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open/ DE/ dover

Cheapest car insurance in Dover, Delaware

Delaware requires minimum liability coverage of 25/50/10, plus $15,000 in PIP. Rates below are monthly estimates for the 25-55 driver, Full coverage, Fair credit bracket.

Filed per-carrier data
Methodology → All of Delaware →

Pulled directly from carrier rate filings for this city.

Dover is a smaller market, 39,403 residents, so filed data can take longer to catch up when a carrier changes pricing. The spread here is wide, 75% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 53% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 USAAFiled rate, credit/record adjusted $143.84
02 CSAAFiled rate, credit/record adjusted $162.44
03 State FarmFiled rate, credit/record adjusted $220.72
04 ProgressiveFiled rate, credit/record adjusted $260.40
05 GEICOFiled rate, credit/record adjusted $277.76
06 National GeneralFiled rate, credit/record adjusted $297.60
07 RootFiled rate, credit/record adjusted $317.44
08 TravelersFiled rate, credit/record adjusted $338.52
09 Direct AutoFiled rate, credit/record adjusted $360.84
10 Liberty MutualFiled rate, credit/record adjusted $419.12
11 AllstateFiled rate, credit/record adjusted $471.20
12 DairylandFiled rate, credit/record adjusted $576.60
Rate explainer
Why is your best rate $143.84 and not $209.31?

Dover is priced against 12 insurers for the 25-55 driver, Full coverage, Fair credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full +$49.19
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Fair (modeled) +$62.04
Driving record, Clean (modeled) +$0.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.