive coverage to your policy to protect against theft.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 50100150200250300350400450$100$192$112$174$221$453$73$116$98$179

Your Credit Score

Having a high or low credit score can have a serious influence on your monthly insurance payments. Good credit scores are rewarded with significantly lower rates. Poor credit scores, on the other hand, might pay double (or more) what you would pay with a better credit history.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 306090120150180210240270300330$85$145$77$264$138$345$61$101$83$190

Your Age

Your automotive insurance gradually gets cheaper over time, because your experience behind the wheel ensures that you are less and less likely to get into an accident. But younger drivers and their lack of experience are at a much higher risk. And because they are so risky to insure, they must pay higher monthly premiums.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 100200300400500600700800900$100$365$112$387$221$937$73$267$98$376

Your Driving Record

“Accident Forgiveness” is a new type of discount that more and more insurance providers are beginning to offer. It gives you the opportunity to virtually erase a minor traffic citation from your record, effectively lowering your monthly premium. It is unlikely to work for more serious violations, such as a DUI or Reckless Driving, however.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 20406080100120140160180200220240260280300$100$107$121$138$112$124$124$136$221$221Do Not Sell$312$73$92$161$113$98$98$229$149

Your Vehicle

The thing most people don’t realize about insuring luxury cars is that it isn’t the vehicle itself that costs more to insure – it’s the numerous types of coverage (and in higher amounts) which you must purchase in order to protect your investment that raise the price tag, as you can see in the chart.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder Allstate State Farm Liberty Mutual Nationwide National Grange Mutual 50100150200250300350400450$100$214$112$213$221$478$73$122$98$186

Minor Factors in Cheap Auto Insurance in Wilmington, Delaware

You might want to be mindful about these following factors, and how they influence your rate:

Your Marital Status

Married couples can get all sorts of discounts – if they know how to bundle their insurance policies, that is. The most obvious choice is to bundle you and your spouse’s auto policies under the same company. And if that company offers other insurance – such as boating, homeowners, or life insurance – you can bundle those too for further discounts.

Your Gender

For most insurance providers, there is little more than a 1-3% difference in rates between men and women – if they charge a different rate at all. In the grand scheme of things, all other factors being equal, your gender doesn’t make it significantly more or less likely to get into an accident.

Your Driving Distance to Work

For the average worker in Wilmington, the commute time can last anywhere from 17-29 minutes. And of those workers, a good 60% drive to work in their own vehicle; another 17% prefer to carpool.

If you can help it, try to avoid registering your car as a business vehicle. On average, those vehicles get charged 10-12% higher rates than vehicles driven for work, school, or even recreationally. Also, yearly mileage is a fairly negligible factor – whether your drive above or below the national average, you may only see a 2-3% fluctuation in your rate.

Your Coverage and Deductibles

Do you think you are unlikely to file a claim any time soon? Then talk to one of your Wilmington, Delaware auto insurance agents about raising your deductible. It’s a great way to lower your monthly premium and save money. But put a little extra aside – just in case you do have to file a claim.

Education in Wilmington, DE

Most drivers in Wilmington have earned a high school diploma or some other equivalent. A smaller fraction of motorists have yet to complete their high school education. But did you know that pursuing a higher education can save you money on your car insurance? It’s actually a more lucrative discount than what you might get from having a specific job, or even a high-paying salary.

Wilmington has several young universities within driving distance of its residents. More than five of them, including satellite versions of Drexel University and Delaware State University, are less than 25 years old. If you are interested in a legal career, you might want to look into the Delaware Law School.

Unfortunately for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance policy.

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How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

State of Delaware – Department of Insurance

Delaware Department of Finance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

These Companies Offer Car Insurance in Wilmington, DE – See How Much You Can Save by Entering Your ZIP Code Below

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