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Cheap Car Insurance in Wilmington, North Carolina

Locate cheap car insurance in Wilmington, a port city in southeast North Carolina. Located on the Cape Fear River, Wilmington is the home of the World War II Battleship USS North Carolina as well as the University of North Carolina-Wilmington, and the Cape Fear Museum. The city in November of 2018 celebrated the completion of its 1.75-mile Riverwalk, a tourist attraction more than 30 years in the making. The project, which includes a boardwalk, was built in segments beginning in 1980. Wilmington’s EUE Screen Gems Studios is the largest U.S. TV and movie production facility outside California, and movies such as “Iron Man 3” and the TV show “Dawson’s Creek” were produced there. Wilmington’s population is 117,525, and tourism is a vital part of its mixed economy.

Driving Conditions in Wilmington

Interstate 40 ends just north of Wilmington, and takes northbound drivers into Raleigh about 130 miles away. As far as regular traffic congestion, Wilmington drivers have it a bit easier than drivers in other cities its size. The average commute time for Wilmington is 17 minutes, according to a U.S. Census Bureau, nearly eight minutes shorter than the national average. North Carolina travel information is also available by calling 511, an automated system that provides free updates.

Unique Laws in Wilmington

North Carolina Gov. Roy Cooper in 2017 signed into law the state’s new “brunch bill,” which allows restaurants begin serving mimosas, Bloody Marys and other alcoholic beverages at 10 a.m. on Sundays instead of noon. The only catch is that local government boards must first approve the measure to enact it, which Wilmington city leaders promptly did in July 2017.

Happy hours are prohibited in North Carolina except for food specials. In more odd-sounding laws, it is illegal to Rollerblade on state highways or drive on sidewalks in North Carolina. Bingo games may not last longer than five hours and elephants can’t legally be used to plow cotton fields.

Wilmington Crime Statistics

Data compiled by the Federal Bureau of Investigation for 2016 shows 759 violent crimes in Wilmington, 15 of which were murder or manslaughter. The local violent crime rate of 644 offenses per 100,000 residents is above the national average of 386 offenses per 100,000 residents.

The property crime rate in Wilmington was 4,048 offenses per 100,000 residents, also above the U.S. average of 2,451 incidents per 100,000 residents.

Within the city, 275 vehicles were stolen in 2016, FBI data shows, a rate of 233 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Wilmington Safety Requirements

North Carolina mandates drivers and all passengers wear seat belts. Children under age 16 must ride in an appropriate restraint – a seatbelt for those age 8 or over 80 pounds, or a car seat or booster seat for those under age 8, according to the North Carolina Department of Transportation. For more on child safety restraints, visit Drivers under 18 are prohibited from talking on a cellphone while driving unless it is an emergency, or when talking to a parent or spouse. All drivers in North Carolina are prohibited from texting while driving.

Wilmington Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 percent or higher are charged with driving while impaired, or DWI, according to the North Carolina Department of Public Safety. The limit is .04 for drivers of commercial vehicles. For drivers who are under 21, no amount of alcohol is legal, according to the NCDPS. There are five “levels” of sentencing for DWI in North Carolina. They range from the most serious, being a 1, to a first offense, which is a 5. If convicted, “Level 5” first offenders face a minimum punishment of up to $200 in fines and jail time from 24 hours to 30 days. A person convicted of DWI will have his or her license suspended for at least one year. Regardless of your background, you can still find cheap auto insurance in Wilmington, N.C.; contact us for quotes and comparisons.

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  • Allstate Insurance: David Ager


    David Ager

    Insurance agency, home insurance, auto insurance, car insurance, life insurance, motorcycle insurance, recreational vehicles insurance, boat insurance, renters insurance, business insurance

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    Allstate agent david ager serving wilmington, nc is committed to helping you find the best quote for your auto insurance, car insurance, motorcycle insurance, recreational vehicles insurance, boat insurance. Meet one of our insurance agents to get a quick insurance quote.

    • Discount and Special Program offered Safe Driver Good Driver Multi Line Discount Accident Free Smart Driver Multi Line Discount Student Driver

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    4837 Carolina Beach Rd Ste 101 Wilmington, Nc
    Wilmington, NC 28412

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  • Don Bullard

    4709 Oleander Dr
    Wilmington, NC 28403

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    Don Bullard saved us about $400 on our homeowners insurance after our former company stuck us with a huge premium and then cancelled the policy. He’s an independent agent so he could shop the policy around — we’ve had homeowners insurance for almost 15 years and we didn’t know we had any options. I think alot of people are like us and believe that car and home insurance rates are standardized or regulated by the state. We found out that we actually have CHOICES and that there ARE companies that are willing to insure ‘coastal’ homes without those ridiculous rates. Now our coverage is better with this new company.

    We did need to make some property improvements though, but Mr. Bullard gave us a basic list. These were minor things like painting some trim and raking leaves, stuff we should have done last year! So the agency gets a plus on customer service or maybe education, to boot. He spent a lot of time with my husband and me going over the policies and our choices. It was surprising in the level of service we’ve sadly become used to (and even more surporising in how ignorant we were) – I’d almost forgotten that this is the way we did business just five or 10 years ago — face to face.

    Who knows how much we could have saved over 14 years? That’s the thought that gives me nightmares. Based on this, I asked Don to review our car insurance and some other policies and last week I got the news. Altogether, this local insurance agency has cut more than a thousand from our usual insurance bills and premiums and without steering us to any second-rate providers. The providers have very good credentials and all of them are approved by the state.

    PS. Don’s staff returns calls and he does too. When you call, somebody really does answer the phone.

    Annie Rhoades

    I decided tonight to start reviewing companies that make me happy lately. There aren’t many like Don Bullard, so it’s a lot faster than rating one or two other Wilmington insurance competitors with criticism … not only will I complete my ratings before my favorite show, I expect a better night’s sleep — and that’s about feeling good rather than feeling mean, spiteful and critical. Besides, it was the challenged Big Insurance nightmare, BigStore no-service and BigBankorBust fees that drove me to find new companies and my new insurance agent. My challenge started a few months ago when I got my annual ‘thank you’ letter from my insurance company — the same one I’ve had for years. Of course the letter thanked me for 14 years of loyalty … asked about coverage … thanked me again! If you’re a homeowner, you know this letter, right? It’s similar to the one from your health insurance company that leaves a P.S. on the upcoming rate increase. I anticipated the homeowner insurance hike. But I sure didn’t expect the double or nothing bill that followed the ‘customer service inspection.’ If I could find that letter I’d put the term in quotation. Because I don’t think inspection was about the level of customer service or a courtesy arising from my service record or loyalty. Ha! Despite my record – never filed the first claim – what followed was cancellation. Once, twice, three times (they’re out). It’s no surprise that the Bigs are canceling coastal policies. Since my house isn’t close to water or in bad shape, I never realized the challenge would grow to a no-choice policy that carried a premium on par with my mortgage. Yikes! My neighbors have had the same problem and we decided we’d split up the yellow pages and call around. Somebody talked to Don Bullard and I’m surprised we didn’t all crowd the lobby the same day. Actually, I really didn’t expect much difference in the premium, and perhaps my former company could have come close — if only the agent had listened. In my opinion, the difference was Don. He sat down with us most of an afternoon, reviewed our policy, coverage, needs, risk AND the budget. Even better, he explained the inspection procedure that most insurance companies have adopted. Well, you don’t know what you don’t know and homeowners: this is stuff you need to know! We found out that the little stuff was adding up into a really big bill. Don said that the policy cost, in part, gauges risk — something like that anyway, I don’t know insurance agent speak. Anyway, he helped us create a list to impact our ‘report card’: moving the bikes off the porch, painting trim, even cleaning up a pile of leaves raked early fall. I think my prunings dated to 2008 … I’ve noticed our neighbors are pleasantly engaged. Mr. Bullard also compared rates among smaller companies. He said that big companies, though better known, cover more homes so they actually have greater risk – something like that anyway. I suppose risk = cost. The company he recommended was one we had never heard of, but their credentials are sound, and they’re approved by the state. Overall, we’re getting much more for lots less. In addition to the hundreds saved with our new homeowner policy, we also walked away with better coverage … not to mention the knowledge gained. Who knows how much we could have saved over 14 years? That’s the thought that really gives me nightmares. Now, Don Bullard Insurance is shopping our car insurance around. Don and another agent so far have cut more than a thousand from our total insurance bills. Lately, I’ve found other independents like Don — they’ve saved me money and headaches… American Tool, Music and More, Fresh Produce Stand … They don’t always have everything that’s all about convenience. Still, somebody’s able to make decisions without calling corporate, they call back and they’re not afraid to say: I don’t know. There’s more I like: somebody almost always answers the phone.

  • David Ward

    4818 New Centre Dr
    Wilmington, NC 28403

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    I would not recommend this office to anyone due to multiple mistakes and poor service by the office personnel. After being with this office for a number of years, and getting into a bind, they where not there to assist me and my wife when needed. The main office of State Farm would also not assist me due to being a client of David Wards and having to go through him only. That is a little difficult when the office is closed on a weekend and all you can get ahold of is the main office, which was of no assistance at all.

  • Tim Moore

    7016 Market St Ste A
    Wilmington, NC 28411

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    Great place to buy insurance-great service. Not sure if they are the cheapest and dont care!

  • Harmon W Mishoe

    929 S College Rd
    Wilmington, NC 28403

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  • Aac Insurance Group

    3009 Market St
    Wilmington, NC 28403

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    I used AAC for my Homeowners Insurance. They got me great rates and they were very quick. I was very satisfied with the service. They did a great job helping me for both of my condos in Charlotte and Wilmington. . 🙂

  • Azalea Insurance Services

    4655 Peachtree Ave
    Wilmington, NC 28403

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  • Able Auto & Cycle Insurance Agency

    4209 Oleander Dr
    Wilmington, NC 28403

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    Best insurance agency ever! They save their customers soooo much money! Their fast and friendly. They even do polices by fax 24 hours a day! I recomend to everyone! They have been in business for almost 20 years, i found out!

    I would recomend this agency to anyone. The are always smiling every time I go into the office. They have shopped my renewal two different times and found me a cheaper rate with another company. Great Service!

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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