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Get Cheap Car Insurance in Dover, DE
We monitor insurance prices, helping the average driver in Dover save up to 29.3% on car insurance.
The Cheapest Minimum Coverage in Dover
The chart below shows the cheapest car insurance company in Dover for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Midvale Home & Auto, followed by State Farm, Travelers, and Dairyland.
| Dover Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $76 |
| State Farm | $77 |
| Travelers | $77 |
| Dairyland | $91 |
Savings for Every Kind of Dover Driver
Based on our extensive insurance data, we know the average Dover driver will save about 23% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $427 per year by choosing the right vehicle insurance company. Some Dover residents are paying out over $1,846 extra every year for auto insurance in Dover. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Dover, DE Savings / Yr. |
|---|---|
$427 |
|
$723 |
|
$489 |
|
$422 |
|
$2,037 |
|
$435 |
|
$462 |
Dover Car Insurance vs. Delaware
People living in Dover pay an average of 0.73% less than the typical driver in the state. The average driver in Dover can expect to pay about $1,223 per year, or $1,846 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Dover for most people.
Car Insurance Prices by Dover Neighborhood
Insurance Prices
Where is insurance cheapest within Dover?
The map shows insurance prices in and around Dover, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $379 per year within the city boundaries, with insurance premiums ranging from a high of $2,087 to a low of $1,708. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southwest parts of Dover.Pick the Best Car Insurance Company for You in Dover
The best car insurance provider for most drivers in Dover
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $427 over the average Dover car insurance company.
The best car insurance provider for Dover drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $723 over the competition.
The best car insurance company for Dover drivers with speeding tickets
>Travelers gave the average person with a speeding ticket the most savings, averaging $489 better than other car insurance companies.
The best auto insurance for Dover drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $422 less each year.
The least expensive car insurance company for new and young drivers in Dover
In Dover, State Farm costs young drivers $2,037 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Dover
State Farm gave the largest car insurance discounts to married couples, averaging $435 saved each year compared to an average Dover couple's premiums.
The cheapest car insurance in Dover for drivers with bad credit
The best Dover car insurance company for customer service
Recent price drops
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The cheapest large national provider in Dover
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Dover driver can expect to pay about $119 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Dover, USAA has the best prices for drivers with accidents, young drivers, drivers with bad credit, drivers with speeding tickets, married couples, good drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Dover
What Influences the Cost of Car Insurance in Dover?
On average, car insurance in Dover is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Dover is 29 minutes, which is far less than average for a driver in the state.
- Delaware state insurance regulations may require higher prices.
- An average of 6 to 7 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Dover are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Dover is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Dover is $102 per month for minimum coverage and $154 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Wyoming: Insurance costs 3.95% less
- Dover Afb: Insurance costs 6.83% less
- Camden: Insurance costs 2.55% less
- Cheswold: Insurance costs 0.76% more
- Little Creek: Insurance costs 2.22% less
- Eberton: Insurance costs 2.60% more
- Leipsic: Insurance costs 0.87% more
- Port Mahon: Insurance costs 0.81% less
- Woodside: Insurance costs 3.79% less
- Magnolia: Insurance costs 0.76% less
Cities with Similar Populations
- Dundalk: Insurance costs 8.72% more
- Huntersville: Insurance costs 30.72% less
- Clayton: Insurance costs 30.07% less
- Columbus: Insurance costs 37.16% less
- Camden: Insurance costs 17.98% more
- Weston: Insurance costs 66.96% more
- Waterford: Insurance costs 67.55% more
- Sanford: Insurance costs 30.55% less
- Salisbury: Insurance costs 1.41% more
- Petaluma: Insurance costs 7.53% more