Wilmington has 120,805 residents in 56,612 households. We list 46 insurance agencies in Wilmington. Here is what the local numbers say about the cover people here need.

Wilmington at a glance

46insurance agencies listed
52.4%of households rentRenters insurance
$383,800median home valueHome insurance
1989median year homes were builtRebuild cost calculator
8.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in New Hanover County

FEMA rates the overall natural hazard risk in New Hanover County, where most Wilmington agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Wilmington
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Wilmington
Winter weatherRelatively High
Ice stormRelatively High
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Wilmington

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in North Carolina

North Carolina requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $50,000 of property damage liability, often written 50/100/50. It also requires underinsured motorist coverage.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Wilmington How much liability cover do you need?

Source: ncdoi.gov, limits in force since 2025-07-01. Checked 2026-10-24.

Insurance companies Wilmington agencies work with

Of the 19 Wilmington agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Aetna5 agencies
Centene4 agencies
Nationwide4 agencies
UnitedHealthcare4 agencies
Cigna3 agencies
American Modern2 agencies
Atlantic Capital Life Assurance Company2 agencies
Blue Cross Blue Shield2 agencies
Cariten Health Plan2 agencies
CHA HMO,2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Wilmington agencies can write

Share of the 46 agencies listed in Wilmington that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Wilmington agencies are

Wilmington agencies we list sit in 6 ZIP codes, mostly in New Hanover County.

2840315 agencies
284129 agencies
284057 agencies
284116 agencies
284015 agencies
284094 agencies

Questions

Insurance agencies in Wilmington

How do I find an insurance agency in Wilmington?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Wilmington?

Most often life, health, accident & health, home, auto. Pick a type in the filters to narrow the list.

Which insurance companies do Wilmington agencies work with?

Among the 19 Wilmington agencies whose appointments we hold, the companies they are most often appointed with are Aetna (5), Centene (4), Nationwide (4), UnitedHealthcare (4), Cigna (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Wilmington?

FEMA's National Risk Index rates coastal flooding risk in New Hanover County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Wilmington?

52.4% of households in Wilmington rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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