Dover, DE Car Insurance

What rates should residents of Dover expect to pay for their car insurance? How do rates in Dover measure up compared to neighboring areas, including Delaware as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Dover?

Looking at the chart above, you can see it's around $33 a month cheaper to insure your vehicle in Dover than it is in the rest of Delaware.

The average cost of insuring your vehicle in Dover is above the national rate. You can expect to pay about $63 more for your policy in Dover.

Bear in mind that while these rates represent the expected monthly payments for residents of Dover, it doesn't mean that's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Dover residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Generally speaking, the older you are, the more experience you have driving, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates rise again in Dover.

Average Car Insurance Rates by Gender

Despite the national trend of women paying less than men for auto insurance, in Dover men actually pay $129 per month for coverage while women pay $156.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Dover with a single accident will pay around $211 a month. In addition, drivers with a single ticket on their record can expect to pay around $192 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Dover are by and large trucks and vans, at $104 per month.

Car owners will see a monthly rate of about $139, while SUV owners usually pay around $170 a month.

Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Dover, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Generally, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Dover is no exception, with the difference totaling to around $13 a month.

Average Car Insurance Rates by Housing Situation

Your living accommodations is another factor that affects your monthly rate. Homeowners in Dover can expect to pay around $19 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Dover, DE

Recent trends in car insurance for Dover drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

The rates for auto insurance in Dover declined from 2017-2018, before increasing from 2019-2020. They finished up in 2022 at $124.

How does Dover compare to neighboring areas?

Why are car insurance rates in Dover different from other areas?

There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

• Crime
• Regional regulations
• Amount of drivers in the community
• General road safety (how many accidents each locality has)
• Access to off-street parking

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Dover?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Dover.

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Dover Insurance FAQs

What factors affect car insurance quotes in Dover?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Dover different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Dover?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Dover?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Dover or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.