UPDATED: Aug 17, 2020
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Do you need cheap auto insurance in Dover, DE? Searching for auto insurance can be a hassle, but we’ve done all the hard work for you. We’ve done the research and collected all of the info you need to know in this handy guide to cheap auto insurance in Dover.
Before we get into how you can get auto insurance in Dover, DE, why not take a look at some quotes from the best providers by entering your ZIP code into the quote box above. You’ll be on your way to finding affordable car insurance from the best auto insurance companies in no time.
Auto Insurance Rates in Dover, DE
From tax-free holiday shopping to NASCAR, Dover has something for every tourist. It’s long been a city known for public service and government activity.
Fun Fact: Did you know Dover is #23 on the list of “Top 101 cities with the largest percentage of females working in industry: Electronic shopping and mail-order houses (population 5,000+)”?
What type of coverage does Delaware require? Let’s consult a table showing coverage information courtesy of the Delaware state government.
|Bodily Injury Protection||$25,000/$50,000|
|Personal Injury Protection||$15,000/$30,000|
Keep in mind that, unlike most states, Delaware also requires drivers to add Personal Injury Protection (PIP) to their minimum requirements.
If you’re seriously hurt in an accident and it is deemed “no-fault,” Personal Injury Protection (PIP) car insurance is one of the few ways in which you can get your medical bills covered by your insurance.
Take a look at this video from Allstate on PIP insurance.
Delaware insurance averages can be a little high – some studies show that the average driver is paying somewhere around $132 per month for basic coverage. However, you can get covered in Dover for as little as $76/mo* while still maintaining good coverage on your vehicle.
Insurance companies take numerous variables into account when determining auto insurance rates for customers. Let’s take a look at some of these factors, as they should help you figure out which insurers might be best for you.
Do gender and age affect my auto insurance rates in Dover, DE?
It’s not unusual for insurance companies to charge men and women different rates, though this is becoming increasingly less frequent, as some states have banned insurers from considering this factor.
Age is generally much more significant. This is because the less experience you have behind the wheel, the more likely you are to get into an accident. Insurance companies have decades of data proving that this is the case.
And if you are more likely to get into an accident, your insurance company will protect itself against that risk by charging you higher rates, as you can see in the chart below.
Let’s look at a table comparing rates for a couple of different ages.
Dover, DE Average Monthly Auto Insurance Rates by Age
|Companies||Average Monthly Rates for a 34-Year-Old||Average Monthly Rates for a 17-Year-Old|
|National Grange Mutual||$55||$232|
As you can see, 17-year-olds pay much more than drivers with more experience behind the wheel. For instance, National Grange Mutual charges them four times as much as a 34-year-old.
Marital status can also be a factor. Married couples have the advantage over singles in that they can earn discounts by bundling multiple policies together.
Of course, all of your policies have to be bundled with the same company in order to be eligible.
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What ZIP codes have the cheapest auto insurance rates in Dover, DE?
The cheapest car insurance is usually found in cities with lower population densities. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. Dover’s population is 37,366 and the median household income is $45,969.
Take a look at the next table, which shows average auto insurance rates in Dover and along with a few nearby towns and cities.
|Companies||Average Monthly Dover Rates||Average Monthly Bear Rates||Average Monthly Newark Rates||Average Monthly Pike Creek Rates||Average Monthly Wilmington Rates|
As you can see, your ZIP code absolutely has an effect on your insurance premiums. The good news is, if you’re a Dover resident, you’re going to be paying the lowest rates with all five of the shown companies.
Which companies have the best auto insurance rates in Dover, DE?
There are at least three very solid options for auto insurance providers in Dover.
If you’re a Dover resident shopping around for the lowest rate, your best bets are probably Nationwide, State Farm, or National Grange Mutual. However, keep in mind that low rates are just one piece of the puzzle. What if the company has bad customer service or its claims process is a nightmare? Then the low rates might not be worth it.
Now, let’s see who offers the cheapest rates.
Cheapest Auto Insurance Rates by Company
This table will show the rates for five of the main companies operating in Dover.
|Companies||Average Monthly Rates|
|National Grange Mutual||$55|
As you can see, of the five companies shown, Liberty Mutual is by far the most expensive. Here is a Liberty Mutual review, should you be interested.
In addition to age and gender, car insurance companies consider things like driving violations, accident claims, credit score, and miles driven each year when setting auto insurance rates.
Also, as you’ve seen in the tables, rates vary from provider to provider. To find out whether you’re still paying the most affordable rates, compare cheap Delaware car insurance by entering your ZIP code in the box below to find car insurance rates in Delaware.
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Best Auto Insurance for Commute Rates
Depending on what part of the city you live in, your commute could be as short as 14 minutes or as long as 26 minutes on average in Dover. More than 75 percent of Dover residents drive to work in their own cars and seven percent of residents carpool.
Your insurance company will want to know how many miles you drive every year, but in reality, your answer will only change your premiums by a few percentage points. However, if it’s a business vehicle rather than a personal one, it’ll cost you around 10-13 percent more to insure on average.
Best Car Insurance for Coverage Level Rates
You can get additional forms of coverage added to your policy or get higher coverage levels, and still pay relatively low rates if you raise your deductible. Just remember to put away part of that savings for a rainy day in case you do ever have to file a claim.
Best Auto Insurance for Credit History Rates
Unfortunately, many insurance agencies these days use your credit score to determine how much to charge you for premiums. Automotive insurance is no exception. The better your credit score is, the less you have to worry.
But if you have poor credit, you could end up paying twice or even three times as much as someone with a higher credit score.
Let’s look at a table comparing rates for those with excellent credit and poor credit.
|Companies||Average Monthly Rates with Excellent Credit||Average Monthly Rates with Poor Credit|
|National Grange Mutual||$46||$106|
As you can see, poor credit can sometimes double or even triple your insurance rates. For instance, State Farm charges someone with excellent credit $45 whereas they charge someone with poor credit $154. Here is a State Farm insurance review should you be interested.
Best Auto Insurance for Driving Record Rates
Having several violations on your record, or having a serious violation such as drunk driving, will significantly raise your monthly rates. It may even make you ineligible for coverage with some companies.
But if you only have one or two minor citations in the last few years, look into your provider’s “Accident Forgiveness” policy. Your provider will ignore a minor violation when calculating your rates if you qualify.
Let’s take a look at a table comparing rates for someone with a perfect record compared to someone with a minor or major blemish on their record.
|Companies||Average Monthly Rates with a Good Record||Average Monthly Rates with a Minor Speeding Ticket||Average Monthly Rates with a DUI/Reckless Driving Violation||Average Monthly Rates with a Major At-Fault Accident|
|National Grange Mutual||$55||$55||$181||$101|
As you can see, even a minor traffic infraction will raise your rates, but a DUI will cause them to skyrocket.
What affects auto insurance rates in Dover, DE?
As you’ve seen throughout this article, there are many factors that can influence your rates. One we’ve yet to consider is the vehicle you drive.
Common, inexpensive vehicles are cheaper to insure for a variety of reasons. For one, fixing a dented bumper or replacing an engine part in a Honda sedan is decidedly cheaper than similar repairs on a luxury sports car.
If you drive a luxury vehicle, you’ll want to invest in coverage beyond basic liability, such as collision and comprehensive coverages.
Let’s take a look at a table comparing rates for a 2015 Honda Accord and a 2012 Poche Boxster Spyder.
|Companies||Average Monthly Rates for a 2015 Honda Accord||Average Monthly Rates for a 2012 Porche Boxster Spyder|
|National Grange Mutual||$55||$110|
As you can see, what you drive matters. If you drive a sports car, your rates can double in comparison to driving a standard four-door sedan.
Now that we’ve covered the vehicle, how about the road?
Insurance companies will also consider how safe the roads are where you live when setting your rates.
The good news is that, as a whole, accident statistics are fairly low for the city of Dover. However, in per capita terms, it’s higher than in other parts of the state. This may have a negative impact on your monthly rates if your insurer believes that it raises the risk of insuring you.
Let’s take a look at a chart showing the number of fatal accidents in Dover.
|Vehicle Accident Data||Statistics|
|Fatal Accident Count||4|
|Vehicles Involved in Fatal Crashes||12|
|Fatal Crashes Involving Drunk Persons||2|
|Persons Involved in Fatal Crashes||7|
|Pedestrians Involved in Fatal Accidents||0|
As you can see, half the fatal accidents in Dover were caused by a drunk driver.
Vehicle Theft in Dover, DE
Living in a large city (especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your location has high rates of theft and claims, you can expect to pay more for auto insurance to offset the potential cost of claims to your insurer.
The total number of stolen vehicles in Dover was 86 in 2013. Protect yourself from becoming another statistic by adding comprehensive coverage to your policy.
It’s the only type of coverage that will pay out if you have to file a theft claim.
Let’s take a look at a table comparing basic and comprehensive coverage rates.
|Companies||Average Monthly Rates with Basic Coverage||Average Monthly Rates with Comprehensive Coverage|
|National Grange Mutual||$55||$106|
Let’s move on to congestion levels in Dover.
Traffic Congestion in Dover, DE
Dover, Delaware is the 199th-most congested city in the country. On average, this congestion costs each driver $107 per year.
If you’re wondering, “How can I get the best auto insurance near me?” just type your ZIP code into our tool below to find the cheapest insurance in Dover by comparying auto insurance quotes in Delaware. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions: Cheap Auto Insurance in Dover, DE
We hope we’ve covered everything, but just in case, check out some common questions below.
#1 – Who has the cheapest car insurance in Delaware?
Travelers tends to have the cheapest rates, at about $2,200 for drivers with a significant blemish on their record.
#2 – How much is car insurance in Delaware?
On average, drivers in Delaware pay $3,590 per year for car insurance.
#3 – Is car insurance cheaper in Delaware? Is Progressive Auto Insurance in Delaware?
No, auto insurance is not particularly cheap in Delaware. Residents of the state pay more than the average American. Progressive Insurance is located at 131 Continental Drive in Newark, DE. There is also a Progressive Insurance located in Millsboro, DE.
#4 – Why is car insurance so expensive in Delaware?
Mostly due to population, as Delaware ranks sixth in population density.
#5 – What are the worst insurance companies?
AIG, State Farm, Conseco, and WellPoint tend to be the worst-reviewed insurance companies.
#6 – Is Geico really the cheapest?
Yes, they generally rank as the cheapest of the five largest insurers.
#7 – Is Delaware a no-fault state for auto insurance?
Delaware is not a true no-fault state but they require Personal Injury Protection.
#8 – What state has the cheapest auto insurance?
Maine has the cheapest auto insurance in the country.
#9 – What type of coverage does Delaware require?
Delaware requires bodily injury liability, property damage liability, uninsured motorist coverage, and personal injury protection (PIP).
#10 – What is the penalty for driving without insurance in Delaware?
A maximum fine of $1,500 for the first offense. Penalties get more severe with subsequent offenses.
#11 – What is the best way to keep your insurance rates low?
Shop around and compare insurance rates, ask for higher deductibles, and buy your homeowners and auto coverage from the same insurer.
#12 – How do I get health insurance in Delaware?
You can purchase health insurance from the Health Insurance Marketplace.
#13 – Is car insurance required in Delaware?
Yes, you must have bodily injury, personal injury protection, uninsured motorist coverage, and property damage liability.
#14 – Is Delaware a PIP state?
While they do have PIP, it is not a true no-fault state as they allow you to sue the individual who caused the accident.
#15 – How does Root insurance work?
It uses an app to record information about your driving habits.