Average car insurance cost in Dover

The average car insurance rate in Dover for full coverage is $2,070 per year or $173 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Dover is $714 per year. The state minimum liability limits are 25/50/10.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$1,035
Average annual premium$2,070
State minimum premium$714

Cheapest car insurance companies in Dover

Nationwide offers the cheapest rates on average at $1,412 per year. Travelers is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices 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 drivers in Dover.

CompanyAverage 6 month rateAverage annual rate
Nationwide$706$1,412
Travelers$719$1,438
GEICO$782$1,564
Progressive$952$1,904
State Farm$986$1,972
American Family$1,286$2,571
Donegal Insurance$1,292$2,584
Allstate$1,922$3,843
USAA$670$1,341

Cheapest car insurance cost in Dover by age group

Car insurance rates in Dover vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Dover by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Nationwide
  • Cheapest for young adults: GEICO
  • Cheapest for adults: Travelers
  • Cheapest for seniors: Nationwide

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Nationwide offers the cheapest car insurance for teens at $4,568 per year.

GEICO offers the most affordable auto insurance for young adults at $2,253 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Travelers provides the lowest car insurance rates at $1,362 per year for adult drivers in Dover.

Nationwide offers the least expensive car insurance for senior drivers in Dover, at $1,373 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

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

Cheapest car insurance companies in Dover by driver profile

Car insurance rates in Dover vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Dover by driver profile.

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Dover pay about $1,901 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Dover.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$951$1,901
GEICO$1,177$2,354
Travelers$1,241$2,482
Progressive$1,594$3,187
American Family$2,401$4,801
State Farm$2,586$5,171
Allstate$3,071$6,141
USAA$1,267$2,534

Cheapest auto insurance after an at-fault accident: Travelers

In Dover, Travelers offers the cheapest car insurance for drivers with at-fault accident at $1,491 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Dover.

CompanyAverage 6 month premiumAverage annual premium
Travelers$746$1,491
Nationwide$1,065$2,129
State Farm$1,166$2,331
Progressive$1,388$2,775
American Family$1,734$3,467
GEICO$1,795$3,589
Allstate$3,174$6,348

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,151 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Dover.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,076$2,151
Travelers$1,197$2,394
Progressive$1,281$2,561
Nationwide$1,371$2,741
GEICO$1,839$3,678
Allstate$2,545$5,089
American Family$3,460$6,919
USAA$1,215$2,430

Cheapest for drivers with a speeding ticket: Nationwide

Nationwide offers the cheapest car insurance at $2,081 in Dover for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$1,041$2,081
Travelers$1,047$2,093
State Farm$1,076$2,151
Progressive$1,257$2,514
GEICO$1,294$2,587
American Family$1,401$2,801
Allstate$2,134$4,267
USAA$863$1,725

Car insurance discounts for Dover drivers

The biggest car insurance discount available in Dover is for the years insured category at 37.69%, offered by Travelers.

Car insurance is essential for drivers in Dover, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Dover drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$3,8733.38%$131
Air BagsAmerican Family$2,9265.47%$160
Air BagsDonegal$2,7795.79%$161
Air BagsGEICO$1,8792.82%$53
Anti-Theft DeviceAmerican Family$2,9261.03%$30
Anti-Theft DeviceDonegal$2,7791.08%$30
Anti-Theft DeviceGEICO$1,8790.56%$11
Daily CommuteAmerican Family$2,9269.50%$278
Daily CommuteDonegal$2,7799.46%$263
Daily CommuteTravelers$1,4691.36%$20
Days Advanced PurchaseAllstate$3,87310.34%$400
Days Advanced PurchaseDonegal$2,7799.32%$259
Days Advanced PurchaseProgressive$1,4533.60%$52
Days Advanced PurchaseSentry Insurance$5,3943.63%$196
Days Advanced PurchaseTravelers$1,46915.07%$221
Days Per Week DrivenAmerican Family$2,9268.13%$238
Days Per Week DrivenTravelers$1,4691.36%$20
EducationGEICO$1,87913.20%$248
EducationProgressive$1,4534.98%$72
Electronic Funds TransferAllstate$3,8734.31%$167
Electronic Funds TransferNationwide$1,4543.83%$56
Electronic SignatureProgressive$1,45310.09%$147
HomeownerAllstate$3,8734.00%$155
HomeownerGEICO$1,8799.10%$171
HomeownerNationwide$1,45411.44%$166
HomeownerProgressive$1,4532.78%$40
HomeownerSentry Insurance$5,3947.69%$415
Lower Annual MileageDonegal$2,77910.09%$281
Lower Annual MileageGEICO$1,8792.49%$47
Lower Annual MileageState Farm$1,31510.16%$134
Loyalty - Years Renewal With CompanyDonegal$2,77913.18%$366
Loyalty - Years Renewal With CompanyProgressive$1,4533.17%$46
Loyalty - Years Renewal With CompanySentry Insurance$5,3940.44%$24
Loyalty - Years Renewal With CompanyState Farm$1,31522.50%$296
Loyalty - Years Renewal With CompanyTravelers$1,5040.07%$1
Marital StatusAllstate$3,8730.62%$24
Marital StatusDonegal$2,77913.85%$385
Marital StatusNationwide$1,4548.02%$117
Marital StatusProgressive$1,4537.91%$115
Marital StatusSentry Insurance$5,3943.71%$200
Multi PolicyAllstate$3,8738.21%$318
Multi PolicyAmerican Family$2,92616.97%$497
Multi PolicyDonegal$2,7799.66%$268
Multi PolicyGEICO$1,8799.76%$183
Multi PolicyNationwide$1,4549.65%$140
Multi PolicyProgressive$1,45310.41%$151
Multi PolicySentry Insurance$5,3947.69%$415
Multi PolicyState Farm$1,31512.61%$166
Multi PolicyTravelers$1,4696.27%$92
Paperless/Electornic DocumentsAllstate$3,8736.03%$234
Paperless/Electornic DocumentsNationwide$1,4543.83%$56
Paperless/Electornic DocumentsProgressive$1,4530.87%$13
Payment TypeAllstate$3,8739.08%$352
Payment TypeDonegal$2,7794.53%$126
Payment TypeNationwide$1,4547.61%$111
Payment TypeProgressive$1,4530.41%$6
Payment TypeSentry Insurance$5,3947.60%$410
Payment TypeTravelers$1,4695.04%$74
Primary UseAllstate$3,8736.79%$263
Primary UseAmerican Family$2,92618.36%$537
Primary UseDonegal$2,7799.84%$274
Primary UseNationwide$1,4547.61%$111
Primary UseState Farm$1,31511.78%$155
Primary UseTravelers$1,4696.31%$93
ProfessionGEICO$1,8797.33%$138
ProfessionProgressive$1,45318.07%$263
Safety DevicesAllstate$3,8736.79%$263
Safety DevicesAmerican Family$2,9261.67%$49
Safety DevicesDonegal$2,7792.99%$83
Safety DevicesGEICO$1,8791.86%$35
Safety DevicesProgressive$1,4533.39%$49
TelematicsNationwide$1,45436.48%$530
TelematicsProgressive$1,45310.09%$147
TelematicsState Farm$1,31514.47%$190
Years InsuredAllstate$6,48030.68%$1,988
Years InsuredGEICO$2,76113.72%$379
Years InsuredNationwide$1,8134.02%$73
Years InsuredProgressive$2,10221.33%$448
Years InsuredSentry Insurance$6,28314.15%$889
Years InsuredTravelers$2,35737.69%$888
Years LicensedAmerican Family$3,57618.18%$650
Years LicensedDonegal$3,81822.51%$860
Years LicensedGEICO$4,06127.00%$1,096
Years LicensedNationwide$2,07412.61%$262
Years LicensedProgressive$2,97526.52%$789
Years LicensedState Farm$1,63216.98%$277
Years LicensedTravelers$3,20923.57%$757
Air BagsUSAA$1,2281.09%$13
Anti-Theft DeviceUSAA$1,2281.82%$22
Days Advanced PurchaseUSAA$1,2283.15%$39
Electronic Funds TransferUSAA$1,2282.68%$33
Lower Annual MileageUSAA$1,2282.98%$37
Loyalty - Years Renewal With CompanyUSAA$1,2288.59%$106
Marital StatusUSAA$1,22811.19%$138
Multi PolicyUSAA$1,2284.61%$57
Primary UseUSAA$1,22816.17%$199
Safety DevicesUSAA$1,2280.95%$12
Years InsuredUSAA$1,89227.84%$527
Years LicensedUSAA$3,75240.55%$1,523

How to get cheap car insurance in Dover in 2025

Find affordable car insurance in Dover by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Dover.

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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