Cost of Car Insurance in Wilmington, DE (2024 Cheapest + Rankings)

• Average car insurance cost in Wilmington is $2,412 per year, or $201 per month, for a full-coverage policy.
• Wilmington car insurance costs an average of $264 per year more than the Delaware state average and $529 per year more than the rate average for the entire United States.
• Auto insurance rates for a few popular models in Wilmington include the Mazda CX-5 at $164 per month, Toyota Corolla at $196, and Toyota Tacoma at $204.
• Compact crossovers like the Subaru Crosstrek, Hyundai Venue, Toyota Corolla Cross, and Chevrolet Trailblazer are the top choices for cheap car insurance in Wilmington.

What is average car insurance cost in Wilmington?

In Wilmington, the average cost to insure a vehicle is $2,412 per year, which is 24.6% more than the overall national average rate of $1,883. Per month, Wilmington car insurance costs around $201 for a policy that provides full coverage.

In the state of Delaware, the average price for car insurance is $2,148 per year, so the average cost in Wilmington is $264 more per year. When compared to other cities in Delaware, the average cost of insurance in Wilmington is around $462 per year more expensive than in Dover, $240 per year more expensive than in Middletown, and $172 per year more than in Newark.

The next chart shows examples of average Wilmington car insurance cost broken out for an assortment of driver ages, policy deductibles, and driver risk scenarios. Rates are averaged for all 2024 model year vehicles including luxury vehicles.

Average rates in the chart range from $2,006 per year for a 40-year-old driver with a discount rate policy to $5,548 per year for a 20-year-old driver who has a few accidents and violations and has to buy a high risk policy. The overall average rate we use for comparison of different segments, models, and locations is the 40-year-old safe driver rate, which has an average cost of $2,412 per year in Wilmington.

As a monthly amount, the average cost to insure a vehicle in Wilmington ranges from $167 to $462 for the same deductible limits and driver ages shown in the prior chart.

Wilmington auto insurance rates can have a wide range and can also be very different depending on the company. This wide range of possible rates emphasizes the need for accurate car insurance quotes when shopping online for more affordable coverage.

The age of the rated driver is the single-largest factor that determines the price you pay for car insurance, so the list below illustrates this by breaking down average car insurance rates based on the age of the driver.

Wilmington car insurance cost for drivers age 16 to 60

• 16-year-old driver – $8,592 per year or $716 per month
• 17-year-old driver – $8,324 per year or $694 per month
• 18-year-old driver – $7,461 per year or $622 per month
• 19-year-old driver – $6,794 per year or $566 per month
• 20-year-old driver – $4,854 per year or $405 per month
• 30-year-old driver – $2,574 per year or $215 per month
• 40-year-old driver – $2,412 per year or $201 per month
• 50-year-old driver – $2,138 per year or $178 per month
• 60-year-old driver – $2,004 per year or $167 per month

The cost to insure specific vehicles

The prior rates are averaged for all 2024 vehicle models, which is helpful when making broad comparisons such as the difference in average car insurance cost by location or driver age. For more complete rate comparisons, however, it makes better sense to do a rate analysis for the specific model of vehicle being insured.

In the next few sections, we explore car insurance rates for specific makes and models of vehicles, but for now, we will explore just a few popular models to find out how auto insurance rates stack up in Wilmington.

The next chart displays average insurance rates in Wilmington for some of the most popular cars, trucks, and SUVs.

The most popular vehicle models in Wilmington tend to be small or midsize cars like the Volkswagen Jetta, Toyota Corolla, and Kia K5 and compact and midsize SUVs like the Toyota RAV4, Honda CR-V, and Subaru Outback.

Other popular models from other segments include luxury cars like the BMW 530i and Infiniti Q50, luxury SUVs like the Acura MDX and Cadillac XT5, and models from the pickup truck segment like the Toyota Tacoma and Ram 1500.

We explore rates for lots more vehicles a little farther down this article, but before we get into those numbers, let’s make a quick review of the comparisons and key concepts we tackled so far in the article.

• Auto insurance costs less as you get older – Average car insurance rates for a 40-year-old driver in Wilmington are $2,442 per year cheaper than for a 20-year-old driver.
• Insurance for teenagers costs a lot – Cost ranges from $5,744 to $8,592 per year to insure a teenager in Wilmington.
• Auto insurance rates decrease a lot in your twenties – The average 30-year-old Wilmington driver will pay $2,280 less annually than a 20-year-old driver, $2,574 compared to $4,854.
• Wilmington car insurance rates are more expensive than the Delaware state average – $2,412 (Wilmington average) compared to $2,148 (Delaware average)
• Monthly car insurance cost ranges from $167 to $716 – That is the average auto insurance cost range for drivers from age 16 to 60 in Wilmington.
• Wilmington average car insurance cost is more than the U.S. average – $2,412 (Wilmington average) versus $1,883 (U.S. average)
• Lower deductible car insurance is more expensive than high deductible – A 40-year-old driver pays an average of $782 more per year for a policy with $250 deductibles compared to $1,000 deductibles.

Which autos have the cheapest car insurance in Wilmington?

When every make and model is compared, the vehicles with the best auto insurance quotes in Wilmington, DE, tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Toyota Corolla Cross. Average insurance prices for those compact SUVs cost $163 or less per month for full coverage.

Other models that come in near the top in our auto insurance price comparison are the Volkswagen Tiguan, Chevrolet Colorado, Honda CR-V, and Ford Bronco Sport.

Average auto insurance rates are a little bit more for those models than the cheapest compact SUVs and crossovers that rank at the top, but they still have an average insurance cost of $2,068 or less per year, or $172 per month in Wilmington.

The table below shows the vehicles with the cheapest overall insurance rates in Wilmington, ordered by cost.

A table showing 30 of the cheapest vehicles to insure in Wilmington serves the purpose if you just want the absolute lowest rates. Due to the fact that we track over 700 vehicles, a ton of models get left out.

So let’s take a different approach and display the models with the cheapest rates in Wilmington a better way, by vehicle segment. The following six sections list the vehicles with the lowest cost car insurance rates in Wilmington for each of the primary segments.

Cheapest car insurance rates in Wilmington

Ranking in the top five for the cheapest Wilmington car insurance rates in the car segment (excluding luxury models) are the Nissan Sentra, Honda Civic, Nissan Leaf, Toyota GR Corolla, and Subaru Impreza. Car insurance rates for these models average $185 or less per month.

Additional models that have affordable insurance rates include the Honda Accord, Hyundai Ioniq 6, Toyota Prius, and Chevrolet Malibu, with average annual insurance rates of $2,342 per year or less.

From a cost per month standpoint, full-coverage insurance on this segment in Wilmington for an average middle-age driver can cost as low as $175 per month, depending on where you live and the company you use.

When prices are compared by vehicle size, the lowest-cost compact car to insure in Wilmington is the Toyota GR Corolla at $2,096 per year, or $175 per month. For midsize cars, the Hyundai Ioniq 6 has the best rates at $2,216 per year, or $185 per month. And for full-size sedans, the Chrysler 300 has the best rates at $2,290 per year, or $191 per month.

The table below ranks the twenty cars with the cheapest average insurance rates in Wilmington, starting with the Toyota GR Corolla at $2,096 per year and ending with the Mazda 3 at $2,494 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see insurance rates for your vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Delaware.

Cheapest SUV insurance rates in Wilmington

The four most affordable non-luxury SUVs to insure in Wilmington are the Subaru Crosstrek at $1,782 per year, Chevrolet Trailblazer at $1,814 per year, Kia Soul at $1,884 per year, and Nissan Kicks at $1,902 per year.

Other SUVs that rank well are the Buick Envision, Ford Bronco Sport, Toyota Corolla Cross, and Hyundai Venue, with average rates of $1,976 per year or less.

From a cost per month standpoint, full-coverage insurance in this segment starts at around $149 per month, depending on your company and location.

If ranked by vehicle size, the cheapest non-luxury compact SUV to insure in Wilmington is the Subaru Crosstrek at $1,782 per year, or $149 per month. For midsize 2024 models, the Honda Passport has the best rates at $1,924 per year, or $160 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $2,266 per year, or $189 per month.

The table below ranks the twenty SUVs with the cheapest car insurance rates in Wilmington, starting with the Subaru Crosstrek at $1,782 per year ($149 per month) and ending with the Honda HR-V at $2,098 per year ($175 per month).

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Delaware.

Cheapest luxury car insurance rates in Wilmington

The top-ranked model in Wilmington for cheapest average insurance rates in the luxury sedan segment is the Acura Integra, costing $2,146 per year. Second place is the BMW 330i costing $2,456 per year, and coming in third is the Mercedes-Benz CLA250, at an average of $2,482 per year.

Also ranking in the top 10 are luxury cars like the Mercedes-Benz AMG CLA35, Cadillac CT4, Genesis G70, and Lexus ES 350, with an average car insurance cost of $2,538 per year or less.

Ranked from 10th to 20th place, models like the Lexus IS 350, BMW 228i, BMW 230i, BMW 330e, and Audi S3 average between $2,538 and $2,706 per year for insurance.

Auto insurance in this segment for a middle-age safe driver will start around $179 per month, depending on the company and where you live.

When prices are compared by vehicle size, the cheapest small luxury car to insure in Wilmington is the Acura Integra at $2,146 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is cheapest to insure at $2,482 per year. And for large luxury cars, the Audi A5 is cheapest to insure at $2,858 per year.

The table below ranks the twenty cars with the most affordable average car insurance rates in Wilmington, starting with the Acura Integra at $2,146 per year ($179 per month) and ending with the Audi S3 at $2,706 per year ($226 per month).

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see your luxury car? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Wilmington car insurance quotes from top companies in Delaware.

Cheapest luxury SUV insurance rates in Wilmington

Taking the top ranking in Wilmington for cheapest average insurance in the luxury SUV segment is the Acura RDX, coming in at $2,018 per year. Second place is the Lexus NX 250 at $2,134 per year, and coming in third is the Cadillac XT4, costing an average of $2,180 per year.

Rounding out the top 10 are SUVs like the Lincoln Corsair, Lexus UX 250h, Lexus NX 350h, and Mercedes-Benz GLB 250, with average annual insurance rates of $2,326 per year or less.

Some additional models that made the list include the Mercedes-Benz GLA250, Lexus NX 350, Land Rover Evoque, and Lexus RX 350, which average between $2,326 and $2,420 per year for auto insurance.

Full-coverage car insurance in Wilmington for this segment will start around $168 per month, depending on your company and location. The table below ranks the SUVs with the cheapest car insurance in Wilmington, starting with the Acura RDX at $2,018 per year ($168 per month) and ending with the Lexus NX 350 at $2,420 per year ($202 per month).

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see your vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Wilmington car insurance quotes from top car insurance companies in Delaware.

Cheapest sports cars to insure in Wilmington

Ranking highest for the lowest-cost Wilmington car insurance rates in the performance and sports car segment are the Toyota GR86, BMW Z4, Ford Mustang, Subaru WRX, and Mazda MX-5 Miata. Insurance rates for these 2024 models average $226 or less per month.

Additional models that have cheaper rates are the Nissan Z, Lexus RC F, Toyota GR Supra, and Subaru BRZ, with average insurance cost of $2,884 per year or less.

As a cost per month, car insurance on this segment in Wilmington for a middle-age safe driver starts at around $186 per month, depending on the company and where you live. The rate comparison table below ranks the twenty sports cars with the cheapest auto insurance rates in Wilmington, starting with the Mazda MX-5 Miata at $2,234 per year and ending with the Porsche Taycan at $4,086 per year.

Need rates for a different vehicle? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Wilmington.

Cheapest pickup insurance rates in Wilmington

The five cheapest pickup trucks to insure in Wilmington are the Chevrolet Colorado, Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. Auto insurance rates for these five models range from $2,066 to $2,342 per year.

Other pickups that have affordable average insurance rates are the Honda Ridgeline, Toyota Tacoma, GMC Canyon, and Hyundai Santa Cruz, with average annual insurance rates of $2,482 per year or less.

From a monthly standpoint, full-coverage insurance on this segment in Wilmington for a middle-age safe driver can cost as low as $172 per month, depending on your location and insurance company.

The rate comparison table below ranks the twenty pickups with the most affordable car insurance in Wilmington.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see rates for your pickup? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Delaware.

Saving money on auto insurance

Drivers should always be thinking of ways to reduce the monthly expense for car insurance, so study the money-saving ideas in this next list to see if you can save some money when buying car insurance.

• Save money due to your job. Just about all insurance companies offer policy discounts for occupations like college professors, high school and elementary teachers, doctors, accountants, architects, dentists, and others. By qualifying for an occupational discount, you may save between $72 and $234 on your yearly auto insurance bill, depending on the policy coverages.
• Get cheaper rates by avoiding traffic tickets. To get the cheapest car insurance in Wilmington, it’s necessary to avoid traffic tickets. As a matter of fact, just one or two minor driving infractions could result in increasing rates by as much as $642 per year. Major convictions like failing to stop at the scene of an accident could raise rates by an additional $2,242 or more.
• Buy vehicles with more affordable car insurance rates. The type of vehicle you drive has a significant impact on the cost of car insurance. For example, a Subaru Forester costs $2,544 less per year to insure in Wilmington than a Nissan GT-R. Insure vehicles with less performance to save money.
• Avoid accidents and save. Too many at-fault accidents can cost more, potentially by an extra $3,446 per year for a 20-year-old driver and as much as $1,004 per year for a 40-year-old driver. So be a cautious driver and save.
• Lower policy cost by raising deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• Research policy discounts to lower the cost. Discounts may be available if the insureds are homeowners, drive low annual mileage, take a defensive driving course, work in certain occupations, are claim-free, or many other policy discounts which could save the average Wilmington driver as much as $406 per year on their insurance cost.
• Shop around for better rates. Setting aside a few minutes to get some free car insurance quotes can save more money than you might think. Rates change quite often and you can switch anytime.