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Dover Car Insurance
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The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in Dover is $1047 for a six-month policy, which is $21 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $381, making it a popular choice for budget-conscious drivers. Rates in Dover can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $381 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.
AutoOwners Insurance Co offers auto insurance rates at $503 for a six-month policy, making it one of the cheapest to insure with.
Farm Bureau offers auto insurance rates at $672 for six months, making it the third cheapest auto insurance company in Dover.
Based on our research, the cheapest car insurance company in Dover, GA is Country Financial, offering policies at just $381 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $503.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1466 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dover drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $381 | $65 |
| Auto-Owners Insurance Co | $503 | $84 |
| Farm Bureau | $672 | $114 |
| Georgia Farm Bureau | $740 | $123 |
| Auto-Owners | $1078 | $182 |
| USAA | $1115 | $188 |
| Progressive | $1315 | $221 |
| Mercury | $1358 | $226 |
| Allstate | $1430 | $241 |
| Esurance P&C Ins Co | $1461 | $244 |
| State Farm | $1466 | $247 |
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Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Dover are given below.
AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Dover. Their Average 6 Month Premium is $224. Allstate is the most expensive at $769 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $224 | $38 |
| Farm Bureau | $285 | $48 |
| Georgia Farm Bureau | $303 | $51 |
| Auto-Owners | $363 | $61 |
| Mercury | $363 | $61 |
| Country Financial | $388 | $65 |
| USAA | $406 | $68 |
| Progressive | $449 | $75 |
| Central Insurance | $472 | $79 |
| State Farm | $697 | $117 |
| Allstate | $769 | $130 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Dover is Country Financial at $65 per month and $381 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $381 | $65 |
| Auto-Owners Insurance Co | $503 | $84 |
| Farm Bureau | $672 | $114 |
| Georgia Farm Bureau | $740 | $123 |
| Auto-Owners | $1078 | $182 |
| USAA | $1115 | $188 |
| Progressive | $1315 | $221 |
| Mercury | $1358 | $226 |
| Allstate | $1430 | $241 |
| Esurance P&C Ins Co | $1461 | $244 |
| State Farm | $1466 | $247 |
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The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Dover, Georgia, may be increasing due to several external factors. Georgia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Dover's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Georgia Farm Bureau | $724 |
| 30s | Georgia Farm Bureau | $579 |
| 40s | Georgia Farm Bureau | $556 |
| 50s | Georgia Farm Bureau | $532 |
| 60s | Georgia Farm Bureau | $528 |
| 70s | Georgia Farm Bureau | $640 |
If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Dover at $53 per month. At $7452 for a six-month premium, Progressive offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $321 | $53 |
| Mercury | $381 | $65 |
| Country Financial | $455 | $77 |
| Central Insurance | $472 | $81 |
| USAA | $1793 | $302 |
| Auto-Owners | $1970 | $332 |
| Georgia Farm Bureau | $2054 | $343 |
| Farm Bureau | $2145 | $365 |
| State Farm | $5313 | $895 |
| Allstate | $5344 | $900 |
| Progressive | $7452 | $1255 |
Teen Car Insurance Rates in GA by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
For those with poor credit scores in Dover, Country Financial is the cheapest car insurance provider. At $315 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Dover is State Farm, offering rates of around $4575 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Country Financial | $315 | $52 |
| Mercury | $369 | $63 |
| Farm Bureau | $672 | $112 |
| USAA | $1461 | $248 |
| Progressive | $2254 | $375 |
| Auto-Owners | $2369 | $403 |
| Allstate | $2581 | $430 |
| State Farm | $4575 | $778 |
Save up to $971/yr on car insurance rates in Dover.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Dover, GA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Dover include AutoOwners Insurance Co and Country Financial, offering $334 and $515, respectively. Allstate is an expensive provider with an average six-month premium of $2193.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $334 | $55 |
| Country Financial | $515 | $87 |
| Encompass | $569 | $95 |
| Central Insurance | $624 | $106 |
| Farm Bureau | $740 | $123 |
| Georgia Farm Bureau | $909 | $155 |
| Auto-Owners | $921 | $155 |
| USAA | $987 | $166 |
| Progressive | $1824 | $307 |
| State Farm | $1848 | $311 |
| Allstate | $2193 | $369 |
Here is a list of driving violations that can increase your car insurance rates in Dover GA. For example, the car insurance in Dover after a DUI increases to $1103 for a six month policy. While the rate increases by $346 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1296 | $216 |
| One Med/PIP claim | $1296 | $220 |
| One comp claim | $1303 | $217 |
| Two Med/PIP claims | $1303 | $221 |
| Not-at-fault accident | $1309 | $218 |
| Two comp claims | $1327 | $225 |
| Driving without lights | $1564 | $260 |
| Failure to wear a seat belt | $1564 | $266 |
| Child safety restraint | $1581 | $263 |
| Failure to show documents | $1581 | $269 |
| Cell phone violation | $1618 | $269 |
| Texting while driving | $1618 | $275 |
| Driving too slowly | $1642 | $273 |
| Speeding 6 - 10 MPH over limit | $1642 | $279 |
| Speeding in school zone | $1642 | $273 |
| Speeding 11 - 15 MPH over limit | $1648 | $281 |
| Driving with expired registration | $1654 | $275 |
| Failure to yield | $1654 | $282 |
| Following too closely | $1654 | $275 |
| Illegal turn | $1654 | $282 |
| Failure to stop at a red light | $1661 | $276 |
| Improper passing | $1661 | $283 |
| Speeding 16 - 20 MPH over limit | $1661 | $276 |
| Wrong way/wrong lane | $1661 | $283 |
| Speeding 21 - 25 MPH over limit | $1678 | $279 |
| Passing school bus | $1709 | $291 |
| In 65 MPH zone | $1715 | $286 |
| Open container | $1739 | $296 |
| At-fault accident - less than $1000 | $1745 | $291 |
| Operating a vehicle without permission | $1769 | $301 |
| At-fault accident - $1000-$2000 | $1902 | $317 |
| At-fault accident - greater than $2000 | $1915 | $325 |
| Refusal to submit to a chemical test | $2242 | $373 |
| Reckless driving | $2308 | $393 |
| Racing | $2363 | $394 |
| Driving with a suspended license | $2369 | $403 |
| DUI | $2399 | $400 |
| Leaving scene of an accident/hit and run | $2460 | $418 |
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A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Dover.
The cheapest car insurance premiums in Dover are offered by Mercury at $388 for a six-month policy. However, it can be as expensive as $1745 with companies like Progressive.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $388 | $66 |
| Auto-Owners Insurance Co | $503 | $84 |
| Country Financial | $546 | $92 |
| Esurance P&C Ins Co | $752 | $125 |
| Auto-Owners | $1200 | $202 |
| Farm Bureau | $1303 | $217 |
| USAA | $1412 | $238 |
| Georgia Farm Bureau | $1461 | $244 |
| State Farm | $1581 | $266 |
| Allstate | $1672 | $282 |
| Progressive | $1745 | $294 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Dover are offered by AutoOwners Insurance Co at $260. However, it can be as expensive as $1981 with companies like Progressive for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $260 | $44 |
| Country Financial | $285 | $48 |
| Mercury | $406 | $69 |
| Farm Bureau | $740 | $123 |
| Auto-Owners | $903 | $153 |
| USAA | $981 | $163 |
| State Farm | $1284 | $218 |
| Allstate | $1745 | $291 |
| Progressive | $1981 | $337 |
Car insurance rates in Dover have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Dover rose by $230 in December compared to $225 of November. In other words, there has been an increase by $5 when you compare December and November.
The average cost of liability insurance in the Dover rose to $73 in December, compared to $69 in November. This represents an increase of $4 when comparing December and November.
How much is car insurance in Dover?
The car insurance in Dover is $38 per month, which is lower than the national average.
What is the cheapest car insurance in Dover?
The cheapest car insurance in Dover is $65 per month for full coverage.
How much is car insurance in Dover for teenagers?
Car insurance for teenagers costs $321 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Dover?
The average cost of car insurance is $1026 for a six-month policy. It will cost around $175 per month to insure your car in Dover.
Is car insurance expensive in Dover?
Car insurance can be expensive in Dover if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Dover can be affordable.
What is the best car insurance in Dover, GA?
The best car insurance company in Dover GA is Country Financial, offering $381 for a six-month policy.
Cut auto insurance costs in Dover right now.