Everything You Need to Know about Auto Insurance in North Carolina
Wilmington, located on the southeastern coast of North Carolina, is known for its historic charm, beautiful beaches, and vibrant downtown. It’s an official Coast Guard City and was the country’s first World War II Heritage City.
As one of the largest cities in the state, Wilmington is home to a diverse community of residents and visitors, making it important for all drivers to have reliable car insurance to stay protected while navigating city streets and highways.
All Wilmington drivers are legally required to carry auto insurance to operate a vehicle. For more information on car insurance in North Carolina, including average monthly premiums and penalties for driving without insurance in the region, keep reading below.
How Much Does Car Insurance Cost in Wilmington, North Carolina?
The cost of car insurance in Wilmington can vary based on factors such as coverage type, driving history, and vehicle make. On average, drivers in Wilmington pay approximately $109 per month for full coverage or $37 per month for minimum coverage.
By comparison, the average North Carolina driver pays $163 per month for full coverage and $50 per month for minimum coverage. This is lower than the US average of $223 for full coverage or $67 for minimum coverage.
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What Does Full vs Minimum Mean?
Full coverage insurance provides a higher level of protection by covering both liability and additional benefits like comprehensive and collision coverage. This type of policy helps cover damages to your car and others in the event of an accident.
On the other hand, minimum coverage is the bare minimum required by the state, covering only bodily injury liability and property damage liability. While minimum coverage may save you money on your premiums, it offers less protection in a serious accident.
Affordable Car Insurance Rates Comparison by Cities in North Carolina
To compare the average monthly premiums paid in cities across North Carolina, check out our breakdown below.
City | Full Coverage Insurance | Liability Insurance Coverage |
---|---|---|
Wilmington | $109 | $37 |
Greensboro | $116 | $38 |
Charlotte | $113 | $40 |
Raleigh | $119 | $41 |
Winston-Salem | $96 | $31 |
Affordable Wilmington Car Insurance Rates by Zip Code
Even within a city or county, your premium could vary. Check out the average monthly full coverage and liability insurance premiums across Wilmington’s top zip codes below.
Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
---|---|---|
28401 | $103 | $37 |
28402 | $103 | $37 |
28403 | $103 | $37 |
28405 | $103 | $37 |
28408 | $103 | $37 |
28409 | $103 | $37 |
28411 | $103 | $37 |
28412 | $103 | $27 |
Low-Cost Car Insurance Rates by Age in Wilmington
The cost of your car insurance can also depend on your age. Younger drivers often pay higher rates, while more experienced drivers benefit from lower premiums. See below for the average monthly premiums based on age group in Wilmington.
Age | Full Coverage Insurance | Liability Insurance Coverage |
---|---|---|
Teenagers | $234 | $87 |
20s | $132 | $44 |
30s | $109 | $37 |
40s | $108 | $36 |
50s | $105 | $35 |
60s | $101 | $35 |
70s | $107 | $38 |
*Note: Unless otherwise specified, data is compiled using male, aged 30, minimum liability coverage. Your rates may vary based on age, driving history, coverage type, or other factors.
Driving Conditions in Wilmington
Driving in Wilmington is scenic, but road conditions and traffic congestion can affect your overall driving experience. Monitoring traffic patterns and being alert to other drivers is crucial.
How Many Fatal Accidents Happen in Wilmington?
Wilmington has a relatively low rate of fatal car accidents compared to larger cities in North Carolina. However, it’s still important for drivers to stay alert and practice safe driving. Local authorities encourage safe driving practices, especially in areas with high traffic or limited visibility.
How Are the Road Infrastructure and Bridges in Wilmington?
Wilmington’s roads are generally well-maintained, and projects to improve traffic flow and safety are ongoing. Some bridges, especially older ones, may require additional attention to ensure structural integrity. The city works closely with the North Carolina Department of Transportation to keep roads and bridges in good condition, ensuring a safe driving environment for all residents and visitors.
Minimum Car Insurance Requirements in Wilmington
In Wilmington, as in the rest of North Carolina, drivers must meet the state’s minimum car insurance requirements. This includes:
- $30,000 – Bodily injury coverage, one person
- $60,000 – Bodily injury coverage, two or more people
- $25,000 – Property damage
What Are the Penalties for Driving Without Insurance in Wilmington, North Carolina
In North Carolina, liability insurance is required by law, and insurance companies must notify the state if your coverage is canceled or lapses. Here’s what you need to know:
- State Notification: If your insurance is canceled or lapses, the North Carolina Division of Motor Vehicles (NCDMV) will send you a notice.
- Response Time: You have 10 days from the date on the notice to respond.
Consequences of Not Responding:
- Your vehicle’s license plate may be revoked.
- You could face civil penalties, late fees, interest, and collections.
Penalties for Lapses in Insurance:
- 1st Lapse: $50 penalty
- 2nd Lapse: $100 penalty
- Subsequent Lapses: $150 penalty
- Restoration Fee: $50 to reinstate your registration
Note: Penalties are higher if you’ve had previous lapses within the last 3 years. Make sure you keep your coverage up to avoid extra fees!
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Factors Allowed in Wilmington Car Insurance Rates
Insurance companies consider several factors when calculating your premium. Some of the most common factors include:
- Age: Premiums vary based on age and risk profile.
- Driving history: A clean driving record can lower premiums, while accidents or violations can increase them.
- Location: Living in high-risk areas with more accidents or thefts can raise your premium.
- Type of vehicle: Luxury, sports, or high-performance cars typically cost more to insure.
- Deductible amount: A higher deductible generally lowers your premium, while a lower deductible increases it.
- Coverage amount: Higher coverage limits usually result in a higher premium.
What Happens if I Damage Property?
You are financially responsible for repairs if you damage someone’s property—whether it’s their car, a fence, or city-owned property. Your liability coverage will help pay for damages, but if you are found at fault for the incident, your insurance rates may increase after a claim is filed.
What Are the Best Discounts for Car Insurance in Wilmington, NC?
Saving on car insurance in Wilmington is easier than you might think. Take advantage of these common discounts to lower your premium:
Safe Driver Discount: Maintain a clean driving record and earn a discount for being accident-free.
Multi-Vehicle Discount: Insure more than one vehicle on the same policy for a lower rate.
Good Student Discount: Students with good grades can qualify for a discount on their car insurance.
Low-Mileage Discount: Drive less and pay less with a discount for low annual mileage.
Bundling Policies: Combine your home and auto insurance policies to save on both.
Vehicle Safety Features: Cars equipped with anti-theft devices and advanced safety features can earn you a lower premium.
Get an Online Quote for Car Insurance in Wilmington Today!

Whether you’re driving through historic downtown or heading to the beach, Wilmington offers plenty of scenic routes and busy roadways. Before getting behind the wheel, make sure you have the right coverage to meet North Carolina’s insurance requirements.
Ready to save on your car insurance? Freeway Insurance can help you find the best coverage options to fit your needs. Get started with a free quote online, visit us at a local office near you, or call us at 800-777-5620 for a personalized quote tailored to your needs.