Insurance Costs in Wilmington, NC
Auto insurance in Wilmington averages $1,395 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Wilmington, NC: What You Need to Know
Wilmington residents pay an average of $1,395 per year for full coverage auto insurance, which is Near the North Carolina state average and 16.7% below the national average.
With a population of 115,451, Wilmington is a mid-size city in North Carolina. Insurance rates here are typical for the state.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,395 | $116 |
| Standard Coverage (50/100/50) | $1,144 | $95 |
| State Minimum (30/60/25) | $586 | $49 |
Homeowners Insurance in Wilmington, NC
The average cost of homeowners insurance in Wilmington is $2,077 per year ($173/month), which is 14.1% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations. Coastal or storm-prone areas may see even higher rates due to hurricane and flood risk.
Renters Insurance in Wilmington, NC
Renters insurance in Wilmington averages $192 per year ($16/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other North Carolina Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Charlotte | $1,573/yr | $1,901/yr |
| Raleigh | $1,477/yr | $1,795/yr |
| Greensboro | $1,505/yr | $1,672/yr |
| Durham | $1,450/yr | $1,760/yr |
| Winston-Salem | $1,423/yr | $1,619/yr |
| Fayetteville | $1,477/yr | $1,584/yr |
| Cary | $1,204/yr | $1,848/yr |
| High Point | $1,423/yr | $1,549/yr |
How to Save on Insurance in Wilmington
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Wilmington can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Wilmington, NC?
The average cost of car insurance in Wilmington, NC is $1,395 per year for full coverage, or about $116 per month. Minimum coverage costs around $586 per year.
Is car insurance expensive in Wilmington?
Car insurance in Wilmington is relatively affordable compared to many U.S. cities.
How much is home insurance in Wilmington?
Homeowners insurance in Wilmington costs an average of $2,077 per year. Your actual cost depends on your home's value, age, construction type, and specific location.