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Get Cheap Car Insurance in Dover, ID

We monitor insurance prices, helping the average driver in Dover save up to 33.1% on car insurance.

 

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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 Auto-Owners Insurance, followed by Travelers, State Farm, and Progressive.

 
Dover Insurer Monthly Cost
Auto-Owners Insurance $37
Travelers $40
State Farm $42
Progressive $44

Savings for Every Kind of Dover Driver

The table shows how much the average auto insurance customer in Dover might save by following our recommendations.

Based on our extensive insurance data, we know the average Dover driver will save about 24% 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 $283 per year by choosing the right vehicle insurance company. Some Dover residents are paying out over $1,158 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, ID Savings / Yr.
Drivers with good records
$283
Drivers with accidents
$583
Drivers with speeding tickets
$506
Drivers with a DUI conviction
$447
Young drivers
$1,064
Married drivers
$274
Drivers with bad credit
$439

Dover Car Insurance vs. Idaho

People living in Dover pay an average of 2.40% more than the typical driver in the state. The average driver in Dover can expect to pay about $642 per year, or $1,158 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Dover for most people.

Car Insurance Prices by Dover Neighborhood

Dover, ID map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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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 $55 per year within the city boundaries, with insurance premiums ranging from a high of $1,184 to a low of $1,129. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the South parts of Dover.

Pick the Best Car Insurance Company for You in Dover

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Dover insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Dover

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $283 over the average Dover car insurance company.

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We use the average good driver, paying $73 per month, as our baseline for pricing in Dover. State Farm, Travelers, and Auto-Owners Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Dover drivers with accidents on their records

In Dover getting into an accident will raise premiums an average 34% for a yearly cost of $1,758. That's $600 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $583 over the competition.

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The best car insurance company for Dover drivers with speeding tickets

>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $506 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Dover, tickets raise premiums on new quotes about $397. If you have a speeding ticket, we recommend State Farm, Travelers, and Auto-Owners Insurance for savings that beat the average insurance cost of $1,555 per year.

The best auto insurance for Dover drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,786 per year in auto insurance premiums, which was $628 more than a driver with no major issues. State Farm, American Family Insurance, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from American Family Insurance may cost the average person with a DUI about $447 less each year.

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The least expensive car insurance company for new and young drivers in Dover

In Dover, Auto-Owners Insurance costs young drivers $1,064 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Dover. With an average cost of $3,931 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Auto-Owners Insurance, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Dover

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $88. State Farm, Geico, and Auto-Owners Insurance provided the largest discounts to couples living in Dover.

Auto-Owners Insurance gave the largest car insurance discounts to married couples, averaging $274 saved each year compared to an average Dover couple's premiums.

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The cheapest car insurance in Dover for drivers with bad credit

People with poor credit saved an average of $439 with Auto-Owners Insurance.

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Many people are surprised that their poor credit score can cost them an average of $738 every year. Premiums for people with poor credit were about $1,896 in Dover. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Auto-Owners Insurance.

The best Dover car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Dover, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Dover.

Nationwide was the best company for customer service in Dover according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Dover, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Dover. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Dover

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 17% of Dover residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Dover driver can expect to pay about $75 per month.

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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 speeding tickets, drivers with a DUI conviction, married couples, drivers with bad credit, good drivers, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around Dover

What Influences the Cost of Car Insurance in Dover?

On average, car insurance in Dover is more expensive than the rest of the state. These high 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 26 minutes, which is a little less than average for a driver in the state.
  • Idaho state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Dover are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Dover is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Dover is $54 per month for minimum coverage and $97 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

Cities with Similar Populations

* Who is the average Dover driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Dover with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.