Best Cheap Auto Insurance in Dover, DE (2021)

The average Dover, DE auto insurance rates are $444 per month. The minimum auto insurance in Dover is at least 25/50/10 in coverage to comply with Delaware auto insurance laws. To find the best cheap auto insurance in Dover, Delaware, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 14, 2021

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Things to Remember

  • The most expensive auto insurance company in Dover for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Dover, Delaware is 25/50/10
  • The cheapest auto insurance company in Dover is USAA

Dover, Delaware auto insurance requirements are 25/50/10 according to Delaware auto insurance laws. Finding cheap auto insurance in Dover can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Dover, Delaware, including driving record, credit, commute time, and more.

Compare auto insurance in Dover to other Delaware cities, including Seaford auto insurance rates, Wilmington auto insurance rates, and Dover auto insurance rates to see how Dover, Delaware auto insurance rates stack up.

Before you buy Dover, Delaware auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Dover, Delaware auto insurance quotes.

Minimum Auto Insurance in Dover, Delaware

Dover, Delaware auto insurance laws require that you have at least the Delaware minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Dover, Delaware.

Minimum Required Auto Insurance Coverage in Dover, Delaware

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Dover, Delaware Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Dover, Delaware are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Dover, Delaware

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,427 $3,364 $3,013 $3,171 $12,083 $14,070 $3,597 $3,808
GEICO $2,451 $2,735 $2,355 $2,759 $6,067 $6,346 $2,586 $2,512
Liberty Mutual $10,750 $10,750 $10,620 $10,620 $23,936 $36,266 $10,750 $14,902
Nationwide $2,761 $2,739 $2,524 $2,513 $6,481 $8,199 $3,055 $3,260
Progressive $1,856 $1,718 $1,635 $1,667 $9,375 $10,364 $2,266 $2,208
State Farm $2,528 $2,528 $2,330 $2,330 $7,208 $9,312 $2,836 $2,957
Travelers $1,329 $1,333 $1,315 $1,280 $7,359 $11,212 $1,416 $1,522
USAA $1,153 $1,133 $1,070 $1,066 $4,203 $4,934 $1,439 $1,577

Cheap Dover, Delaware Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Dover, Delaware is a challenge. Take a look at the annual teen auto insurance rates in Dover, Delaware.

Annual Auto Insurance Rates for Teen Drivers in Dover, Delaware

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,083 $14,070
GEICO $6,067 $6,346
Liberty Mutual $23,936 $36,266
Nationwide $6,481 $8,199
Progressive $9,375 $10,364
State Farm $7,208 $9,312
Travelers $7,359 $11,212
USAA $4,203 $4,934

Cheap Dover, Delaware Auto Insurance for Seniors

What are senior auto insurance rates in Dover, Delaware? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Dover, Delaware

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,013 $3,171
GEICO $2,355 $2,759
Liberty Mutual $10,620 $10,620
Nationwide $2,524 $2,513
Progressive $1,635 $1,667
State Farm $2,330 $2,330
Travelers $1,315 $1,280
USAA $1,070 $1,066

Cheap Dover, Delaware Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Dover, Delaware compared to the annual auto insurance rates with a clean record in Dover, Delaware.

Annual Dover, Delaware Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,929 $5,898 $6,856 $5,584
GEICO $2,659 $3,692 $4,542 $3,012
Liberty Mutual $12,874 $14,791 $23,443 $13,189
Nationwide $3,154 $3,154 $5,741 $3,718
Progressive $3,351 $4,434 $3,813 $3,946
State Farm $3,630 $4,377 $4,004 $4,004
Travelers $2,858 $2,867 $4,662 $2,995
USAA $1,710 $1,710 $2,915 $1,952

Cheap Dover, Delaware Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Dover, Delaware is not easy. Compare the annual rates for DUI auto insurance in Dover, Delaware to find the best deal.

Annual Auto Insurance Rates After a DUI in Dover, Delaware

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,856
GEICO $4,542
Liberty Mutual $23,443
Nationwide $5,741
Progressive $3,813
State Farm $4,004
Travelers $4,662
USAA $2,915

Cheap Dover, Delaware Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Dover, Delaware annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Dover, Delaware

Insurance Company Poor Fair Good
Allstate $7,466 $5,290 $4,694
GEICO $5,388 $2,990 $2,050
Liberty Mutual $21,763 $14,652 $11,808
Nationwide $4,566 $3,798 $3,461
Progressive $4,343 $3,802 $3,513
State Farm $6,130 $3,376 $2,505
Travelers $3,731 $3,083 $3,223
USAA $3,376 $1,646 $1,193

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Cheap Dover, Delaware Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Dover, Delaware can vary. Compare the annual cost of auto insurance by ZIP code in Dover, Delaware to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Dover, Delaware

ZIP Code Average Annual Rates
19904 $5,342
19906 $5,312

Cheap Dover, Delaware Auto Insurance Rates By Commute

Commute length and annual mileage affect Dover, Delaware auto insurance. Find the cheapest annual Dover, Delaware auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Dover, Delaware

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,817 $5,817
GEICO $3,420 $3,532
Liberty Mutual $15,629 $16,520
Nationwide $3,941 $3,941
Progressive $3,886 $3,886
State Farm $3,867 $4,141
Travelers $3,346 $3,346
USAA $2,050 $2,094

Cheap Dover, Delaware Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Dover, Delaware? Check out the comparison of annual Dover, Delaware auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Dover, Delaware

Insurance Company Low Medium High
Allstate $5,286 $5,889 $6,275
GEICO $3,131 $3,529 $3,769
Liberty Mutual $15,290 $15,890 $17,043
Nationwide $3,911 $3,878 $4,036
Progressive $3,400 $3,931 $4,327
State Farm $3,739 $4,013 $4,259
Travelers $3,136 $3,453 $3,448
USAA $1,935 $2,067 $2,213

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Best By Category: Cheapest Auto Insurance in Dover, Delaware

Compare the cheapest auto insurance companies in Dover, Delaware in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Dover, Delaware

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Dover, Delaware Auto Insurance Companies

What auto insurance companies in Dover, Delaware are the cheapest? Compare the top Dover, Delaware auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Dover, Delaware

Insurance Company Average Annual Rates
Allstate $5,817
GEICO $3,476
Liberty Mutual $16,074
Nationwide $3,941
Progressive $3,886
State Farm $4,004
Travelers $3,346
USAA $2,072

What affects auto insurance rates in Dover, Delaware?

There are a lot of reasons why auto insurance rates in Dover, Delaware are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Dover, Delaware. Many local factors may affect your Dover auto insurance rates.

Good news for custom and exotic car owners, though. Dover is one of the best cities for custom and exotic cars, making it easier to find cheap insurance rates.

Dover Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Dover, Delaware commute length is 21.9 minutes according to City-Data.

Dover Traffic

How does Dover, Delaware rank for traffic? According to Inrix Dover, Delaware is the 836th most congested worldwide.

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Compare Dover, Delaware Auto Insurance Quotes

Before you buy Dover, Delaware auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Dover, Delaware auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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