Car Insurance in Dover, DE – 2024 Rates + Cheapest to Insure

• Dover car insurance rates average $1,950 per year for a full coverage policy, or about $163 per month.
• Auto insurance rates for a few popular vehicles in Dover include the Hyundai Elantra at $2,120 per year, Toyota Highlander at $1,774, and Toyota RAV4 at $1,798.
• For cheap auto insurance in Dover, small SUVs like the Chevrolet Trailblazer, Kia Soul, Honda CR-V, and Volkswagen Tiguan have the most affordable rates.
• Vehicles with segment-leading auto insurance rates include the Acura Integra, Toyota GR Corolla, Subaru Crosstrek, Mercedes-Benz CLA250, and Chevrolet Tahoe.

How much does Dover car insurance cost?

Average car insurance rates in Dover, Delaware, cost $1,950 per year, or around $163 per month. That’s 3.5% more expensive than the overall overall U.S. national average rate of $1,883 per year.

In the state of Delaware, the average cost to insure a vehicle is $2,148 per year, so the average cost in Dover is $198 less per year. When prices are compared to other larger cities in Delaware, the average cost to insure a vehicle in Dover is about $222 per year cheaper than in Middletown, $110 per year less than in Smyrna, and $290 per year less than in Newark.

Driver age has the single biggest impact on the cost of car insurance, so the list below illustrates these differences by showing average car insurance rates in Dover for driver ages from 16 to 60.

Car insurance cost in Dover for drivers age 16 to 60

• 16 year old – $6,948 per year or $579 per month
• 17 year old – $6,730 per year or $561 per month
• 18 year old – $6,033 per year or $503 per month
• 19 year old – $5,493 per year or $458 per month
• 20 year old – $3,926 per year or $327 per month
• 30 year old – $2,080 per year or $173 per month
• 40 year old – $1,950 per year or $163 per month
• 50 year old – $1,728 per year or $144 per month
• 60 year old – $1,620 per year or $135 per month

The next chart shows average auto insurance cost in Dover, Delaware, for all 2024 models. Rates are averaged for all Dover Zip Codes and shown for both different driver ages and physical damage coverage deductibles.

Average car insurance rates in the prior chart range from $1,368 per year for a policy with high deductibles for a 60-year-old driver to $4,564 per year for a 20-year-old driver with a low deductible policy.

When the rates shown in the chart are converted to monthly figures, the average cost of car insurance per month in Dover ranges from $114 to $380.

Auto insurance rates can cost very different amounts for different drivers and can change frequently. The possibility of a wide range of rates reinforces the need for multiple car insurance quotes when looking for cheaper car insurance in Dover.

The cost of car insurance for Dover’s favorite vehicles

The rates referenced above consist of an average based on every 2024 vehicle model, which is helpful for making overall comparisons such as the average cost difference between different locations in Delaware. For more comprehensive car insurance rate comparisons, however, the data will be better if we analyze the specific model of vehicle being insured.

In the next few sections, we go into much more detail for many different specific vehicles, but for now, let’s look at just a few of the more popular vehicles to see how auto insurance prices size up in Dover.

This next list breaks down both annual and monthly average auto insurance rates for some of the more popular cars, trucks, and SUVs that you will find driving around Dover. Later on in this article, we will cover rates for a few of these models in much more detail.

Average annual and monthly car insurance cost for popular models in Dover

• Hyundai Elantra – $2,120 per year ($177 per month)
• Toyota Highlander – $1,774 per year ($148 per month)
• Toyota RAV4 – $1,798 per year ($150 per month)
• Nissan Altima – $2,112 per year ($176 per month)
• Ram Truck – $2,254 per year ($188 per month)
• Tesla Model 3 – $2,290 per year ($191 per month)
• Toyota Camry – $2,094 per year ($175 per month)
• Nissan Sentra – $1,788 per year ($149 per month)
• Honda CR-V – $1,664 per year ($139 per month)
• Subaru Forester – $1,738 per year ($145 per month)

Which cars have cheap insurance in Dover, DE?

The models with the best insurance quotes in Dover tend to be crossovers and small SUVs like the Kia Soul, Chevrolet Trailblazer, and Buick Envision. Average insurance rates for those models cost $1,586 or less per year, or $132 per month, for full coverage car insurance.

Some additional vehicles that rank well in our insurance cost comparison are the Kia Niro, Volkswagen Tiguan, Honda CR-V, and Volkswagen Taos.

Insurance rates are a little higher for those models than the crossovers and compact SUVs at the top of the list, but they still have an average cost of $1,672 or less per year, or $139 per month in Dover.

The table below details the cheapest vehicles to insure in Dover, ordered starting with the cheapest.

A list of 50 vehicle models with cheap Dover car insurance is not really the best way to show a comprehesive view of Dover car insurance cost. A better way to group and rank car insurance rates in a practical manner is to sort them by their automotive segment.

The next section discusses the cost of insurance based on different automotive segments. The rates shown in the chart should give you a better understanding of the automotive segments that have the most affordable car insurance rates in Dover. The sections following the chart break out the models with the most affordable car insurance in the most popular automotive segments.

Dover car insurance rates by vehicle segment

If you are considering buying a new vehicle, it’s a good idea to know which styles of vehicles are less expensive to insure.

For example, you may be curious if minivans cost less to insure than SUVs or if full-size pickups have cheaper insurance than midsize pickups.

The next chart displays the average auto insurance cost in Dover for each automotive segment. From an overal segment perspective, small SUVs and midsize pickups have the cheapest average car insurance rates, while sports cars and performance luxury models have the most expensive overall rates.

Average rates by automotive segment are close enough for getting a ballpark comparison, but rates vary quite significantly within each segment displayed in the previous chart.

For example, in the small luxury car segment, average Dover car insurance rates range from the Acura Integra at $1,734 per year for full coverage insurance up to the BMW M340i at $2,382 per year, a difference of $648 within that segment. For another example, in the sports car segment, rates range from the Mazda MX-5 Miata at $1,804 per year to the Mercedes-Benz SL 63 costing $4,008 per year.

In these next sections, we will remove much of this variability by analyzing the cost of auto insurance in Dover for specific vehicles rather than by segments.

Cheapest cars to insure in Dover, Delaware

The Toyota GR Corolla takes the #1 ranking as the most budget-friendly car (excluding luxury models) to insure in Dover, followed closely by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model costs an average of $1,694 per year to insure for full coverage.

Additional cars that have cheaper rates are the Hyundai Ioniq 6, Kia K5, Toyota Prius, and Chevrolet Malibu, with an average cost to insure of $1,892 per year or less.

Car insurance in Dover for this segment for a middle-age safe driver can cost as low as $141 per month, depending on the company and your location.

The most affordable compact car to insure in Dover is the Toyota GR Corolla at $1,694 per year. For midsize 2024 models, the Hyundai Ioniq 6 is cheapest to insure at $1,790 per year. And for large cars, the Chrysler 300 is most affordable to insure at $1,852 per year.

The comparison table below ranks the cars with the lowest-cost average car insurance rates in Dover.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see rates for your vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Dover car insurance quotes from the best companies in Delaware.

Cheapest SUV insurance rates in Dover

The lowest-cost SUVs to insure in Dover are the Subaru Crosstrek at $1,438 per year, the Chevrolet Trailblazer at $1,466 per year, and the Kia Soul at $1,522 per year.

Not the cheapest in the list, but still ranking well, are SUVs like the Toyota Corolla Cross, Mazda CX-5, Buick Envision, and Ford Bronco Sport, with average cost of $1,596 per year or less.

On a monthly basis, car insurance in Dover on this segment for a middle-age safe driver will start around $120 per month, depending on your location. The next table ranks the twenty SUVs with the most affordable average insurance rates in Dover, starting with the Subaru Crosstrek at $120 per month and ending with the Honda HR-V at $142 per month.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see rates for your SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Dover car insurance quotes from the best car insurance companies in Delaware.

Cheapest sports car insurance rates in Dover

The most affordable sports cars to insure in Dover are the Mazda MX-5 Miata at $1,804 per year, the Toyota GR86 at $2,054 per year, and the Ford Mustang at $2,144 per year.

Other models that have cheaper rates include the Toyota GR Supra, Lexus RC F, Subaru BRZ, and Nissan Z, with an average car insurance cost of $2,334 per year or less.

Additional vehicles on the list include the Porsche Taycan, Chevrolet Corvette, Jaguar F-Type, and Lexus LC 500, which cost between $2,334 and $3,304 per year to insure in Dover.

Full-coverage car insurance in Dover for this segment starts at an average of $150 per month, depending on where you live. The next table ranks the twenty sports cars with the most affordable car insurance rates in Dover, starting with the Mazda MX-5 Miata at $150 per month and ending with the Porsche Taycan at $275 per month.

Don’t see rates for your sports car? Not a problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Delaware.

Cheapest pickup insurance rates in Dover

The four top-ranked pickups with the lowest-cost auto insurance in Dover are the Chevrolet Colorado at $1,668 per year, Nissan Titan at $1,824 per year, Nissan Frontier at $1,844 per year, and Ford Ranger at $1,862 per year.

Rounding out the top 10 are models like the Hyundai Santa Cruz, Toyota Tacoma, GMC Canyon, and GMC Sierra 2500 HD, with an average cost of $2,004 per year or less.

Full-coverage insurance for this segment in Dover for the average driver starts at around $139 per month, depending on your company and location. The rate comparison table below ranks the twenty pickups with the lowest-cost average insurance rates in Dover.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for rates for a different pickup? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Delaware.

Cheapest luxury car insurance rates in Dover, Delaware

Ranking at the top of the list for the lowest-cost Dover auto insurance rates in the luxury car segment are the Lexus IS 300, Mercedes-Benz CLA250, Acura TLX, BMW 330i, and Acura Integra. Auto insurance prices for these 2024 models average $2,018 or less per year, or around $168 per month.

Not the cheapest to insure, but still ranked well, are luxury cars like the Lexus ES 350, Genesis G70, Cadillac CT4, and Mercedes-Benz AMG CLA35, with average cost of $2,050 per year or less.

Ranked in the lower half of the top 20, cars like the BMW 228i, Jaguar XF, Audi S3, BMW 230i, Lexus RC 350, and Lexus IS 350 average between $2,050 and $2,186 per year for auto insurance.

On a monthly basis, car insurance rates in Dover on this segment for a safe driver starts at an average of $145 per month, depending on your company and location.

The lowest-cost compact luxury car to insure in Dover is the Acura Integra at $1,734 per year. For midsize luxury models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,006 per year. And for full-size models, the Audi A5 has the most affordable rates at $2,308 per year.

The next table ranks the twenty luxury cars with the cheapest average insurance rates in Dover, starting with the Acura Integra at $1,734 per year and ending with the Audi S3 at $2,186 per year.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Delaware.

Cheapest luxury SUV insurance rates in Dover, Delaware

The top five models for the most affordable Dover auto insurance rates in the luxury SUV segment are the Lexus NX 250, Cadillac XT4, Acura RDX, Jaguar E-Pace, and Cadillac XT5. Car insurance prices for these 2024 models average $1,840 or less per year, or around $153 per month.

Not the cheapest luxury SUVs to insure, but still affordable, are models like the Lincoln Corsair, Mercedes-Benz GLB 250, Lexus UX 250h, and Lexus NX 450h, with an average car insurance cost of $1,878 per year or less.

Full-coverage car insurance in this segment for a good driver starts at an average of $136 per month, depending on your location.

If ranked by vehicle size, the cheapest compact luxury SUV to insure in Dover is the Acura RDX at $1,630 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $1,822 per year. And for large luxury SUV models, the Infiniti QX80 is most affordable to insure at $2,186 per year.

The next table ranks the twenty SUVs with the most affordable average auto insurance rates in Dover, starting with the Acura RDX at $136 per month and ending with the Lexus NX 350 at $163 per month.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see rates for your luxury SUV? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Delaware.

How to find cheaper auto insurance in Dover

Resourceful drivers are often looking to cut the monthly cost of insurance, so browse the savings tips in the list below and maybe you’ll find a way to save a little dough on your next car insurance policy.

• Better credit scores yield better car insurance rates. Maintaining a high credit score could save a minimum of $306 per year over a slightly lower credit score between 670-739. Conversely, a lower credit score could cost up to $355 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Save by raising your deductibles. Increasing your policy deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• No accidents means better Dover car insurance rates. Causing frequent accidents will increase insurance cost, potentially as much as $2,786 per year for a 20-year-old driver and even $590 per year for a 50-year-old driver. So be safe and save.
• Compare the cost of insurance before buying a car. Different cars, and even different trim levels of the same car, have very different car insurance rates, and car insurance companies can charge a wide range of prices. Get plenty of quotes to compare the cost of insurance before you buy a new car to prevent price shock when you see your first bill.
• Lots of policy discounts equals cheaper car insurance. Discounted rates may be available if the insureds are military or federal employees, are homeowners, work in certain occupations, belong to certain professional organizations, or many other policy discounts which could save the average Dover driver as much as $330 per year.