Best Dover, DE Auto Insurance in 2024 (Find the Top 10 Companies Here)

The best Dover, DE auto insurance providers are State Farm, Geico, and Allstate. State Farm is a first-rate option with a reputation for great service and claims assistance. Geico is also a great way to save, with rates as low as $63 monthly.

Allstate’s local agent appeal is backed up with good service. By comparing these top providers, you can find the best auto insurance coverage options for your needs in Dover, Delaware.

Our Top 10 Company Picks: Best Dover, DE Auto Insurance

Find cheap auto insurance in Dover, Delaware, today. Enter your ZIP code in the free online quote tool above to get quotes for affordable auto insurance.

#1 – State Farm: Top Overall Pick

Pros

• Customer Service Excellence: State Farm is known for personalized customer service in Dover, Delaware, and for making car insurance easy for car owners to manage.
• Diverse Discounts: Provides several Dover car insurance discounts to help you save as much as possible on your premium. Check out our State Farm auto insurance review for more details.
• Efficient Claims Process: Dover residents can rest assured that their cases will be processed appropriately and receive the support they need in due time.

Cons

• Limited Digital Services: State Farm’s digital tools are not as advanced as some competitors, which can cause issues for car owners in Dover who wish to manage their insurance via their computers.
• Higher Premiums Sometimes: State Farm’s premiums often exceed those of other competing providers, making it less preferable to Dover car owners who want more affordable insurance.

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#2 – Geico: Best for Competitive Rates

Pros

• Competitive Rates: Offers low-cost car insurance in Dover, Delaware, for cost-conscious drivers. For additional information, review our Geico auto insurance review.
• Strong Financial Stability: Geico’s A++ rating puts Dover drivers in the hands of a top insurance company when paying insurance claims.
• Convenient Online Tools: Provides Dover residents easy access to car insurance management and claims through an intuitive platform.

Cons

• Limited Local Support: Fewer agents in Dover, Delaware, means less face-to-face insurance assistance for car owners.
• Basic Coverage Options: Geico’s car insurance may lack some essential add-ons, like new car replacement, which Dover drivers find essential.

#3 – Allstate: Best for Local Agents

Pros

• Established Agent Network: Allstate’s strong presence in Dover, Delaware, means car owners can access face-to-face support for their insurance needs, making it a good choice for those who value personalized service.
• Accident Forgiveness Option: Dover drivers benefit from insurance rate protection after a first accident. To gather additional information, read our Allstate auto insurance review.
• Comprehensive Coverage Choices: Allstate’s range of coverage options makes it attractive to Dover, Delaware, car owners who want a broad selection of car insurance policies.

Cons

• Higher Premiums for High-Risk Drivers: Dover drivers with a record may find car insurance costs steeper with Allstate.
• Strict Claims Review: Allstate’s thorough process can mean slower resolutions for Dover residents’ insurance claims.

#4 – Progressive: Best for Custom Coverage

Pros

• Tailored Coverage: Insurance for Dover drivers can be designed for specific needs, whether they have a unique car or not. To learn more, consult our Progressive auto insurance review.
• Snapshot Program: This program provides responsible Dover drivers with insurance savings while rewarding their good driving behaviors.
• Reliable Repair Network: Progressive users have access to a large repair network, which makes the claims process easy for Dover residents.

Cons

• Higher Price for Multiple Claims: If Dover drivers submit multiple claims, expect to pay more for coverage.
• Higher Rates for Younger Drivers: If you have a young driver, Progressive’s insurance costs can be less competitive with those of Dover drivers.

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#5 – Farmers: Best for Comprehensive Options

Pros

• Extensive Policy Options: Farmers’ provides insurance customization, rideshare coverage, new car insurance options, and more in Dover, Delaware.
• Reputable Customer Service: Recognized for having responsive support to Dover insurance clients, especially during claims.
• Convenient Mobile App: Dover drivers can easily manage car insurance policies and claims on their mobile devices. Please read our Farmers auto insurance review for more information.

Cons

• Above-Average Premiums: Farmers’ insurance rates for Dover drivers may be higher than local competitors.
• Limited Discounts for Experienced Drivers: Fewer discounts for long-term drivers may impact Dover residents’ savings.

#6 – Liberty Mutual: Best for Unique Coverages

Pros

• Unique Policy Add-Ons: Offers options like teachers’ coverage, adding value for Dover drivers seeking specialized insurance.
• Large Bundling Discount: Up to 22% savings for Dover, DE residents who bundle car insurance with other policies. Learn more by reviewing our Liberty Mutual auto insurance review.
• High Coverage Limits: Dover drivers needing extra financial protection benefit from Liberty Mutual’s high-limit policies.

Cons

• Above-Average Premiums: Dover, Delaware drivers may find Liberty Mutual’s insurance rates higher than some competitors.
• Limited Local Agent Support: Fewer agents in Dover make in-person insurance support less accessible for residents.

#7 – Nationwide: Best for Customer Satisfaction

Pros

• High Satisfaction Ratings: Recognized for providing service to Dover, Delaware, auto insurance customers, providing dependable service and support.
• Broad Range of Discounts: Dover drivers can access discounts, including safe-driving and bundling discounts. Discover more details in our Nationwide auto insurance review.
• Strong Financial Rating: Nationwide’s A+ rating reassures Dover residents that insurance claims will be reliably covered.

Cons

• Limited Advanced Features: Some Dover, Delaware drivers may find Nationwide’s insurance options lacking certain add-ons.
• Higher Rates for Older Vehicles: Premiums for older cars may be higher, impacting affordability for some Dover drivers.

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#8 – Travelers: Best for Dependable Coverage

Pros

• Dependable Coverage Options: This company offers Dover, Delaware, drivers general coverage for their day-to-day needs.
• Top Financial Stability: Delaware drivers can trust that Travelers’ A++ rating will see that their claims are settled. To find out more, please refer to our Travelers auto insurance review.
• Safe Driving Program: Drivers in Dover with clean driving records earn monetary rewards that help lower their overall insurance premiums.

Cons

• Limited Local Presence: Fewer Travel agents in Dover, Delaware, make it less ideal for those seeking in-person insurance support.
• Less Customizable Coverage: Offers fewer insurance customization options for Dover drivers with specific coverage needs.

#9 – The Hartford: Best for Senior Focus

Pros

• Senior-Focused Policies: Customized coverage for Dover seniors, with plans designed just for them. Check out our The Hartford auto insurance review for more details.
• Enhanced Roadside Assistance: Dover senior citizens receive added peace of mind while traveling with complete roadside service.
• Lifetime Renewability Option: Eligible Dover, Delaware drivers can secure ongoing car insurance for long-term stability.

Cons

• Limited Appeal for Young Drivers: Dover’s younger drivers may find The Hartford’s senior-focused insurance less appealing.
• Above-Average Premiums: Standard car insurance rates in Dover, Delaware, may be higher, impacting cost-conscious drivers.

#10 – Amica: Best for Customer Loyalty

Pros

• High Customer Loyalty: Dover, Delaware drivers value Amica for stable car insurance and a focus on long-term relationships.
• Efficient Claims Service: Known for fast, customer-centered claim handling for Dover car insurance customers. Learn more by reviewing our Amica auto insurance review.
• Flexible Deductibles: Offers Dover drivers options for adjusting deductibles to better fit their car insurance budget.

Cons

• Limited Physical Locations: Fewer physical offices in Dover, DE, limiting in-person support for Amica insurance customers.
• Higher Premiums for Young Drivers: Young Dover drivers may find Amica’s car insurance premiums on the higher end.

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Compare Dover, DE Auto Insurance Rates: Monthly Costs by Provider and Coverage Level

For those with many options in auto insurance coverage in Dover, DE, determining which one best fits their needs can be daunting. To ease that decision, we have compiled a comparison of the monthly rates by provider, both for minimum and full coverage options, so you may see which companies offer the most affordable plans for your needs.

Dover, DE Auto Insurance Monthly Rates by Provider & Coverage Level

Comparing auto insurance rates can help you make a well-informed decision on the best coverage at the best price. Review these top providers and choose the best plan for your budget and coverage needs.

Top Auto Insurance Discounts in Dover, DE: Save Big With Leading Providers

Do you need to know how to save on auto insurance in Dover, Delaware? The biggest providers offer different discounts, which will impact your premium amazingly. There are safe driving and bundling options, and even for students or military personnel, it is just a means of tailoring your coverage so you can bring down costs.

Auto Insurance Discounts From the Top Providers in Dover, DE

Finding the ideal auto insurance in Dover, DE, can be overwhelming, but it’s possible to lower premiums by using available discounts. From multi-policy savings to rewards for safe driving and low mileage, here is a quick overview of the best discounts and participating providers to help you make an informed choice.

Dover, DE Report Card: Auto Insurance Discounts

Maximizing your savings starts with understanding which discounts you qualify for and comparing quotes from top providers. Use this report card as your guide to secure the best rates and coverage for your needs in Dover, DE.

Auto Insurance Rates in Dover, DE

In Delaware, drivers must meet specific minimum auto insurance coverage requirements to ensure financial protection in case of an accident. Having the required coverage keeps you compliant with Delaware law and helps safeguard you and others on the road. Be sure to review your policy and ensure it meets these minimums.

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? Here’s a quick look at the essential coverage types and limits mandated by the state.

Delaware Minimum Auto Insurance Requirements

Remember that, unlike most states, Delaware 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.

5 Most Common Auto Insurance Claims in Dover, DE

Understanding the most common auto insurance claims in Dover, DE, can help drivers make informed decisions about their coverage. With a policy tailored to your needs, you can stay protected and prepared for any upcoming events on the road. Drive safely and ensure your coverage fits your lifestyle.

Gender and Age Can Impact 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 will get into an accident. Insurance companies have decades of data proving that this is the case.

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 shown in the chart below. Let’s look at a table comparing rates for a couple of different ages.

Dover, DE Auto Insurance Monthly Rates by Provider & Age

Insurance Company	Age: 34	Age: 17
	$78	$199
	$129	$547
	$51	$178
	$55.00	$232
	$65	$228

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 because they can earn discounts by bundling multiple policies. Of course, to be eligible, all of your policies must be bundled with the same company.

Cities With the Cheapest Auto Insurance Rates in Dover, DE

The cheapest car insurance is usually found in cities with lower population densities. Because fewer automobiles are on the road, you have fewer opportunities to get into a major car accident with another driver. Dover’s population is 37,366, and the median household income is $45,969. The table shows average auto insurance rates in Dover and nearby towns and cities.

Delaware Auto Insurance Monthly Rates by City

Whatever your specific requirement, these best automobile insurance companies in Dover, Delaware, offer various discounts. Compare offers and get the right discounts for your lifestyle.

Cheapest Auto Insurance Rates by Company

This table shows the rates for the five main companies operating in Dover. Liberty Mutual is the most expensive of the five.

Dover, DE Auto Insurance Monthly Rates by Company

When setting auto insurance rates, companies consider driving violations, accident claims, credit scores, miles driven each year, age, and gender. 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.

Dover, DE Auto Insurance Report Card: Affordability & Coverage

This report card analysis on affordability, coverage, discounts, claims processing, and customer service will result in a competitive rate and wide coverage options for Dover, DE drivers.

Dover, DE Report Card: Auto Insurance Premiums

Dover, DE, has a good selection of auto insurance providers; most are affordable and provide good coverage. Still, customer service can be improved, but overall, this landscape ensures that today’s drivers can have dependable policies that are reasonably priced. Compare providers to find the best fit for your needs today.

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% of Dover residents drive to work in their cars and 7% carpool.

Your insurance company will want to know how many miles you drive yearly, but 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

As you raise your deductible, you still have a shot at additional forms of coverage or higher levels of coverage while paying relatively low rates. Don’t forget to save that savings account for some rainy day when you file a claim.

Best Auto Insurance for Credit History Rates

Unfortunately, many insurance agencies 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 pay 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 and poor credit.

Dover, DE Auto Insurance Monthly Rates by Credit Score

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 and 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 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. When calculating your rates, your provider will ignore a minor violation if you qualify. Let’s see a table comparing rates for someone with a perfect record to someone with a minor or major blemish.

Dover, DE Auto Insurance Monthly Rates by Driving Record

As you can see, even a minor traffic infraction will raise your rates, but a DUI will cause them to skyrocket. Compare quotes from Allstate, Liberty Mutual, NGM, Nationwide, and State Farm to find the best coverage at the best price.

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Factors That Affect Auto Insurance Rates in Dover, DE

The cheapest Dover, DE auto insurance can vary significantly in monthly premiums by company and type of car. Whether you drive a sedan, SUV, truck, or luxury car, compare prices across top companies, including Allstate, State Farm, and Liberty Mutual. If you drive a luxury vehicle, you should invest in coverage beyond basic liability, such as collision and comprehensive coverage.

Dover, DE Auto Insurance Monthly Rates by Provider, Vehicle Make, & Model

As you can see, what you drive matters. Your rates can double if you drive a luxury car compared to a standard four-door sedan. Now that we’ve covered the vehicle, how about the road?

Road Conditions

Insurance companies will also consider how safe the roads where you live are 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. Let’s look at a chart showing the number of fatal accidents in Dover.

Fatal Vehicle Accident Statistics in Dover, DE

As you can see, half the fatal accidents in Dover were caused by drunk drivers. This may negatively impact your monthly rates if your insurer believes it raises the risk of insuring you.

Traffic Congestion in Dover, DE

Traffic in Dover, Delaware, tends to be more congested, particularly during rush hour, which makes collisions more likely. Insurance companies also consider traffic conditions when setting premiums; the more vehicles on the road, the more expensive it is for drivers with past violations or accidents.

To secure the best auto insurance in Dover, maintain a clean record, understand local traffic patterns, and shop around for competitive rates.

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 theft rates and claims, you can expect to pay more for auto insurance to offset the potential cost of claims to your insurer.

Dover, DE Average Monthly Auto Insurance Rates: Collision vs. Comprehensive Coverage

In conclusion, vehicle theft is a real concern in Dover, DE, with 86 stolen vehicles reported in 2013. Consider adding comprehensive coverage to your auto insurance policy to safeguard your car and finances. While the rates may be higher, the peace of mind knowing you’re protected against theft can be invaluable.

Delaware, DE Accident & Claim

Understanding accident and claim statistics in Dover, DE, and neighboring cities is essential for drivers seeking the best auto insurance coverage. The data provides valuable risk-level insights, helping residents make informed policy decisions.

Dover, DE Accidents & Claims per Year by City

By examining accident and claim trends in Dover and nearby areas, drivers can better prepare for potential risks and select coverage that meets their needs. Stay informed and compare options to secure your city’s best auto insurance rates.

Compare and Find the Best Car Insurance in Dover for Reliable Coverage and Savings

The right car insurance in Dover is essential for drivers looking for reliable coverage at reasonable prices. Many car insurance companies in Dover offer various options to fit different needs and budgets. By comparing auto insurance quotes in Dover, you can identify the best policy that suits your circumstances.

Accessing car insurance quotes in Dover online or through local car insurance agents in Dover makes it easy and ensures you get personalized recommendations. These resources help you navigate Dover car insurance costs and choose the coverage that provides maximum value.

For affordability seekers, cheap car insurance Dover DE options help reduce monthly expenses without sacrificing coverage quality. Top auto insurance Dover providers are known for offering the best car insurance rates in Dover while maintaining excellent customer service.

Leading car insurance companies in Dover prioritize competitive pricing and diverse policy options, making it easier to protect your vehicle and finances effectively. You can find a plan that protects you and fits your lifestyle by staying informed. Start your search today and use free tools and quotes to find the best rates and coverage.