Cheapest Auto Insurance in Dover, Delaware (2026)
USAA offers the cheapest car insurance in Dover, with minimum-coverage policies as low as $71 per month.
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Written byAly J. Yale
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Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
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The overall average cost of car insurance in Dover, Delaware, is $203 per month, which is similar to the state average of $210.
Dover’s number of car crashes may contribute to its near-average car insurance premiums. Delaware’s capital reported more than 1,200 car crashes in 2022, according to Delaware State Police.[1]
Here’s what you need to know about finding car insurance, comparing quotes, and getting cheap coverage in Dover.
Quick Facts
The average cost of car insurance in Dover is $160 per month for liability insurance and $246 per month for full coverage.
USAA offers the cheapest full-coverage car insurance in Dover.
Dover drivers must purchase and maintain personal injury protection (PIP) coverage as part of minimum requirements.[2]
3 of the cheapest car insurance companies in Dover
Some of the best car insurance companies in Dover are USAA, State Farm, and GEICO. But while all these insurers offer relatively affordable premiums, they aren’t the right fit for everyone. The best insurance policy for you will depend on your situation, goals, budget, and needs.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| USAA | 9.1 | $110 | $73 | Veterans and military members |
| State Farm | 9.3 | $169 | $113 | Customer satisfaction |
| GEICO | 9.2 | $211 | $141 | Discounts |
Disclaimer: Table data sourced from real-time Dover car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dover may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for veterans and military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $106/mo |
4.9
Best choice in Dover, DEBased on 3,697 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.8 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in Dover for
Showing recent national reviewsSee all 1,585 USAA reviews
Verified Review
Reviewed in Missouri on May 31, 2026
USAA has always been helpful and easy to work with.
Verified Review
Reviewed in New Mexico on May 30, 2026
That's the best car insurance you can buy, but it's very expensive.
Verified Review
Reviewed in Louisiana on May 29, 2026
I have always had good experiences with Progressive. I would advise any friend to go with Progressive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
About 8% of Dover’s population are veterans, and for these drivers — as well as their spouses, children, and immediate family members — USAA can be a smart choice for car insurance. The company is known for its affordable rates, good customer service, and membership perks. USAA also offers discounts for bundling your policy, maintaining a clean driving record, and getting good grades.
Pros
Above-average J.D. Power customer satisfaction rating in Mid-Atlantic region
Many policy discounts and perks
Cons
Only veterans, military members, and their families are eligible
Gap insurance not available
Best insurer for customer satisfaction: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $110/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $164/mo |
4.0
Best choice in Dover, DEBased on 18,367 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Dover for
Showing 13 Delaware reviews for Dover driversSee all 7,595 State Farm reviews
Verified Review
Reviewed in Delaware on May 26, 2026
The insurance is too expensive, and the prices keep going up with no discounts ever given for long-time customers. Additionally, there is poor communication when opening claims for my house roof, and I was denied full repair for a 20-year-old roof.
Verified Review
Reviewed in Delaware on April 22, 2026
Good, but I saw a lower price for my insurance from Liberty Mutual and can’t get it.
Verified Review
Reviewed in Delaware on March 22, 2026
I think they treated me unfairly because of my age. I can’t prove it though. I had a backing accident in a department store parking lot. Very little damage to the other person’s car, none to mine. They raised my insurance $40 a month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Dover drivers who want top-notch customer service and support should look to State Farm. The insurance company has one of the highest Insurify Quality Scores and is known for its strong ratings and reviews. State Farm also has one of the lowest average full-coverage premiums in Dover.
Pros
Above-average J.D. Power customer satisfaction rating in Mid-Atlantic region
Low full-coverage premiums
Cons
Doesn’t offer gap insurance
Can’t get quotes online
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $138/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $205/mo |
4.0
Best choice in Dover, DEBased on 18,458 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Dover for
Showing 8 Delaware reviews for Dover driversSee all 7,776 GEICO reviews
Verified Review
Reviewed in Delaware on April 28, 2026
I am very unhappy. I just bought a 2026 Subaru and the price increased again. I understand prices go up, but I have had a good relationship with you and no claims for at least 20 years (or longer). There is no reward for loyalty and it is very sad. I have also been with you since I was 16.
Verified Review
Reviewed in Delaware on March 1, 2026
Roadside service is great. Price is high. Customer service is good.
Verified Review
Reviewed in Delaware on February 12, 2026
Customer service is lacking. You have a better chance of driving 10 miles on any interstate and not seeing a bad driver than getting to talk to a real person. The AI is what you interact with. Prices keep going up even though I've never had a claim. Why?
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO is a smart option for Dover drivers seeking policy discounts. The company offers more than a dozen discounts, including ones for having anti-lock brakes, airbags, good grades, insuring multiple cars with GEICO, and bundling policies. It also boasts one of the lowest average liability rates among Dover insurers.
Pros
Many policy discounts
Low liability premiums
Cons
No gap insurance
No rideshare insurance
How to get the cheapest car insurance in Dover
Many factors influence car insurance premiums — including the type of car you drive, your age, your ZIP code, and your credit.
Here are some steps you can take to get cheap car insurance:
Increase your deductible. Your deductible is how much money you agree to pay before insurance kicks in. The higher your deductible, the less you’ll pay in premiums. Just make sure you can afford the deductible if you ever file a claim.
Reconsider coverage options. If you drive a low-value, older vehicle, you may not need optional coverages like collision or comprehensive. Reducing your coverage can help you save money on your car insurance premiums.
Look for discounts. Many insurers offer discounts for bundling insurance policies, maintaining a clean driving record, getting good grades, and more. Ask your insurance agent what discounts you qualify for to lower your rates.
Get quotes. Because car insurance companies offer different rates to drivers, it’s important to compare as many rates as possible before buying a policy. Get quotes from at least three insurers to find the lowest rates for your coverage needs.
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Find Car Insurance in Dover, Delaware
Rates start at $71 per month
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Cheapest liability-only car insurance in Dover: USAA
Liability insurance covers other parties’ damages and injuries from a car accident you cause. Most states, including Delaware, require a minimum amount of liability insurance.
USAA is currently Dover’s cheapest option for liability-only insurance, with a rate of $71 per month.
See the table below for the most affordable liability-only insurers in Dover.
The below rates in Dover, DE, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $71 |
| CSAA | $88 |
| State Farm | $110 |
| National General | $129 |
| GEICO | $138 |
| Root | $156 |
| Direct Auto | $163 |
| Travelers | $169 |
| Dairyland | $200 |
| Liberty Mutual | $224 |
| Nationwide | $230 |
| Allstate | $234 |
Disclaimer: Table data sourced from real-time Dover car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dover may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Dover: USAA
Full-coverage car insurance includes liability insurance, as well as collision and comprehensive coverage. Collision and comprehensive coverage pay for your vehicle damages, regardless of fault.
USAA is currently Dover’s cheapest option for full-coverage car insurance, with premiums of $106 per month. See below for the most affordable full-coverage insurance companies in Dover.
The below rates in Dover, DE, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $106 |
| CSAA | $119 |
| State Farm | $164 |
| GEICO | $205 |
| Root | $216 |
| National General | $218 |
| Travelers | $251 |
| Direct Auto | $265 |
| Liberty Mutual | $300 |
| Nationwide | $345 |
| Allstate | $349 |
| Dairyland | $421 |
Disclaimer: Table data sourced from real-time Dover car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dover may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Dover, Delaware drivers
Drivers using Insurify have found quotes as cheap as $105/mo for liability only and $211/mo for full coverage in Dover and other Delaware cities.
*Quotes generated for Insurify users in and around Dover, Delaware within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Dover, Delaware within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Delaware
Delaware requires a minimum amount of liability insurance and personal injury protection (PIP), which covers medical expenses if you’re hurt in an accident — regardless of fault.
Delaware drivers who can’t secure this insurance coverage from a private insurance company can seek a policy through the Delaware Automobile Insurance Plan (DAIP). To do this, you’ll need to work with a DAIP-certified insurance agent.
Here are Delaware’s minimum insurance requirements:[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $10,000 |
| Personal injury protection | $15,000 for any one person / $30,000 for all persons |
However, these are just minimum requirements — you might need more coverages to have better protections on the road. In addition to these minimums, you might want to explore these optional coverages:
Collision coverage
Collision coverage pays for vehicle damages when you hit a stationary object or another vehicle, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for repairs on your car if it’s damaged due to weather, theft, or another non-collision event.
Gap coverage
Gap insurance pays the difference between your auto loan or lease and your insurance settlement in the event of a total loss.
Roadside assistance coverage
Roadside assistance coverage will help with towing, lockout services, and other help you might need if your vehicle breaks down on the road.
Rental reimbursement coverage
With this coverage, your policy will pay for a rental car — up to a certain amount — if your vehicle is in the shop for covered repairs.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your damages and injuries if a driver without insurance or without enough insurance hits you.
Cheapest car insurance for drivers with an incident
Drivers with violations on their records — like at-fault accidents, speeding tickets, driving under the influence charges (DUIs or DWIs), and more — usually pay higher premiums than people with clean driving records. Incidents like these make drivers riskier to insure and signal a higher chance of insurers paying for a claim in the future.
In Dover, an at-fault accident can raise average premiums from $160 per month to $177 per month. But a DUI increases rates to $258 per month, on average. Here’s how average car insurance quotes in Dover change based on driving history.
The below rates in Dover, DE, are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| USAA | $71 | $95 | $88 | $108 |
| CSAA | $88 | $120 | $117 | $134 |
| State Farm | $110 | $144 | $134 | $168 |
| National General | $129 | $167 | $158 | $197 |
| GEICO | $138 | $187 | $167 | $209 |
| Root | $156 | $193 | $179 | $238 |
| Direct Auto | $163 | $212 | $204 | $249 |
| Travelers | $169 | $227 | $210 | $258 |
| Dairyland | $200 | $258 | $243 | $305 |
| Liberty Mutual | $224 | $295 | $273 | $342 |
| Nationwide | $230 | $308 | $285 | $351 |
| Allstate | $234 | $314 | $289 | $357 |
Disclaimer: Table data sourced from real-time Dover car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dover may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Car insurance rates are more expensive for young drivers, as teen drivers tend to have higher rates of accidents. Drivers 16 to 19 years old account for just less than 4% of all drivers but 9.3% of all car crashes, according to the National Safety Council.[3]
Premiums tend to drop by the time a driver reaches 35 years but then rise again around age 70 as their risk of injury in an accident increases.
Here are the average car insurance quotes in Dover for each age group.
Age | Average Monthly Quote |
|---|---|
| Teens | $346 |
| 20s | $429 |
| 30s | $400 |
| 40s | $339 |
| 50s | $254 |
| 60s | $178 |
| 70s | $133 |
Disclaimer: Table data is based on real-time Dover quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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Dover car insurance quotes by credit tier
Car insurance companies often use credit history when pricing insurance policies, as worse credit may correlate with higher rates of filing a claim. While not all states allow this, Delaware does — so your credit could affect your premiums.[4]
When companies use credit history, drivers with excellent or good credit typically get the best rates, while drivers with poor credit get higher premiums.
Here’s how credit scores affect average Dover car insurance quotes.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $149 |
| Good | $177 |
| Fair | $194 |
| Poor | $293 |
Dover car insurance FAQs
Here’s how to switch your car insurance in a few easy steps. You can also check out the answers to common questions about auto coverage in Dover below.
How much is car insurance in Dover?
The average cost of car insurance in Dover is $160 per month for liability insurance and $246 per month for full coverage.
Who has the cheapest car insurance in Dover?
USAA, CSAA, and State Farm are the cheapest car insurance companies in Dover, with premiums as low as $71, $88, and $110 per month, respectively. But the cheapest car insurance for you depends on your coverage needs and driver profile, which is why it’s important to compare quotes.
What are the best car insurance companies in Dover?
Some of the best car insurance companies in Dover that Insurify identified include State Farm, GEICO, and USAA. These insurers have some of the lowest average premiums in the city, strong customer satisfaction scores, and high Insurify Quality (IQ) Scores.
Sources
- Delaware State Police. "Delaware's Annual Traffic Statistical Report 2022."
- Delaware Division of Motor Vehicles. "Vehicle Services Registration."
- National Safety Council. "Age of Driver."
- Delaware Department of Insurance. "Understanding How Insurers Use Credit Information."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Featured in
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in