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Get Cheap Car Insurance in Wilmington, NY
We monitor insurance prices, helping the average driver in Wilmington save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Wilmington
The chart below shows the cheapest car insurance company in Wilmington for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Wilmington Insurer | Monthly Cost |
|---|---|
| Kemper | $75 |
| Plymouth Rock Assurance | $100 |
| Safeco Insurance | $108 |
| Geico | $112 |
Savings for Every Kind of Wilmington Driver
Based on our extensive insurance data, we know the average Wilmington driver will save about 30% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $609 per year by choosing the right vehicle insurance company. Some Wilmington residents are paying out over $2,043 extra every year for auto insurance in Wilmington. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Wilmington, NY Savings / Yr. |
|---|---|
$609 |
|
$388 |
|
$776 |
|
$785 |
|
$1,924 |
|
$644 |
|
$1,025 |
Wilmington Car Insurance vs. New York
People living in Wilmington pay an average of 15.75% less than the typical driver in the state. The average driver in Wilmington can expect to pay about $1,482 per year, or $2,043 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Wilmington for most people.
Car Insurance Prices by Wilmington Neighborhood
Insurance Prices
Where is insurance cheapest within Wilmington?
The map shows insurance prices in and around Wilmington, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $21 per year within the city boundaries, with insurance premiums ranging from a high of $2,064 to a low of $2,043. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Wilmington.Pick the Best Car Insurance Company for You in Wilmington
The best car insurance provider for most drivers in Wilmington
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $609 over the average Wilmington car insurance company.
The best car insurance provider for Wilmington drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $388 over the competition.
The best car insurance company for Wilmington drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $776 better than other car insurance companies.
The best auto insurance for Wilmington drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $785 less each year.
The least expensive car insurance company for new and young drivers in Wilmington
In Wilmington, Progressive costs young drivers $1,924 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Wilmington
Progressive gave the largest car insurance discounts to married couples, averaging $644 saved each year compared to an average Wilmington couple's premiums.
The cheapest car insurance in Wilmington for drivers with bad credit
The best Wilmington car insurance company for customer service
Nationwide was the best company for customer service in Wilmington according to the NAIC.
Recent price drops
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The cheapest large national provider in Wilmington
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Wilmington driver can expect to pay about $183 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Wilmington, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Wilmington
What Influences the Cost of Car Insurance in Wilmington?
On average, car insurance in Wilmington is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Wilmington is 31 minutes, which is about the national average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Wilmington are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Wilmington is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Wilmington is $124 per month for minimum coverage and $170 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Upper Jay: Insurance costs 4.60% more
- Jay: Insurance costs 5.78% more
- Hawkeye: Insurance costs 1.03% more
- Black Brook: Insurance costs 2.40% more
- North Jay: Insurance costs 5.53% more
- Au Sable Forks: Insurance costs 4.41% more
- Keene: Insurance costs 3.13% less
- Franklin Falls: Insurance costs 0.78% more
- Union Falls: Insurance costs 1.08% more
- Lake Placid: Insurance costs 0.10% more
Cities with Similar Populations
- Dares Beach: Insurance costs 9.59% less
- Elizabeth: Insurance costs 24.47% less
- Eldridge: Insurance costs 22.17% less
- Economy: Insurance costs 42.05% less
- East Durham: Insurance costs 10.47% more
- Duff: Insurance costs 27.21% less
- Dry Creek: Insurance costs 39.65% more
- Dodge: Insurance costs 18.01% less
- Deason: Insurance costs 34.36% less
- Wall Lake: Insurance costs 37.30% less