Car Insurance in Wilmington

With car insurance in Wilmington, you've got a plan to cover major damage and medical bills for injuries after a car wreck.
Compare, shop and customize quotes from top-rated insurance carriers.

Zooming Around Wilmington

At nearly 71,000 residents. Wilmington stands as Delaware's largest city. There's always something to do when you're here. The city is home to the Delaware Art Museum, which houses a vast collection of pre-Raphaelite art, local artists' works, and a 9-acre sculpture garden. Get an up close and personal look at various animals at the Brandywine Zoo, which includes lemurs, bobcats and capybaras for your learning pleasure.

Wilmington is bisected by Interstate 95 which runs north-south, providing access to Maryland and Pennsylvania. This highway provides local access to many of the city's key destinations; however, locals can also use the city's public transit system, DART First State which offers bus and paratransit services. Still, these public transportation vehicles share the roads with drivers. When you consider that Wilmington is a part of the Greater Philadelphia metropolitan area with over 6 million residents. you can be sure there are many vehicles on the road. Car insurance in Wilmington can cover you if you're in an auto accident.

Staying in Control

In urban areas like Wilmington, traffic congestion and population density increase your risk of an auto collision. In recent years, there has been a statewide increase in auto collisions. including accidents that included fatalities, bodily injuries and property damage. In 2021, the total number of wrecks resulted in an estimated economic loss of $1.4 billion! Severe weather, particularly cyclones, coastal storms and snowstorms not only damage vehicles but also create hazardous driving conditions that lead to collisions.

Knowing What's Required

Vehicles registered to drive in Delaware must have these minimum liability coverages :

  • $25,000 for bodily injury per one (other) person
  • $50,000 for bodily injury for multiple (other) persons per accident
  • $10,000 for property damage per accident
  • $15,000 for personal injury protection for one person
  • $30,000 for personal injury protection for multiple persons per accident

Liability coverage is often insufficient for collisions that involve several vehicles and/or several injured persons. A more complete plan for car insurance in Wilmington should include these coverages:

  • Collision: Pays for all damage to your vehicle
  • Comprehensive: Covers non-collision losses such as theft, fire, vandalism, etc.
  • Medical payments: Pays out benefits for medical bills
  • Uninsured/underinsured motorist: Pays for losses involving another driver who is at fault, but has no insurance or a policy with low coverage limits

Your coverage limits should be based on your vehicle, your driving habits and your budget. VIU by HUB makes it easy to compare quotes from different insurers for a plan that works.

Covering Your Vehicle

Drivers in Wilmington can expect to pay $1,789 for a year of full coverage, on average. This is lower than the state average but above the national average of $1,730. Many factors shape your premium, primarily these:

  • Location: Drivers in the southern parts of Delaware generally pay less than those in the north.
  • Age: An annual premium for teenage drivers is significantly more expensive
  • Driving history: A history of good driving helps to lower your rates.
  • Gender: Within the same age group, men pay more for coverage than women.
  • Marital status: Single drivers usually pay more than married motorists.

Having a strong credit score also qualifies you for lower premiums. Drivers like you often qualify for one or more discounts that can help you keep your rates low. Take the potential savings even further when you compare rates and plans with VIU by HUB. Start your path to a better plan for car insurance in Wilmington today.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


US Census Bureau

Delaware Valley on Wikipedia

Delaware State Police

Delaware Division of Motor Vehicles


Auto insurance in Delaware by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.