Cheapest car insurance companies in Dover 

After an in-depth analysis, Insurance.com found that Nationwide and Travelers are the cheapest car insurance companies in Dover for 2023. 

Nationwide has the cheapest car insurance rates in Dover at an average cost of $1,412 per year.

Car insurance prices in Dover can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Dover drivers.

CompaniesAverage annual rates
USAA$1,341
Nationwide$1,412
Travelers$1,438
Geico$1,564
Progressive$1,904
State Farm$1,972
American Family$2,571
Donegal$2,584
Allstate$3,843

Cheapest car insurance cost in Dover by Age Group 

In Dover, Nationwide is the cheapest car insurance company for teenagers, offering full coverage policies at $4,568 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.

Geico is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Dover at about $2,253 per year

For Dover drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. Travelers provides the cheapest car insurance premiums, offering full coverage policies at $1,362 annually

If you are a senior driver in Dover and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,339 per year

CompanyTeensYoung AdultsAdultsSeniors
Nationwide$4,568$2,540$1,401$1,373
USAA$5,291$2,330$1,436$1,339
Geico$5,402$2,253$1,560$1,525
State Farm$5,941$3,342$1,985$2,003
Donegal$7,620$5,084$2,511$2,287
American Family$7,704$4,870$2,460$2,348
Allstate$9,591$5,563$3,778$3,841
Progressive$9,941$3,208$1,909$2,098
Travelers$10,482$2,907$1,362$1,416

Cheapest car insurance companies in Dover by driver profile 

Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Dover. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Dover that suits your budget. 

Here are some of the cheapest car insurance companies in Dover based on driver profile. 

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Dover drivers at about $1,566 per year

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
Geico$1,566
Nationwide$1,764
USAA$2,117
Travelers$2,468
Progressive$2,577
State Farm$3,705
Allstate$4,483

Based on recent data analysis, 30-year-old drivers in Dover with speeding tickets on their driving record can get the cheapest car insurance rates from State Farm at an annual cost of $1,298.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs. 

CompanyAverage annual premium
State Farm$1,298
USAA$1,495
Nationwide$1,828
Travelers$1,942
Progressive$2,046
Geico$2,418
Allstate$3,333

Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.

In a recent data analysis, Insurance.com found that USAA offers the cheapest car insurance rates for Dover drivers with at-fault accidents. It provides coverage at an average annual cost of $1,368.

CompanyAverage annual rates
USAA$1,368
State Farm$1,407
Travelers$1,559
Nationwide$1,884
Progressive$2,634
Geico$2,873
Allstate$5,026

State Farm is the carrier that offers cheap auto insurance rates in Dover for drivers after a DUI. Its average annual rate for full coverage is $1,298

Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.

CompanyAverage annual rates
State Farm$1,298
USAA$2,138
Progressive$2,654
Nationwide$2,759
Travelers$2,998
Geico$3,064
Allstate$4,711

Average car insurance cost in Dover 

In Dover, the annual cost of car insurance for the coverage level of 100/300/100 is $2,070 or around $173 per month. However, the average yearly rate for state minimum coverage in Dover is $714.

Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as

Average annual RatesState minimum average
$2,070$714

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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