Cheapest Car Insurance Quotes in Dover Plains

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Dover Plains Car Insurance

^$ 48

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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.

Table of Contents

How Much Is Car Insurance in Dover Plains

The car insurance rate in Dover Plains is $1132 for a six-month policy, which is $103 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $607, making it a popular choice for budget-conscious drivers. Rates in Dover Plains 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.

Avg. Car Insurance in Dover Plains

$1132

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Dover Plains

1st place: Kemper

At $607 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $804 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $811 for six months, making it the third cheapest auto insurance company in Dover Plains.

Dover Plains Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dover Plains, NY is Kemper, offering policies at just $607 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $804.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1692 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dover Plains drivers find the best deals.

Cheap Car Insurance Companies in Dover Plains, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$607	$103
New York Central Mutual Fire	$804	$134
Progressive	$811	$136
American Family	$941	$158
NYCM	$987	$166
Erie	$1183	$197
Nationwide	$1189	$202
USAA	$1196	$201
State Farm	$1483	$250
Travelers	$1562	$263
Allstate	$1692	$285

Key Takeaways

Way's key takeaways about car insurance in Dover Plains

The auto insurance costs in Dover Plains fall around $607 for six months.
The cheapest auto insurance company in Dover Plains is New York Central Mutual Fire.
Teen drivers pay the highest rate in Dover Plains at $862 per month.

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Cheapest Minimum Liability Car Insurance in Dover Plains

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 Plains are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Dover Plains. Their Average 6 Month Premium is $287. Preferred Mutual is the most expensive at $758 for the same period.

Cheapest Liability Coverage in Dover Plains, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$287	$48
NYCM	$300	$51
Kemper	$353	$58
Progressive	$418	$70
American Family	$425	$72
USAA	$516	$87
Nationwide	$549	$91
Erie	$693	$118
State Farm	$804	$135
Travelers	$862	$145
Allstate	$902	$152
Utica National	$627	$107
Preferred Mutual	$758	$127

Cheapest Full Coverage Car Insurance in Dover Plains

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 Plains is Kemper at $103 per month and $607 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dover Plains, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$607	$103
New York Central Mutual Fire	$804	$134
Progressive	$811	$136
American Family	$941	$158
NYCM	$987	$166
Erie	$1183	$197
Nationwide	$1189	$202
USAA	$1196	$201
State Farm	$1483	$250
Travelers	$1562	$263
Allstate	$1692	$285

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Average Car Insurance in Dover Plains by Rating Factor

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.

I have a clean driving record. Why is my car insurance rate here in Dover Plains, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Dover Plains, New York, may be increasing due to several external factors. New York 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 Plains's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Dover Plains

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.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$619
30s	National Grange Mutual	$441
40s	National Grange Mutual	$425
50s	National Grange Mutual	$431
60s	National Grange Mutual	$464
70s	National Grange Mutual	$637

Cheapest Car Insurance Rates for Teen Drivers in Dover Plains,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Dover Plains at $68 per month. At $5123 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$411	$68
American Family	$496	$84
NYCM	$829	$140
Progressive	$1313	$221
New York Central Mutual Fire	$1431	$239
USAA	$2627	$442
Nationwide	$3431	$572
Travelers	$4247	$715
Allstate	$4594	$773
State Farm	$5123	$862

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Dover Plains.

As young drivers face the highest rates in Dover Plains, National Grange Mutual offers the cheapest auto insurance rates at $619 for six months.

Car Insurance Rates by Credit Score & Driving History

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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Dover Plains, Chubb is the cheapest car insurance provider. At $882 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 Plains is Progressive, offering rates of around $5691 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$882	$147
Kemper	$922	$156
Nationwide	$1189	$198
USAA	$1647	$281
NYCM	$1718	$286
Erie	$1862	$317
American Family	$2189	$365
Allstate	$2241	$377
State Farm	$2320	$391
Mercury	$2725	$463
Travelers	$2783	$469
Progressive	$5691	$958

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Car Insurance Rates with An Accident in Dover Plains

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 Plains, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Dover Plains

The cheapest car insurance companies after an at-fault accident in Dover Plains include Kemper and American Family, offering $509 and $523, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $634.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$509	$85
American Family	$523	$88
NYCM	$634	$107
Erie	$693	$118
Chubb	$765	$128
Progressive	$836	$141
New York Central Mutual Fire	$967	$162
USAA	$1038	$175
Nationwide	$1562	$261
Allstate	$1575	$265
State Farm	$1902	$320
Travelers	$1934	$326
Utica National	$627	$107
Preferred Mutual	$634	$106

Dover Plains Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dover Plains NY. For example, the car insurance in Dover Plains after a DUI increases to $785 for a six month policy. While the rate increases by $125 for a six-month policy in the case of a speeding ticket.

Dover Plains auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1378	$230
One Med/PIP claim	$1378	$234
One comp claim	$1392	$232
Two comp claims	$1405	$239
Two Med/PIP claims	$1405	$234
Not-at-fault accident	$1411	$240
Failure to show documents	$1431	$239
Failure to wear a seat belt	$1438	$244
Driving with expired registration	$1451	$242
At-fault accident - less than $1000	$1458	$248
Cell phone violation	$1458	$243
Child safety restraint	$1458	$248
Driving without lights	$1458	$243
Failure to stop at a red light	$1458	$248
Failure to yield	$1458	$243
Following too closely	$1458	$248
Illegal turn	$1458	$243
Improper passing	$1458	$248
Passing school bus	$1458	$243
Texting while driving	$1458	$248
Wrong way/wrong lane	$1458	$243
Driving too slowly	$1471	$250
Speeding in school zone	$1471	$245
At-fault accident - $1000-$2000	$1476	$251
Speeding 11 - 15 MPH over limit	$1503	$251
Speeding 6 - 10 MPH over limit	$1503	$255
Operating a vehicle without permission	$1529	$255
Open container	$1549	$263
In 65 MPH zone	$1614	$270
Speeding 16 - 20 MPH over limit	$1634	$278
Speeding 21 - 25 MPH over limit	$1692	$282
At-fault accident - greater than $2000	$1823	$310
Reckless driving	$1947	$325
Racing	$2025	$344
Driving with a suspended license	$2098	$350
Refusal to submit to a chemical test	$2143	$364
DUI	$2163	$361
Leaving scene of an accident/hit and run	$2196	$373

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Way Tip

Avoid Having A DUI On Your Driving Record.

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.

Car Insurance Rates in Dover Plains after a DUI

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 Plains.

The cheapest car insurance premiums in Dover Plains are offered by American Family at $496 for a six-month policy. However, it can be as expensive as $2215 with companies like State Farm.

Dover Plains car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$496	$84
Kemper	$523	$89
Progressive	$634	$107
NYCM	$798	$134
New York Central Mutual Fire	$1176	$196
USAA	$1254	$211
Allstate	$1862	$314
Travelers	$1914	$322
Nationwide	$1940	$323
State Farm	$2215	$373

Cheapest car insurance after a speeding ticket

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 Plains are offered by American Family at $438. However, it can be as expensive as $2247 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Dover Plains after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$438	$75
Kemper	$438	$73
Progressive	$542	$91
NYCM	$725	$121
USAA	$987	$168
Nationwide	$1360	$227
State Farm	$1471	$250
Travelers	$2149	$359
Allstate	$2247	$382

Car Insurance Price Trends in Dover Plains, New York

Car insurance rates in Dover Plains have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Dover Plains dipped by $272 in December compared to $273 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the Dover Plains dipped to $94 in December, compared to $97 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Dover Plains?

The car insurance in Dover Plains is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Dover Plains?

The cheapest car insurance in Dover Plains is $103 per month for full coverage.

How much is car insurance in Dover Plains for teenagers?

Car insurance for teenagers costs $411 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 Plains?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $190 per month to insure your car in Dover Plains.

Is car insurance expensive in Dover Plains?

Car insurance can be expensive in Dover Plains if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Dover Plains can be affordable.

Cheapest Car Insurance Quotes in Dover Plains

Why you can trust Way?

How Much Is Car Insurance in Dover Plains

Avg. Car Insurance in Dover Plains

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Dover Plains

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Dover Plains Car Insurance Rates by Company

Cheap Car Insurance Companies in Dover Plains, NY

Way's key takeaways about car insurance in Dover Plains

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dover Plains

Cheapest Liability Coverage in Dover Plains, NY

Cheapest Full Coverage Car Insurance in Dover Plains

Cheapest Full Coverage Car Insurance Quotes in Dover Plains, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dover Plains by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Dover Plains, NY increasing?

Car Insurance Premiums by Age in Dover Plains

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dover Plains,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Dover Plains.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Dover Plains

Cheapest Car Insurance Companies after an At-Fault Accident in Dover Plains

Dover Plains Car Insurance Rates by Violation

Dover Plains auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dover Plains after a DUI

Dover Plains car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dover Plains after Speeding ticket

Car Insurance Price Trends in Dover Plains, New York

Average Car Insurance Cost in Dover Plains by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dover Plains, NY

Car Insurance Rates by State in the USA (2025 Update)

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