Cheapest car insurance companies in Dover
Nationwide and Travelers offer the cheapest car insurance rates in Dover for 2023, according to a study by Insurance.com.
Nationwide offers the cheapest car insurance premium for Dover drivers at an annual rate of $1,412 a year, on average.
Car insurance costs may vary in Dover based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Dover.
| Companies | Average 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
Nationwide stands out as Dover's cheapest auto insurance company for teen drivers at an average annual of $4,568. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
Geico provides the cheapest car insurance coverage for young drivers in Dover, with an annual premium of $2,253 on average.
An analysis of car insurance rates for Dover drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. Travelers offers the cheapest full-coverage car insurance rates at $1,362 per year.
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.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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
Your driving profile plays an important role in determining your car insurance rates in Dover. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
Comparison shopping is the key to getting the cheapest car insurance rates in Dover. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Below are some of the cheapest car insurance companies in Dover by driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Dover drivers is $1,566.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Dover.
| Company | Average annual rates |
|---|---|
| Geico | $1,566 |
| Nationwide | $1,764 |
| USAA | $2,117 |
| Travelers | $2,468 |
| Progressive | $2,577 |
| State Farm | $3,705 |
| Allstate | $4,483 |
Cheapest for drivers with a speeding ticket: State Farm
State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Dover. It provides full coverage car insurance for drivers aged 30 at about $1,298 per year.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average annual premium |
|---|---|
| State Farm | $1,298 |
| USAA | $1,495 |
| Nationwide | $1,828 |
| Travelers | $1,942 |
| Progressive | $2,046 |
| Geico | $2,418 |
| Allstate | $3,333 |
Cheapest auto insurance after an at-fault accident: USAA
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.
| Company | Average annual rates |
|---|---|
| USAA | $1,368 |
| State Farm | $1,407 |
| Travelers | $1,559 |
| Nationwide | $1,884 |
| Progressive | $2,634 |
| Geico | $2,873 |
| Allstate | $5,026 |
Cheapest auto insurance after a DUI: State Farm
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.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average 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
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. Whereas the average rate for state minimum coverage in Dover is $714 per year.
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 premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | State 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.
