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

  • Average car insurance rates in Wilmington, MA are $254/month
  • The cheapest car insurance company in Wilmington for teen drivers is State Farm
  • The cheapest car insurance company in Wilmington after a DUI is State Farm

Average car insurance rates in Wilmington, Massachusetts are $254 a month. But with a little research you can get a great deal from the top car insurance companies in Wilmington, MA. Before you buy Wilmington, Massachusetts car insurance, make sure your coverage meets or exceeds the Massachusetts minimum of 20/40/5.

It may even be helpful to compare Wilmington car insurance rates with Brockton car insurance rates, Cambridge car insurance rates, or Worcester car insurance rates to make sure you’re getting the best Wilmington, MA car insurance quotes available.

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

Wilmington, MA Minimum Car Insurance Coverage

Wilmington, Massachusetts law requires drivers carry a minimum of 20/40/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Wilmington, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Wilmington, MA Car Insurance Rates by Coverage Level

Some Wilmington drivers can get by with the Massachusetts minimum coverage of 20/40/5. Other drivers may need more. See how much your Wilmington, Massachusetts car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Wilmington, Massachusetts

Insurance Company Low Medium High
Allstate $3,433 $3,778 $3,936
GEICO $2,612 $2,892 $3,017
Liberty Mutual $4,044 $4,375 $4,536
Progressive $3,483 $3,893 $4,059
State Farm $1,188 $1,329 $1,400
Travelers $3,203 $3,624 $3,823
USAA $1,680 $1,846 $1,919

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

Wilmington, Massachusetts car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Wilmington, MA 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, Massachusetts

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 $2,205 $2,205 $2,205 $2,205 $7,977 $7,977 $2,476 $2,476
GEICO $1,901 $1,901 $1,765 $1,765 $5,734 $5,734 $1,962 $1,962
Liberty Mutual $2,753 $2,753 $2,397 $2,397 $9,244 $9,244 $2,879 $2,879
Progressive $2,224 $2,224 $2,135 $2,135 $8,479 $8,479 $2,409 $2,409
State Farm $902 $902 $902 $902 $2,514 $2,514 $902 $902
Travelers $2,811 $2,811 $2,486 $2,486 $5,773 $5,773 $3,128 $3,128
USAA $1,339 $1,339 $1,320 $1,320 $3,124 $3,124 $1,478 $1,478

Wilmington, MA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Wilmington, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,977 $7,977
GEICO $5,734 $5,734
Liberty Mutual $9,244 $9,244
Progressive $8,479 $8,479
State Farm $2,514 $2,514
Travelers $5,773 $5,773
USAA $3,124 $3,124

Wilmington, MA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Wilmington, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,205 $2,205
GEICO $1,765 $1,765
Liberty Mutual $2,397 $2,397
Progressive $2,135 $2,135
State Farm $902 $902
Travelers $2,486 $2,486
USAA $1,320 $1,320

Wilmington, MA Car Insurance Rates by Driver History

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

Annual Wilmington, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,880 $4,282 $4,820 $2,880
GEICO $2,277 $3,123 $3,563 $2,397
Liberty Mutual $3,406 $4,643 $5,592 $3,633
Progressive $3,204 $4,515 $3,577 $3,950
State Farm $1,033 $1,407 $1,675 $1,106
Travelers $2,767 $3,832 $4,087 $3,514
USAA $1,294 $1,679 $2,842 $1,446

Wilmington, MA Car Insurance Rates With a DUI

Even a single DUI can increase your Wilmington, MA 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, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,820
GEICO $3,563
Liberty Mutual $5,592
Progressive $3,577
State Farm $1,675
Travelers $4,087
USAA $2,842

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Wilmington, MA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Wilmington, MA 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, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,595 $3,836
GEICO $2,788 $2,893
Liberty Mutual $4,149 $4,488
Progressive $3,812 $3,812
State Farm $1,274 $1,337
Travelers $3,384 $3,716
USAA $1,765 $1,865

Wilmington, MA Cheapest Car Insurance Rates

How do the top Wilmington, Massachusetts car insurance companies’ average rates stack up against the Wilmington average monthly car insurance rates of $254? Take a look and see.

Best Annual Car Insurance Rates by Company in Wilmington, Massachusetts

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

Wilmington, MA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Wilmington, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,716
GEICO $2,840
Liberty Mutual $4,318
Progressive $3,812
State Farm $1,305
Travelers $3,550
USAA $1,815

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Other Factors Affecting Wilmington, MA Car Insurance Rates

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

Wilmington, MA Commute Time

How does your Wilmington, MA commute time compare with the average driver? In Wilmington, the average commute is 32.2 minutes.

Wilmington, MA Traffic

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

Wilmington, MA Car Insurance Quotes

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