Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Wilmington after a DUI is USAA
  • The cheapest car insurance company in Wilmington for teen drivers is USAA
  • Average car insurance rates in Wilmington, DE are $623/month

Average car insurance rates in Wilmington, Delaware are $623 a month. But with a little research you can get a great deal from the top car insurance companies in Wilmington, DE. Before you buy Wilmington, Delaware car insurance, make sure your coverage meets or exceeds the Delaware minimum of 25/50/10.

It may even be helpful to compare Wilmington car insurance rates with Laurel car insurance rates, Elsmere car insurance rates, or Milford car insurance rates to make sure you’re getting the best Wilmington, DE car insurance quotes available.

Need affordable Wilmington, DE car insurance? Enter your ZIP code to compare Wilmington car insurance quotes from multiple car insurance companies near you.

Wilmington, DE Minimum Car Insurance Coverage

Wilmington, Delaware law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Wilmington, Delaware

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Wilmington, DE Car Insurance Rates by Coverage Level

Some Wilmington drivers can get by with the Delaware minimum coverage of 25/50/10. Other drivers may need more. See how much your Wilmington, Delaware car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Wilmington, Delaware

Insurance Company Low Medium High
Allstate $6,842 $7,622 $8,118
GEICO $4,081 $4,636 $4,994
Liberty Mutual $22,245 $23,123 $24,816
Nationwide $5,189 $5,135 $5,346
Progressive $4,252 $4,917 $5,406
State Farm $5,481 $5,915 $6,312
Travelers $5,138 $5,678 $5,662
USAA $2,697 $2,879 $3,069

Wilmington, DE Car Insurance Rates by Age, Gender, and Marital Status

Wilmington, Delaware car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Wilmington, DE car insurance, get quotes from multiple car insurance companies in the Wilmington area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Wilmington, Delaware

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,363 $4,269 $3,828 $4,032 $15,855 $18,483 $4,565 $4,826
GEICO $3,286 $3,639 $3,183 $3,700 $7,871 $8,144 $3,445 $3,294
Liberty Mutual $15,634 $15,634 $15,444 $15,444 $34,854 $52,827 $15,634 $21,687
Nationwide $3,626 $3,595 $3,305 $3,289 $8,665 $10,989 $4,022 $4,297
Progressive $2,298 $2,122 $2,018 $2,060 $11,786 $13,028 $2,817 $2,738
State Farm $3,722 $3,722 $3,446 $3,446 $10,640 $13,726 $4,177 $4,341
Travelers $2,044 $2,053 $2,017 $1,968 $12,281 $19,018 $2,189 $2,373
USAA $1,575 $1,549 $1,457 $1,454 $5,905 $6,940 $1,987 $2,186

Wilmington, DE Car Insurance Rates for Teens

How much is Wilmington, Delaware car insurance for teens? Compare rates from top Wilmington car insurance companies below to help find the cheapest teen car insurance in Wilmington, DE.

Annual Car Insurance Rates for Teen Drivers in Wilmington, Delaware

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,855 $18,483
GEICO $7,871 $8,144
Liberty Mutual $34,854 $52,827
Nationwide $8,665 $10,989
Progressive $11,786 $13,028
State Farm $10,640 $13,726
Travelers $12,281 $19,018
USAA $5,905 $6,940

Wilmington, DE Car Insurance Rates for Seniors

Before seniors buy Wilmington, Delaware car insurance, they should make sure to shop around. Some Wilmington, DE car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Wilmington, Delaware

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,828 $4,032
GEICO $3,183 $3,700
Liberty Mutual $15,444 $15,444
Nationwide $3,305 $3,289
Progressive $2,018 $2,060
State Farm $3,446 $3,446
Travelers $2,017 $1,968
USAA $1,457 $1,454

Wilmington, DE Car Insurance Rates by Credit History

How does your credit history affect Wilmington, DE car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Wilmington, Delaware

Insurance Company Poor Fair Good
Allstate $9,680 $6,843 $6,059
GEICO $7,101 $3,927 $2,683
Liberty Mutual $31,691 $21,321 $17,173
Nationwide $6,075 $5,027 $4,568
Progressive $5,429 $4,754 $4,392
State Farm $9,020 $4,983 $3,705
Travelers $6,119 $5,054 $5,305
USAA $4,733 $2,277 $1,636

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Wilmington, DE Car Insurance Rates by Driver History

How does a single speeding ticket affect your Wilmington, Delaware car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Wilmington.

Annual Wilmington, Delaware Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,350 $7,632 $8,908 $7,220
GEICO $3,503 $4,859 $5,930 $3,988
Liberty Mutual $18,787 $21,551 $33,994 $19,247
Nationwide $4,158 $4,158 $7,657 $4,921
Progressive $4,178 $5,558 $4,764 $4,934
State Farm $5,348 $6,457 $5,903 $5,903
Travelers $4,665 $4,678 $7,732 $4,898
USAA $2,369 $2,369 $4,080 $2,710

Wilmington, DE Car Insurance Rates With a DUI

Even a single DUI can increase your Wilmington, DE car insurance rates. Compare rates below to see which Wilmington car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Wilmington, Delaware

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,908
GEICO $5,930
Liberty Mutual $33,994
Nationwide $7,657
Progressive $4,764
State Farm $5,903
Travelers $7,732
USAA $4,080

Wilmington, DE Car Insurance Rates by ZIP Code

Just like Wilmington car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Wilmington, DE car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Wilmington, Delaware

ZIP Code Average Annual Rates
19801 $8,266
19802 $8,136
19803 $6,372
19804 $6,657
19805 $7,939
19806 $7,806
19807 $6,326
19808 $6,263
19809 $6,824
19810 $6,292

Wilmington, DE Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Wilmington, DE car insurance rates may be. Let’s take a look at average car insurance rates from top Wilmington companies based on commute time.

Annual Car Insurance Rates by Commute Length in Wilmington, Delaware

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,528 $7,528
GEICO $4,500 $4,641
Liberty Mutual $22,745 $24,045
Nationwide $5,223 $5,223
Progressive $4,858 $4,858
State Farm $5,701 $6,104
Travelers $5,493 $5,493
USAA $2,851 $2,912

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Wilmington, DE Cheapest Car Insurance Rates

How do the top Wilmington, Delaware car insurance companies’ average rates stack up against the Wilmington average monthly car insurance rates of $623? Take a look and see.

Best Annual Car Insurance Rates by Company in Wilmington, Delaware

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Wilmington, DE Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Wilmington, Delaware car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Wilmington, Delaware

Insurance Company Average Annual Rates
Allstate $7,528
GEICO $4,570
Liberty Mutual $23,395
Nationwide $5,223
Progressive $4,858
State Farm $5,903
Travelers $5,493
USAA $2,882

Other Factors Affecting Wilmington, DE Car Insurance Rates

Before you buy Wilmington, Delaware car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Wilmington, DE Commute Time

How does your Wilmington, DE commute time compare with the average driver? In Wilmington, the average commute is 23.4 minutes.

Wilmington, DE Traffic

Spending time in Wilmington traffic can lead to higher car insurance rates. According to INRIX data, Wilmington, DE ranks as the 414th-most congested with traffic in the world.

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Wilmington, DE Car Insurance Quotes

Compare Wilmington, DE car insurance quotes from multiple companies by entering your ZIP code now.