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Car Insurance
Wilmington NC
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(888) 291-7830
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Written by: Andrew Brown
Quality Checked by: Samantha Reed
North Carolina is one of the most expensive states to buy car insurance. Wilmington North Carolina has some unique laws and regulations that can drive up the cost of premiums, making it difficult for drivers in the state to find an affordable policy. One factor driving up North Carolina’s insurance rates is its law requiring drivers to carry uninsured/underinsured motorist coverage. This type of coverage pays for damages if a driver without insurance causes an accident. As North Carolina doesn’t have any no-fault auto insurance laws on the books, this means that all drivers must be prepared for unexpected costs when filing a claim. Additionally, North Carolina residents also have to deal with higher premiums due to their location in the Southeast region which is known for its higher-than-average rates.
North Carolina’s high population density can also contribute to higher premiums, as more drivers on the road means a greater likelihood of an accident occurring. North Carolina is also one of a handful of states that imposes what is known as a “flat fee” when calculating insurance premiums. This means that the amount paid for coverage doesn’t take into account any other factors such as age or driving record. While this may seem unfair, it does tend to make Wilmington North Carolina’s auto insurance market slightly more competitive than other states with similar laws in place. By understanding why North Carolina car insurance rates are so expensive and shopping around for the best policy available, North Carolinians can still find great coverage without breaking the bank.
For Wilmington drivers, auto insurance rates are often determined by a variety of factors. Age is one of the biggest determinants of what you may pay for coverage. In North Carolina, young drivers tend to pay higher premiums due to their lack of driving experience and higher risk on the road. On the other hand, older drivers typically benefit from lower rates because they have more years behind the wheel and a history of safe driving.
Young Wilmington drivers under 21-years-old will generally pay more for car insurance than those over 25-years-old. The difference in premium pricing can be attributed to North Carolina's graduated licensing program which requires younger drivers to prove their skills before being granted full privileges and less restrictions on their policies.
Older Wilmington drivers tend to enjoy lower car insurance rates due to their proven driving skills and years of experience. North Carolina's insurance companies also consider that older drivers are more likely to drive defensively, obey traffic laws, and pay attention on the road. As a result, many North Carolina insurers offer discounts for mature drivers over the age of 55 or those with a clean driving record at least three years in length.
Overall, Wilmington drivers should expect to pay more for auto insurance coverage if they are younger than 25-years-old and less if they are over 25. However, it is important for all North Carolinians to shop around for the best rate regardless of their age in order to find the most affordable and comprehensive coverage.
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| Erie | Geico | Progressive | North Carolina Farm Bureau | State Farm |
| NAIC Market Share | 1.34% | 13.45% | 13.45% | 0.17% | 16.14% |
| S&P Global Ratings | AA | AA+ | A | A+ | AA |
| Average Full Coverage Yearly Premium | $1,178 | $582 | $712 | $1,246 | $1,322 |
| Discount Rating | 5 stars | 5 stars | 5 stars | 4 stars | 5 stars |
|
| Erie | Geico | Progressive | North Carolina Farm Bureau | State Farm |
| NAIC Market Share | 1.34% | 13.45% | 13.45% | 0.17% | 16.14% |
| S&P Global Ratings | AA | AA+ | A | A+ | AA |
| Average Full Coverage Yearly Premium | $1,178 | $582 | $712 | $1,246 | $1,322 |
| Discount Rating | 5 stars | 5 stars | 5 stars | 4 stars | 5 stars |
|
| Erie | Geico | Progressive | North Carolina Farm Bureau | State Farm |
| NAIC Market Share | 1.34% | 13.45% | 13.45% | 0.17% | 16.14% |
| S&P Global Ratings | AA | AA+ | A | A+ | AA |
| Average Full Coverage Yearly Premium | $1,178 | $582 | $712 | $1,246 | $1,322 |
| Discount Rating | 5 stars | 5 stars | 5 stars | 4 stars | 5 stars |
6784 Market St, Wilmington, NC 28405
(910) 796-8155
No website found
4210 Oleander Dr, Wilmington, NC 28403
(910) 395-5577
https://local.directauto.com/north-carolina/wilmington/4210-oleander-drive
720 Market St, Wilmington, NC 28401
(910) 762-9304
https://heinberginsurance.com/
4008 Oleander Dr, Wilmington, NC 28403
(910) 452-4333
https://ableautoinsurance.com/
1929 Carolina Beach Rd, Wilmington, NC 28401
(910) 726-1218
https://ableautoinsurance.com/contact/locations/wilmington-nc-carolina-beach-road/
29 S Kerr Ave, Wilmington, NC 28403
(910) 343-0030
https://www.atlanticcoastautonc.com/
North Carolina has a variety of auto insurance companies to choose from, and it can be difficult to decide which one will give you the best coverage for your needs. To help make that decision easier, we’ve compared some of the top Wilmington car insurance companies by their customer service ratings, financial stability, discounts offered, and coverage options. From here you can get an idea for what each company offers in terms of rates and benefits so that you can make an informed choice when selecting the right North Carolina auto insurer for you.
North Carolina is a great place to live, but it can be tough to navigate the auto insurance market. Two of the most popular companies offering car insurance in North Carolina are Geico and Allstate. Both provide reliable coverage for drivers in Wilmington, but there are some differences between them that should be taken into consideration when choosing an insurer.
Geico provides a wide range of coverage options and discounts for Wilmington drivers. They offer accident forgiveness, good driver discounts, anti-theft discounts, multi-car discounts, military discounts, and more. Their website also makes it easy to compare different plans so you can find the best fit for you.
Allstate offers Wilmington residents some unique coverage options. They have a teenSMART program that helps parents monitor their kids’ driving habits and rewards them for safe behavior. Allstate also offers accident forgiveness, multi-policy discounts, and other savings opportunities.
When it comes to Wilmington car insurance, Nationwide and Progressive are two of the most popular providers. Both companies offer competitive rates, robust coverage options and specialized discounts that can help North Carolinians save money on their premiums.
Nationwide offers Wilmington drivers a variety of auto insurance discounts, such as multi-car, safe driver, good student and more. In addition, they have a wide range of coverages for various needs. Their policies also come with access to 24/7 roadside assistance services in case you experience mechanical trouble or an accident while out on the road.
Progressive also has comprehensive Wilmington auto insurance offerings with tailored coverage plans to fit your budget. They provide a number of discount opportunities, including discounts for paying your policy in full or signing up for auto-pay. Their policies also come with access to a wide range of services and features such as accident forgiveness and rental car coverage.
| Driving Infraction Type | Average Annual Premium | Potential Quote Savings |
| DUI | $3563 | $1022 |
| Reckless Driving | $3499 | $997 |
| Wrong Way/Wrong Lane | $3464 | $948 |
| Driving on Sus. License | $3457 | $930 |
| Illegal Turn | $3244 | $890 |
| Failure to Obey Traffic Sign | $3163 | $883 |
| Speeding over 15 | $3045 | $850 |
| Defective Equipment | $3027 | $821 |
| Speeding under 15 | $2789 | $785 |
Driving infractions such as speeding, running a red light, or distracted driving can increase car insurance premiums in Wilmington North Carolina. Insurance companies view these types of violations as signs of riskier drivers and may raise rates accordingly. In North Carolina, having multiple traffic violations can be especially costly since North Carolina is one of the few states that allows insurers to consider an insured's entire driving record when determining rates. That means if you have racked up several tickets over time, your premium could be much higher than it otherwise would be. Since North Carolina also has a points system for traffic violations, more serious offenses will add up quickly. So if you are looking to save on car insurance, practice safe driving habits and obey all traffic laws. This will help you avoid costly insurance premiums and keep North Carolina roads safe.
| Credit Rating | Average Rate |
| Average of All Credit Ratings | $897 |
| Below Fair | $995 |
| Poor | $1016 |
| Worst | $1034 |
Having a good credit score is essential when trying to get cheaper auto insurance quotes in Wilmington. North Carolina law requires that all insurance companies use credit-based insurance scoring when determining rates for customers. Insurance companies are using this information to determine whether an applicant has the financial responsibility and stability to pay their premiums in full and on time.
A low credit score can lead to much higher auto insurance premiums, making it difficult for drivers with bad credit to find affordable coverage. However, even if you have poor credit, there are still several ways you can reduce your rates in Wilmington. For example, shopping around for different insurance carriers, taking defensive driving courses, or bundling multiple policies together are all viable options for North Carolina drivers.
Before making a purchase or signing up for coverage, Wilmington residents should consider their credit score and other factors that can affect the cost of auto insurance. While having a good credit score certainly helps, there are still ways to get lower rates even if your credit is not in the best shape. By being proactive and doing research on your options, North Carolina drivers can find competitively priced policies that suit their individual needs.
When purchasing a vehicle in Wilmington, it's important to consider the total monthly cost of your ride. This includes not just the loan payments, but also insurance premiums, fuel costs, maintenance expenses, and registration fees. Every month these various fees can add up so be sure you factor them into your budget when considering which vehicle to purchase. Don't forget to factor those extra costs into your budget! North Carolina has some great deals on vehicles that can fit any budget when you take into account all of the other related expenses. Make sure you keep this in mind when shopping for a car in North Carolina.
Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.
Wilmington drivers need to understand the difference between full coverage and liability only insurance. Full coverage includes comprehensive and collision coverage, as well as covers damages caused by uninsured motorist. This is typically the best option for North Carolina drivers because it provides them with protection in case of an accident, regardless of who is at fault. Liability only coverage on the other hand will only reimburse someone if they are found to be at-fault in an accident. While this may still provide North Carolina drivers with some level of protection, it does not cover damages caused by another driver or damage to their own vehicle. As such, North Carolina drivers should consider investing in full coverage insurance for increased financial security.
Additionally, North Carolina law requires that all drivers carry a minimum level of liability only insurance in order to be compliant with the law. Wilmington drivers should make sure to invest in a policy that meets these requirements, as failure to comply could result in fines and other penalties.
Ultimately, Wilmington drivers should carefully consider their options when choosing an auto insurance policy. While liability only coverage may be cheaper, full coverage can provide North Carolina drivers with greater financial security if they are ever involved in an accident or incident. With many reputable companies offering full coverage policies at reasonable rates, North Carolina drivers have plenty of options when it comes to protecting themselves and their vehicles. By understanding the differences between full coverage and liability only car insurance, North Carolina drivers can make an informed decision about which type of policy is best for them.
If you are a Wilmington driver, it is important to understand the state’s minimum car insurance requirements for financial responsibility. North Carolina requires motorists to carry Bodily Injury and Property Damage Liability coverage in the amount of $30,000 per person/$60,000 per accident and $25,000 per accident respectively. Motorists must also meet North Carolina’s Uninsured/Underinsured Motorist Insurance requirement of $30,000/$60,000 bodily injury coverage. By meeting these minimum requirements, North Carolina drivers will remain compliant with state laws while protecting themselves financially. Optional coverages such as Comprehensive and Collision may be beneficial depending on the individual situation. Be sure to contact your Auto Insurance provider to discuss any questions you may have regarding North Carolina Auto Insurance Laws.
It is important to remember that North Carolina’s minimum car insurance requirements are only the beginning of a solid auto insurance policy. Depending on your individual needs, it may be beneficial to purchase additional coverage options such as Comprehensive, Collision, and Underinsured/Uninsured Motorist coverages. Be sure to discuss these options with your insurance provider in order to select the right policy for your situation. It is also important to review and compare rates from various providers in order to ensure you are getting the best rate possible for coverage that meets your needs. Wilmington offers its motorists several different ways to satisfy their financial responsibility requirements in order to remain compliant with state laws while protecting themselves financially.
By following North Carolina’s Auto Insurance requirements, you will remain compliant with state laws while obtaining the coverage that is right for your individual situation. Be sure to contact your insurance provider to discuss any questions you may have regarding North Carolina Auto Insurance Laws. With a little research and comparison shopping, Wilmington drivers can find an affordable policy to meet their needs without sacrificing quality or protection.
North Carolina state law requires that all drivers, regardless of age, have auto insurance in order to legally operate a vehicle on North Carolina roads. While Wilmington does not require any additional coverages for teenage drivers beyond what is required for other drivers, North Carolina teen drivers should consider purchasing some additional coverage for extra protection.
Teenagers may want to add collision and comprehensive coverage to their policy, which can help protect them financially if they are involved in an accident or their car is stolen or vandalized. Liability coverage is also important; this type of coverage helps pay for legal fees and damages if your teen causes an accident. Wilmington teens should also consider adding uninsured motorist (UM) coverage to their policy; this type of coverage can help pay for medical and repair bills if the driver at fault does not have insurance.
Finally, Wilmington teen drivers may also want to look into discounts that could lower their overall cost of auto insurance. Some insurance companies offer good student discounts or safe driving discounts, so be sure to ask your insurer about these options. North Carolina teens should also remember to shop around to make sure they are getting the best rate possible on their auto insurance policy.
Wilmington Seniors in North Carolina have many options to choose from when it comes to car insurance. North Carolina requires that all drivers purchase liability coverage, which covers any damage you may cause while operating a vehicle. North Carolina also offers optional coverages such as comprehensive and collision, which can help protect your vehicle in the event of an accident or other covered peril.
It is important for Wilmington seniors to shop around and compare different companies to make sure they are getting the best rate possible on their car insurance policy. Many North Carolina insurers offer special discounts for seniors, including multi-car discounts, pay-in-full discounts and mature driver safety courses. Additionally, some North Carolina insurers offer loyalty programs specifically designed for senior citizens who have been with the same company for many years.
Seniors should also consider taking defensive driving courses to refresh their skills and potentially qualify for additional discounts. Wilmington insurers may offer a rate reduction if you take and successfully complete an approved safety course, which can help reduce your monthly premiums. Additionally, North Carolina law allows those over 65 who successfully pass an approved driver safety course to have their vehicle registration renewed at no cost every two years.
The North Carolina Department of Motor Vehicles (NCDMV) requires all drivers that have been convicted of certain traffic violations to carry an SR-22 insurance policy. Generally, if you've committed any of the following offenses in Wilmington North Carolina, you may need to obtain an SR-22:
If North Carolina requires that you file an SR-22 form, the DMV will notify you by mail. You'll need to file an SR-22 form with the North Carolina Department of Motor Vehicles for a specified amount of time before your license will be reinstated. Depending on the severity of your offense, that period can range from three months to five years. During this time, you must maintain your Wilmington North Carolina auto insurance policy with continuous coverage at all times in order to keep your driver’s license valid and avoid any legal penalties.
It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Wilmington, North Carolina. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Wilmington, NC. Related: How much is SR22 in North Carolina?
Bundling auto and homeowners insurance in Wilmington promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Wilmington insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.
While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Wilmington at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.
The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.
Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.
