Average car insurance cost in Dover, DE

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According to data from Insure.com, the average annual cost of car insurance in Dover, Delaware is $2,070. The auto insurance rates in Dover is $7 more than the state average and $175 more than the national average.

Car insurance premiums vary significantly based on where they are filed. Factors such as city demographics, population density and average resident age, accident rates, theft, and vandalism rates will influence the amount of premiums you pay.

This article talks in detail about the most affordable car insurance companies in Dover, the average car insurance rates by age and gender, and how much car insurance cost in Dover depending on coverage limits. Whether you’re a new driver or an experienced one, this article will help you to find the most affordable car insurance in Dover. Keep reading to learn more.

Cheap car insurance companies in Dover

Nationwide offers the cheapest car insurance in Dover, at an average of $1,412 per year with full coverage limits of 100/300/100.

The second cheapest company in Dover is Travelers, offering car insurance rates at $1,438 per year.

As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Dover before deciding on the policy that matches your requirements.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Dover, Delaware:

Read about the best car insurance companies.

Average car insurance cost in Dover by coverage limits

In Dover, the average car insurance rates the coverage levels are as follows:

• State minimum coverage: $714 per year (limits are 25/50/25)
• Liability only coverage: $1,009 per year (limits are 50/100/50)
• Full coverage: $2,070 per year (limits are 100/300/100)
• Non-owners coverage: $362 per year

In most states, drivers are required to have state minimum coverage to drive legally, although these requirements vary by state. However, it’s important to note that state minimum coverage does not provide coverage for any vehicles listed on your policy in the event of an at-fault accident.

To prevent compromising on coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage if you frequently borrow or rent a car but do not own one.

Average car insurance rates by gender in Dover

Based on an analysis by Insure.com, female drivers in Dover, Delaware pay an average annual car insurance premium of $2,082. In comparison, male drivers pay $2,057 annually, which is $25 less than what female drivers pay.

According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Dover

In Dover, teenagers have the highest car insurance rates, at $7,163 per year or $597 per month. This higher rate is attributed to the increased risk of road accidents among teenagers (aged 16 to 19) due to their limited experience on the road, according to the Insurance Information Institute.

However, there are driving laws for teens to improve their driving habits. Additionally, the cost of teen insurance can be reduced by adding them to a parent’s auto insurance policy. As teens mature and establish a positive driving history, their car insurance rates are likely to decrease.

Young adults, pay an average of $3,536 annually for car insurance, which is $3,627 less than what the teens pay for their insurance policy.

Meanwhile, adult, and senior drivers in Dover have car insurance rates of $2,045 and $2,026 per year, respectively. The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below shows the average annual rates for drivers of different age groups:

Car insurance rate trends in Dover

Examining the trends in car insurance rates in Dover, Delaware it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 4%, or $82.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Dover, are higher than the average insurance cost in Delaware. Shopping around and taking advantage of available discounts, drivers in Dover can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.