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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 $1021 for a six-month policy, which is $101 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $703, 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 $703 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.
NJM offers auto insurance rates at $838 for a six-month policy, making it one of the cheapest to insure with.
New Jersey Skylands Insurance offers auto insurance rates at $849 for six months, making it the third cheapest auto insurance company in Dover.
Based on our research, the cheapest car insurance company in Dover, NJ is New Jersey Manufacturers, offering policies at just $703 for a six-month term. This is followed by NJM, which has an average six-month premium of $838.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $925 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 |
|---|---|---|
| New Jersey Manufacturers | $703 | $119 |
| NJM | $838 | $141 |
| New Jersey Skylands Insurance | $849 | $145 |
| Progressive | $859 | $145 |
| Plymouth Rock | $914 | $154 |
| Allstate | $1033 | $174 |
| Travelers | $1065 | $179 |
| State Farm | $1135 | $191 |
| Amica Mutual | $1189 | $202 |
| Selective | $1238 | $207 |
| Farmers | $1508 | $257 |
| National General | $925 | $157 |
Save up to $971/yr with our auto insurance quotes
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.
New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Dover. Their Average 6 Month Premium is $324. National General is the most expensive at $340 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New Jersey Manufacturers | $324 | $54 |
| Plymouth Rock | $406 | $68 |
| Progressive | $406 | $68 |
| NJM | $438 | $74 |
| New Jersey Skylands Insurance | $476 | $79 |
| State Farm | $481 | $81 |
| Amica Mutual | $487 | $81 |
| Travelers | $487 | $82 |
| Amica | $557 | $93 |
| Selective | $589 | $100 |
| Allstate | $605 | $102 |
| Farmers | $978 | $167 |
| National General | $340 | $58 |
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 New Jersey Manufacturers at $119 per month and $703 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New Jersey Manufacturers | $703 | $119 |
| NJM | $838 | $141 |
| New Jersey Skylands Insurance | $849 | $145 |
| Progressive | $859 | $145 |
| Plymouth Rock | $914 | $154 |
| Allstate | $1033 | $174 |
| Travelers | $1065 | $179 |
| State Farm | $1135 | $191 |
| Amica Mutual | $1189 | $202 |
| Selective | $1238 | $207 |
| Farmers | $1508 | $257 |
| National General | $925 | $157 |
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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, New Jersey, may be increasing due to several external factors. New Jersey 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 | NJM | $698 |
| 30s | NJM | $542 |
| 40s | NJM | $502 |
| 50s | NJM | $463 |
| 60s | NJM | $427 |
If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Dover at $83 per month. At $5648 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New Jersey Skylands Insurance | $487 | $83 |
| Selective | $611 | $102 |
| NJM | $930 | $157 |
| New Jersey Manufacturers | $1611 | $268 |
| Travelers | $2254 | $379 |
| Plymouth Rock | $2416 | $407 |
| Allstate | $2422 | $408 |
| Progressive | $2638 | $444 |
| Amica Mutual | $2848 | $484 |
| State Farm | $3124 | $526 |
| Farmers | $5648 | $960 |
Teen Car Insurance Rates in NJ 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, Amica Mutual is the cheapest car insurance provider. At $594 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 Farmers, offering rates of around $5102 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Amica Mutual | $594 | $101 |
| New Jersey Skylands Insurance | $746 | $125 |
| Foremost | $833 | $142 |
| NJM | $1006 | $169 |
| Progressive | $1016 | $171 |
| Plymouth Rock | $1319 | $222 |
| Allstate | $2254 | $383 |
| Travelers | $3243 | $541 |
| State Farm | $4935 | $839 |
| Farmers | $5102 | $851 |
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, NJ, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Dover include New Jersey Skylands Insurance and NJM, offering $573 and $589, respectively. National General is an expensive provider with an average six-month premium of $395.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New Jersey Skylands Insurance | $573 | $96 |
| NJM | $589 | $99 |
| New Jersey Manufacturers | $741 | $124 |
| Plymouth Rock | $746 | $126 |
| Selective | $859 | $143 |
| Amica Mutual | $919 | $155 |
| Progressive | $1146 | $193 |
| State Farm | $1752 | $295 |
| Travelers | $1848 | $311 |
| Allstate | $2578 | $434 |
| Farmers | $4654 | $775 |
| National General | $395 | $66 |
Here is a list of driving violations that can increase your car insurance rates in Dover NJ. For example, the car insurance in Dover after a DUI increases to $1146 for a six month policy. While the rate increases by $157 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1054 | $176 |
| One Med/PIP claim | $1059 | $180 |
| Not-at-fault accident | $1108 | $185 |
| One comp claim | $1119 | $190 |
| Two Med/PIP claims | $1125 | $187 |
| Speeding 6 - 10 MPH over limit | $1211 | $206 |
| Speeding 11 - 15 MPH over limit | $1217 | $203 |
| Two comp claims | $1217 | $207 |
| Failure to show documents | $1232 | $206 |
| At-fault accident - less than $1000 | $1249 | $212 |
| Failure to wear a seat belt | $1265 | $211 |
| Driving too slowly | $1270 | $216 |
| Driving without lights | $1276 | $213 |
| Child safety restraint | $1298 | $220 |
| Driving with expired registration | $1298 | $217 |
| Wrong way/wrong lane | $1319 | $224 |
| Failure to yield | $1324 | $221 |
| Failure to stop at a red light | $1330 | $226 |
| Illegal turn | $1351 | $226 |
| Cell phone violation | $1368 | $233 |
| Texting while driving | $1368 | $228 |
| Speeding in school zone | $1390 | $237 |
| Operating a vehicle without permission | $1395 | $232 |
| Speeding 16 - 20 MPH over limit | $1395 | $238 |
| Improper passing | $1427 | $238 |
| Following too closely | $1432 | $244 |
| Passing school bus | $1491 | $248 |
| In 65 MPH zone | $1502 | $256 |
| Speeding 21 - 25 MPH over limit | $1552 | $258 |
| At-fault accident - $1000-$2000 | $1594 | $271 |
| At-fault accident - greater than $2000 | $1605 | $268 |
| Open container | $1795 | $305 |
| Reckless driving | $2103 | $350 |
| Leaving scene of an accident/hit and run | $2184 | $371 |
| DUI | $2200 | $367 |
| Refusal to submit to a chemical test | $2200 | $374 |
| Racing | $2206 | $368 |
| Driving with a suspended license | $2292 | $389 |
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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 Plymouth Rock at $643 for a six-month policy. However, it can be as expensive as $4697 with companies like Amica Mutual.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Plymouth Rock | $643 | $108 |
| NJM | $708 | $119 |
| Foremost | $730 | $124 |
| Progressive | $822 | $138 |
| Mercury | $844 | $144 |
| New Jersey Manufacturers | $908 | $151 |
| Selective | $962 | $164 |
| Allstate | $1373 | $231 |
| Travelers | $1432 | $241 |
| State Farm | $4179 | $703 |
| Farmers | $4627 | $787 |
| Amica Mutual | $4697 | $783 |
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 Plymouth Rock at $589. However, it can be as expensive as $2129 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Plymouth Rock | $589 | $99 |
| NJM | $746 | $126 |
| Progressive | $844 | $142 |
| State Farm | $1195 | $203 |
| Allstate | $1805 | $301 |
| Travelers | $1897 | $323 |
| Farmers | $2129 | $355 |
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 $224 in December compared to $221 of November. In other words, there has been an increase by $3 when you compare December and November.
The average cost of liability insurance in the Dover rose to $78 in December, compared to $76 in November. This represents an increase of $2 when comparing December and November.
How much is car insurance in Dover?
The car insurance in Dover is $54 per month, which is lower than the national average.
What is the cheapest car insurance in Dover?
The cheapest car insurance in Dover is $119 per month for full coverage.
How much is car insurance in Dover for teenagers?
Car insurance for teenagers costs $487 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 $1122 for a six-month policy. It will cost around $172 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, NJ?
The best car insurance company in Dover NJ is New Jersey Manufacturers, offering $703 for a six-month policy.
Cut auto insurance costs in Dover right now.