Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Wilmington

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Wilmington Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

61Reviewed

38Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
16406 U.S. 17, Hampstead, NC 28443
  • Bundling Option
  • Motorcyle & ATV
  • Boats

Why choose this provider?

Brad Sizemore Insurance is a family owned agency since 1977 and a full-service agency offering various insurance products to Wilmington and the surrounding areas. They have access to over 65 carriers among all lines of business they service. It provides protection for car owners by crafting a policy that can cover bodily injuries and property damages, as well as protection against uninsured or underinsured drivers involved in the event of an accident. Brad Sizemore Insurance's primary goal is to make sure that the insurance keeps pace with the lives of its customers.

License Verified:

License: 6595451

North Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (467)
Facebook
5.0 / 5 (60)
Yelp
2.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
29 South Kerr Avenue, Wilmington, NC 28403
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Atlantic Coast Insurance Agency has been offering a wide range of insurance products to the people of Wilmington and all of Southeastern North Carolina since 2004. An independent firm, it employs professional agents who represent multiple financially sound and reputable carriers. They help design car insurance policies to protect vehicle owners from financial loss in the event of any auto-related distress covered by their protection plan. Atlantic Coast Insurance Agency also insures recreational vehicles like motorcycles, boats, and off-road vehicles.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (64)
Facebook
5.0 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4831 Port Loop Road Southeast, Southport, NC 28461
  • Bundling Option

Why choose this provider?

Coastline Insurance Associates is an insurance provider serving and operating in multiple areas in North Carolina, including Wilmington. It offers a wide range of insurance products and represents several established insurance carriers. Its agents are well-positioned to assist vehicle owners to find car insurance policies that will match their specific needs and preferences. Available insurance plans essentially have property, liability, and medical coverage, although clients may request more protection. Coastline Insurance Associates also offers home, business, and watercraft insurance. The agency was founded in 2010.

License Verified:

License: 1000093435

North Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (12)
Yelp
4.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4818 New Centre Drive, Wilmington, NC 28403
  • Motorcyle & ATV

Why choose this provider?

David Ward runs a State Farm agency in Wilmington to serve the needs of the residents in the metro. He specializes in providing personal insurance, including a car insurance policy that can safeguard individuals, families, and businesses in the event of an accident. Its possible inclusions are collision, comprehensive, car rentals, and rideshare coverages. Clients may also opt to merge their auto policy with their homeowners' insurance to maximize their savings. David Ward and his team have 100 years of combined experience in the industry.

License Verified:

License: 6583566

North Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
4.0 / 5 (31)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
720 Market Street, Wilmington, NC 28401
  • Bundling Option

Why choose this provider?

Based in North Carolina, Heinberg and Major Auto Insurance is a full-service independent insurance agency serving residents of Wilmington and nearby areas. It offers full coverage car insurance packages tailored to the clients' needs, background, driving experience, and kind of vehicle they plan to insure. It also provides a broad range of personal and commercial insurance products, from disability and long-term care insurance to commercial auto coverage and workers' compensation. Heinberg and Major Auto Insurance is an active supporter of Cape Fear Literacy Council.

License Verified:

License: 6597624

North Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Do you need car insurance in Wilmington for an older car with a low market value?

    Yes, car insurance is required for your older car with a low market value. Car insurance is required by law in Wilmington, North Carolina. This insurance ensures that victims of accidents caused by negligent drivers are compensated for their losses, regardless of the vehicle's age or market value. Compliance with these insurance laws is critical for meeting legal obligations as well as protecting yourself and others on the road.

  • What are the protections available with auto insurance policies in Wilmington?

    Liability coverage, which covers injuries and property damage caused to others in an accident; collision coverage, which pays for your vehicle's repair or replacement after an accident regardless of fault; and comprehensive coverage, which covers non-collision damage such as theft or vandalism. Optional protections such as medical payments, emergency road service, and insured/uninsured motorist coverage can be added to improve coverage and provide security in a variety of situations.

  • When might non-owner insurance be required for Wilmington drivers?

    Non-owner insurance may be required for Wilmington drivers wishing to obtain a driver's license in the state. This type of insurance is frequently mandated by the state as a form of financial responsibility, ensuring that individuals without vehicle ownership have liability coverage in the event of an accident while driving. In addition, new North Carolina residents seeking a driver's license and those seeking to reinstate a suspended North Carolina license may require non-owner insurance.

  • What factors influence the rates for car insurance in Wilmington?

    Your age and gender, marital status, location, credit score, and commute distance can all have an impact on your Wilmington car insurance rates. Furthermore, the vehicle's age, safety rating, engine size, theft rate, driving history, frequency of driving, and insurance provider selection can all have an impact on the rate. Insurance companies use these factors to assess risk levels, with safer drivers, vehicles, and locations often resulting in lower premiums, while riskier elements can result in higher insurance costs.

  • What are the common discounts that can help reduce your insurance premium in Wilmington?

    The multi-policy discount, which rewards combining home and auto insurance with the same carrier; the multi-car discount, which reduces per-vehicle costs when insuring multiple cars on one policy; the claims-free discount for a clean claims history; the advance quote discount for early quote inquiries; and the higher limits discount for choosing liability limits above a specific threshold. Because different carriers provide different discounts, it is critical to compare quotes.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.