Cheapest Auto Insurance in Dover, Delaware (2024)

The overall average cost of car insurance in Dover, Delaware, is $160 per month, which is similar to the state average of $169.

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.

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.

Best insurer for veterans and military members: USAA

Best insurer for customer satisfaction: State Farm

Best insurer for discounts: GEICO

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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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 $52 per month.

See the table below for the most affordable liability-only insurers in Dover.

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 $76 per month. See below for the most affordable full-coverage insurance companies in Dover.

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]

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:

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  Collision coverage

  Collision coverage pays for vehicle damages when you hit a stationary object or another vehicle, regardless of fault.

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  Comprehensive coverage

  Comprehensive coverage pays for repairs on your car if it’s damaged due to weather, theft, or another non-collision event.

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  Gap coverage

  Gap insurance pays the difference between your auto loan or lease and your insurance settlement in the event of a total loss.

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  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.

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  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 $126 per month to $172 per month. But a DUI increases rates to $179 per month, on average. Here’s how average car insurance quotes in Dover change based on driving history.

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.

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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.

Dover car insurance FAQs