Wilmington Car Insurance

Everything You Need To Know About Car Insurance in Wilmington

As the midway point between New York and Washington, Wilmington, DE is constantly bombarded with heavy traffic. With three major interstates and thousands of travelers passing through each day, you really can’t afford to skimp on car insurance if you live in Wilmington.

Selecting the best auto insurance can be complicated. You have to navigate terms like liability, bodily injury and deductibles. Plus you have to make sure you choose a policy that meets the mandated state minimums. If you’re a little overwhelmed with the process, the Trusted Choice® Independent Insurance Agents can help. Our experienced agents can guide you through the best coverage options, providing quotes from multiple policies so you find a plan that is right for you.

Cost of Car Insurance in Delaware

  • National average cost per year: $1,311
  • Delaware average cost per year: $1,542
  • 13th most expensive auto premium in the U.S.

Wilmington car insurance is more expensive than the national average premium, but you can shave some money off your total cost with safe driver discounts, car security systems and incentives for green and hybrid vehicles. The Trusted Choice agents can help you find affordable auto insurance with the deepest discounts to save you time and money.

Delaware Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 15/30/10

If you want to drive in Delaware, the law requires that you purchase minimum liability coverage of $15,000 for individual bodily injury, $30,000 for all injuries in an accident and $10,000 for property damage per accident. Many motorists choose to purchase higher liability limits as an added layer of protection. If you are in an accident and the cost of your injuries exceeds your chosen limit, you will have to pay the rest out of pocket, so it really pays to invest in the highest coverage you can afford.

Number of Uninsured Motorists in Delaware

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Delaware drivers: 11.5%

Before you get behind the wheel, it’s important to stop and consider what would happen if you got into an accident and the driver at fault wasn’t insured. Could you shoulder the cost of repairs to your car? Would you be prepared to handle medical bills if you or a loved one were injured? Uninsured motorists are a serious threat to Wilmington drivers. Consider adding uninsured motorist coverage to your auto insurance policy so you have peace of mind that you’re always covered.

Number of Auto Thefts in Delaware

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Delaware: 1.57

Auto theft is a serious concern in Wilmington, especially with so many people crossing through from day to day. You can protect your car from theft by installing car alarms and always making sure the doors are locked, but there’s still no guarantee that you won’t become a victim. However, you can rely on the best car insurance policies to repay you for the cost of a stolen vehicle so you can get on with your life with minimum interruption. Make sure you choose a policy that includes theft coverage. 

Find a Great Wilmington Car Insurance Policy

Before you try to navigate the crazy traffic in Wilmington, make sure you have the best auto insurance on your side. The experienced agents at Trusted Choice can help you find the right policy by offering quotes from our wide network of coverage options. Our agents provide customized quotes and work with you to find the best discounts to make car insurance affordable. If you are looking for reliable Wilmington car insurance, contact the friendly Independent Insurance Agents at Trusted Choice today. 

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