Best Wilmington, DE Auto Insurance in 2024 (Review the Top 10 Companies Here)

The best Wilmington, DE auto insurance is from State Farm, Progressive, and Allstate, with full comprehensive coverage starting at $130/mo. Be sure to read further for our top ten list, as other insurers may be more inviting for cheap auto insurance in Delaware and in Wilmington.

Delaware auto insurance can vary greatly depending on where you live; this also applies within cities, especially in Wilmington, where ZIP code 19801 has some of the highest average insurance rates in the entire state.

Our Top 10 Company Picks: Best Wilmington, DE Auto Insurance

To get free Wilmington, DE auto insurance quotes from the significant providers today, input your ZIP code above to get quotations for cheap car insurance in Delaware in seconds.

#1 – State Farm: Best for Customer Satisfaction

Pros

• Good Customer Service: State Farm has positive customer service and claims satisfaction. In Wilmington, the service is quick and easy.
• Reputable Brand: State Farm is a well-established company across the USA, known for its strong reputation and financial stability. Check out the State Farm auto insurance review.
• Extensive Agent Network: Wilmington has several local State Farm agents, so policyholders can easily find an agent nearby for in-person support and personalized advice.
• Discounts: State Farm offers various discounts for good driving, bundling multiple policies, taking defensive driving courses, and using their Drive Safe & Save program, which could lower premiums.

Cons

• Higher Premiums: State Farm’s premiums are sometimes higher for younger, high-risk drivers than those of its competitors.
• Mixed Claim Processing Times: Some customers report slow claim processing. If you want to read more on State Farm, read the State Farm auto insurance review.
• Regional Rate Variation: Delaware has varying insurance rates, and Wilmington has higher rates due to higher accidents and insurance risk factors.

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#2 – Progressive: Best for Qualifying Coverage

Pros

• Competitive Rates: Progressive offers cheap rates for Wilmington drivers with a clean driving record. For more information, read Progressive’s auto insurance review.
• Range of Discounts: Progressive offers discounts in Wilmington, including good driving, bundling multiple policies, continuous insurance, and even a discount for total payments, which could help Wilmington drivers save.
• High-Risk Driver Options: Progressive focuses on high-risk drivers, which is useful considering Wilmington’s accident rates and higher-risk statistics.

Cons

• Higher Rates for High-Mileage Drivers: Progressive’s rates can increase for drivers with high annual mileage, which can result from constant commuting throughout Wilmington.
• Inconsistent Rates for Certain Drivers: Progressive’s rates vary widely depending on driving history and specific circumstances, so some drivers may find their premiums higher than expected.

#3 – Allstate: Best for Drivewise Programs

Pros

• Extensive Discounts: Allstate offers various discounts, including multi-policy, safe driving, new car, and loyalty discounts. Their Drivewise program, which rewards safe driving, can also help lower premiums.
• Accident Forgiveness: With Allstate’s optional accident forgiveness, your rate won’t go up after your first accident, which can be a nice safety net for Wilmington drivers.
• Claim Satisfaction Guarantee: Allstate offers a unique claim satisfaction guarantee, such as a refund if unsatisfied with the claims process. If you want to read more, check the Allstate auto insurance review.

Cons

• Higher Premiums: Allstate’s premiums are typically higher, especially for younger or high-risk drivers, which may be a drawback for Wilmington drivers looking to save.
• Policy Options May Increase Costs: While accident forgiveness and deductible rewards are beneficial, they often come with added costs that may raise the overall premium.

#4 – Nationwide: Best for Strong Reputation

Pros

• Vanishing Deductible: This feature reduces your deductible over time for safe driving, which benefits Wilmington drivers who maintain a clean driving record.
• Strong Financial Stability: Nationwide has a good reputation for financial stability, which gives policyholders confidence in the company’s ability to pay out claims.
• Good Customer Service: Nationwide offers responsive customer service and positive claims handling. Read our Nationwide auto insurance review to learn more about their service.

Cons

• Limited Local Agent Presence: Nationwide may have fewer agents in Wilmington. Nationwide may not be the right choice if you prefer face-to-face interaction.
• Inconsistent Rates Based on Location: Rates can vary significantly based on ZIP code and local factors in Delaware, so some Wilmington drivers may find premiums higher than expected.

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#5 – Travelers: Best for Flexible Options

Pros

• Wide Range of Discounts: Travelers offers various discounts, including multi-policy, hybrid/electric vehicle, good student, and safe driver discounts, helping Wilmington drivers save on their premiums.
• IntelliDrive Program: Travelers’ usage-based IntelliDrive program monitors driving habits and can reward safe drivers with additional discounts, which can benefit careful drivers in Wilmington.
• Solid Coverage Options: Wilmington drivers can get flexible options like accident forgiveness, new car replacement, and gap insurance. Read more on coverage options with Travelers auto insurance review.

Cons

• IntelliDrive Privacy Concerns: IntelliDrive monitors driving habits, which might feel intrusive for some Wilmington drivers who are concerned about data privacy.
• Potential Rate Increases Post-IntelliDrive: Travelers’ IntelliDrive can lead to rate increases if driving habits are assessed as risky, which might be a disadvantage for some Wilmington drivers.

#6 – Geico: Best for Affordable Premiums

Pros

• Affordable Premiums: Geico is known for competitive pricing, making it one of the cheaper options for Wilmington drivers, especially those with good driving records.
• Wide Range of Discounts: Geico offers various discounts for potential savings, such as multi-policy, good driver, military, federal employee, and good student discounts.
• Customer Service: Geico’s fast and efficient 24/7 customer service is a bonus for Wilmington residents. Check out the Geico auto insurance review for more on Geico’s service.

Cons

• Fewer Customization Options: Geico offers fewer add-ons, which might not meet the needs of Wilmington drivers seeking extensive coverage.
• Rate Increases Over Time: Some customers report that Geico’s rates can gradually increase, which may concern Wilmington drivers looking to lock in consistently low rates.

#7 – American Family: Best for Personal Service

Pros

• Comprehensive Discounts: American Family offers many discounts, including multi-policy, good driver, loyalty, good student, and young volunteer discounts, allowing Wilmington drivers to save in several ways.
• Unique Coverage Options: American Family provides accidental death and disability coverage, gap insurance, and original equipment manufacturer (OEM) coverage.
• Flexible Payment Options: AmFam offers payment plans throughout the year, helping Wilmington customers manage their budgets. Read the American Family auto insurance review to understand the options available.

Cons

• Limited Availability: AmFam’s agent network is more limited in the area, which is a problem for Wilmington residents who prefer in-person service.
• Inconsistent Discounts and Coverage Options by State: Some discounts and optional coverages may not be as widely available in Delaware as in other states, which can be frustrating for Wilmington residents looking for specific features.

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#8 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Coverage Options: Liberty Mutual offers a variety of unique coverage options, including new car replacement and better car replacement, to help Wilmington drivers find policies suited to their needs.
• Discount Variety: Liberty Mutual provides multiple discounts, such as multi-policy, safe driver, good student, and military discounts, which can help Wilmington residents save on premiums.
• Better Car Replacement Option: This unique feature replaces a totaled car with a one-year-old newer model with 15,000 fewer miles, which can be especially helpful for drivers seeking enhanced vehicle protection.

Cons

• Higher Premiums for Some Drivers: Liberty Mutual’s rates can be higher than those of competitors, especially for younger or higher-risk Wilmington drivers.
• Mixed Customer Service Reviews: Liberty Mutual receives mixed reviews for customer service and claims handling. Check Liberty Mutual auto insurance review for their customer service reviews.

#9 – USAA: Best for Military Benefits

Pros

• Competitive Premiums: USAA is known for affordable rates, particularly for military members and their families, and it often offers lower premiums than other insurers for Wilmington residents eligible for membership.
• Excellent Customer Service: USAA consistently ranks high in customer satisfaction for claims processing, billing, and customer support, providing peace of mind for Wilmington policyholders.
• Broad Range of Discounts: USAA offers several discounts, including safe driver, defensive driving, multi-policy, good student, and military-specific discounts, allowing qualified drivers to save even more.

Cons

• Membership Restrictions: USAA auto insurance is available only to active military members, veterans, and their families. This eligibility requirement limits access for non-military Wilmington residents.
• Limited Coverage Options: USAA may lack some specialized coverage options offered by competitors, which may not meet the needs of all drivers. Check out the USAA auto insurance review to know what is on offer.

#10 – Farmers: Best for Community Focus

Pros

• Discount Opportunities: Farmers offers a range of discounts, including safe driver discounts, good student discounts, and discounts for having safety features in your vehicle. These discounts could be beneficial given Delaware’s relatively high auto insurance premiums.
• Good Customer Support: Farmers is known for its responsive customer service, including local agents and online options. Check out the Farmers auto insurance review for more.
• Claims Forgiveness and Accident Forgiveness Options: Farmers offers add-ons like claims forgiveness and accident forgiveness, which could be valuable if you’re concerned about premium increases following an accident.

Cons

• Limited Availability of Local Agents in Smaller Towns: If you live in a smaller area near Wilmington or prefer working closely with an agent, you may have fewer options.
• Potential Rate Increases for Minor Violations: Farmers may increase rates following even minor violations or claims, and given Delaware’s already high insurance rates, any increase could be substantial.

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Auto Insurance Coverage Requirements in Delaware

Like most states, Delaware requires liability coverage on all auto policies. Unlike most states, however, they also need Personal Injury Protection. This type of insurance covers “no-fault” accidents, especially if you incur medical expenses due to such an accident.
Wilmington, DE Auto Insurance Coverage Requirements

The table above shows what you need to drive legally in Delaware. Average monthly rates in Delaware can reach as high as $132 per month for some motorists. However, in Wilmington, you can get a pretty 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.

Cheapest Auto Insurance Wilmington, Delaware

There are various companies, including Progressive Insurance, in Wilmington, Delaware. However, Nationwide, State Farm, and Travelers offer the most competitive Wilmington, DE auto insurance rates. These are essential questions before choosing a Wilmington, Delaware, auto insurance company based on low rates alone.

Wilmington, DE Auto Insurance Monthly Rates by Provider & Coverage Level

Wilmington, DE auto insurance companies contemplate different factors when determining insurance premiums, including driving violations, accident claims, credit score/rating, years of driving experience, and multiple cars and drivers.

Also, remember that premiums differ among Wilmington, Delaware, car insurance companies. To determine whether you’re still paying the most favorable rate, use our comparison tool below to compare insurer quotes not just in Wilmington but for other areas in Delaware and more.

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 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 significantly impact your auto insurance rate. Your ZIP code is a huge factor, as the area can be much higher due to traffic, accident rates, and crime. ZIP code 19801 has some of the highest average insurance rates in all of Delaware.

Wilmington, DE Auto Insurance Monthly Rates by ZIP Code

Generally, car insurance is cheaper in rural areas because fewer cars mean a smaller chance that you will get into a collision with another vehicle.

Automotive Accidents

If you live in a city where accidents happen frequently, you will likely face higher monthly insurance rates, leading to the need for high-risk insurance coverage.

Wilmington, DE Fatal Accidents

Luckily for Wilmington drivers, the accident rate is relatively low, even for a city with such a robust population. This can lead to some significant savings.

Auto Thefts in Wilmington

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models and vehicles parked often in large cities are attractive to thieves.

The total number of stolen vehicles in Wilmington was 371 back in 2013. This marks a substantial drop in theft from previous years.

Wilmington, DE Liability vs. Comprehensive Auto Insurance Monthly Rates

However, if you are still uncertain, you can add Comprehensive coverage to your policy to protect against theft. This way, you will always be covered. Make sure to check out the comparison tool below to compare quotes for comprehensive coverage.

Your Credit Score

High or low credit scores can seriously influence your monthly insurance payments. Good credit scores are rewarded with significantly lower rates.

Wilmington, DE Auto Insurance Monthly Rates by Credit Score

Poor credit scores, on the other hand, might pay double (or more) what you would pay with a better credit history. How your credit scores affect insurance premiums can surprise you with the difference it can make.

Your Age

Your automotive insurance gradually gets cheaper over time because your experience behind the wheel makes you less likely to get into an accident.

Wilmington, DE Auto Insurance Monthly Rates by Provider, Age, & Gender

However, younger drivers’ lack of experience puts them at a much higher risk. Because they are so risky to insure, they must pay higher monthly premiums. Therefore, looking for car insurance for teenagers or young adults requires a bit more specialization on the part of insurers who appreciate younger drivers.

Your Driving Record

Accident Forgiveness is a new type of discount that more insurance providers are beginning to offer. It’s an extra safety net for your first offense or violation on the road.

Wilmington, DE Auto Insurance Monthly Rates by Driving Record

It lets you virtually erase a minor traffic citation from your record, lowering your monthly premium. However, it is unlikely to work for more severe violations, such as DUI or reckless driving.

Your Vehicle

Most people don’t realize that insuring luxury cars costs more than the vehicle itself—it’s the numerous types of coverage (and in higher amounts) you must purchase to protect your investment and raise the price tag, as you can see in the chart.

Wilmington, D Auto Insurance Monthly Rates by Vehicle Make & Model

A Porsche Spyder and a Honda Accord can be the difference between breaking the bank. You need to be able to afford the car’s running costs and the insurance. Then, there’s the advent of autonomous vehicles, which will change people’s driving habits and insurance prices.

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Minor Factors in Cheap Auto Insurance in Wilmington, Delaware

You might want to be mindful of the 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. The most obvious choice is to bundle your and your spouse’s auto policies under the same company. Newlyweds also have discounts that can save 5% from some insurers.

You can bundle those for further discounts if that company offers other insurance—such as boating, homeowners, or life insurance.

 

Your Driving Distance to Work

The average commute time for a worker in Wilmington is 17-29 minutes. Of those workers, 60% drive to work in their vehicle; 17% prefer to carpool. If you can help, avoid registering your car as a business vehicle.

Those vehicles are charged 10-12% higher rates than those driven for work, school, or recreation, so you may need to consider comprehensive or collision coverage for what you need.. Also, yearly mileage is a reasonably negligible factor—whether you 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 soon? Then, talk to one of your Wilmington, DE auto insurance agents about raising your deductible.

Auto Insurance Discounts From the Top Providers in Wilmington, DE

It’s a great way to lower your monthly premium and save money. But put a little extra aside—just in case you have to file a claim. Numerous car insurance discounts that can apply to Wilmington can stack together to lower your monthly premiums further.

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 car insurance? It’s a more lucrative discount than you might get from 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. If you need tips as a student, we have car insurance for students savings guide available at your fingertips.

The First State’s Bustling City Needs Great Car Insurance

With the best Wilmington, DE auto insurance list finished, what information can you take away? First is State Farm, which is the cheapest and the best on the list for customer satisfaction. Second, whatever insurer you choose, ensure it’s the right vehicle insurance with its available policies.

Third, just because it’s cheap doesn’t mean it’s the best. Lower coverage will not save you in a big accident; consider full comprehensive. Lastly, enter your ZIP code below into our comparison tool to help guide you in finding insurance quotes in seconds. Use every tool available to you to get the right insurance for your car.