Dover, NH Car Insurance Cost – Averages (2025) + Cheapest Quotes

We compare the cost to insure nearly 200 vehicles to find the models with cheapest car insurance quotes in Dover, New Hampshire.

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  • Average car insurance cost in Dover is $1,906 per year, or approximately $159 per month, for a full-coverage policy.
  • Dover auto insurance costs $8 per year more than the New Hampshire state average ($1,898) and $315 per year less than the United States national average ($2,221).
  • Car insurance rates for a few popular vehicles in Dover include the Honda Accord at $153 per month, Toyota Camry at $171, and Subaru Outback at $135.
  • Vehicles like the Ford Bronco Sport, Hyundai Venue, and Nissan Kicks have the best chance of getting cheap car insurance in Dover.
  • Vehicles with segment-leading car insurance rates include the Chevrolet Tahoe, Kia K5, Chevrolet Colorado, and Acura RDX.
  • Auto insurance quotes in Dover can vary from as low as $33 per month for a liability-only policy to over $721 per month for drivers requiring high-risk coverage.

How much does car insurance cost in Dover, NH?

Average car insurance rates in Dover, New Hampshire, cost $1,906 per year, or about $159 per month. That’s 15.3% cheaper than the overall U.S. average rate of $2,221 per year.

In the state of New Hampshire, average auto insurance cost is $1,898 per year, so the average cost in Dover is $8 more per year. When compared to other cities in New Hampshire, the cost to insure a vehicle in Dover is about $80 per year more than in Concord, $140 per year less than in Manchester, and $48 per year more expensive than in Rochester.

Driver age has the single biggest impact on the cost of auto insurance, so the list below details how driver age influences cost by showing the difference in average car insurance rates for young, middle-age, and senior drivers.

Average car insurance cost for Dover drivers age 16 to 60

  • 16-year-old driver – $6,793 per year or $566 per month
  • 17-year-old driver – $6,580 per year or $548 per month
  • 18-year-old driver – $5,898 per year or $492 per month
  • 19-year-old driver – $5,371 per year or $448 per month
  • 20-year-old driver – $3,836 per year or $320 per month
  • 30-year-old driver – $2,038 per year or $170 per month
  • 40-year-old driver – $1,906 per year or $159 per month
  • 50-year-old driver – $1,690 per year or $141 per month
  • 60-year-old driver – $1,580 per year or $132 per month

The chart below summarizes average auto insurance cost in Dover, NH, broken out based on different driver ages, policy deductibles, and potential risk scenarios. Rates are averaged for all 2024 vehicle models including luxury models.

Average car insurance rates in Dover for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Dover for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Dover includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Dover, NH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,386$366
Safe Driver Age 20$3,836$320
At-fault Accidents Age 40$2,700$225
Low Deductibles Age 40$2,494$208
Safe Driver Age 30$2,038$170
Safe Driver Age 40$1,906$159
Safe Driver Age 50$1,690$141
High Deductibles Age 40$1,602$134
Discount Rate Age 40$1,586$132
Safe Driver Age 60$1,580$132

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

Average car insurance rates in the prior chart range from $1,586 per year for a 40-year-old driver who meets the requirements for many policy discounts to $4,386 per year for a 30-year-old driver with too many driving violations or at-fault accidents.

For monthly budgeting purposes, the average cost of car insurance per month in Dover ranges from $132 to $366.

Dover car insurance rates have extreme variability and can change frequently. The potential for large variability emphasizes the need for accurate free auto insurance quotes when trying to find more affordable car insurance.

The previously referenced car insurance rates take all 2024 models and come up with an average cost, which is helpful for making overall comparisons like the average cost difference between different locations in New Hampshire. Average auto insurance rates are great for answering questions like “is car insurance cheaper in Dover or Nashua?” or “are New Hampshire car insurance rates cheaper than in New York?”.

For more accurate auto insurance rate comparisons, however, it makes more sense to look at the exact make and model of vehicle being insured. Every car, truck, SUV and minivan has it’s own exposure profile for liability and physical damage claims, and this data allows us to perform more detailed cost comparisons.

This next chart shows average insurance rates for some of the more popular vehicles you’ll see on the streets of Dover. Towards the end of this article, we will cover the cost of insuring some of these vehicles in more detail.

Average cost to insure popular 2024 model year vehicles in Dover.
Figure 2: Average cost to insure popular 2024 model year vehicles in Dover. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Dover Zip Codes.

Dover, New Hampshire Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$1,624$135
Subaru Forester$1,696$141
Nissan Rogue$1,714$143
Ford Explorer$1,730$144
Ford Escape$1,740$145
Toyota RAV4$1,758$147
Toyota Corolla$1,856$155
Toyota Tacoma$1,932$161
Toyota Camry$2,050$171
Chevrolet Silverado$2,110$176
Ford F150$2,134$178
Ram Truck$2,206$184
Chevrolet Corvette$2,642$220

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Dover, NH Zip Codes. Updated June 27, 2025

Popular models in Dover tend to be compact and midsize sedans like the Toyota Corolla, Honda Civic, and Kia K5 and compact and midsize SUVs like the Honda CR-V, Chevy Equinox, and Jeep Grand Cherokee.

Some additional popular vehicles from different automotive segments include luxury models like the Tesla Model S and BMW X5, pickup trucks like the Toyota Tacoma and Ford Ranger, and sports cars like the Porsche 911 and Ford Mustang.

We get into many more auto rates later on in this article, but before we do that, let’s revisit some of the general concepts we covered earlier.

  • A low deductible policy costs more – A 30-year-old driver pays an average of $514 more per year for a policy with $250 deductibles versus $1,000 deductibles.
  • Dover, NH, car insurance costs less than the U.S. average – $1,906 (Dover average) versus $2,221 (U.S. average)
  • Auto insurance rates drop considerably between ages 20 and 30 – The average 30-year-old Dover driver will pay $1,798 less each year than a 20-year-old driver, $2,038 compared to $3,836.
  • Car insurance costs less as you get older – Average auto insurance rates for a 60-year-old driver in Dover are $2,256 per year cheaper than for a 20-year-old driver.
  • Car insurance for teens is not cheap – Average rates range from $4,542 to $6,793 per year to insure a teen driver in Dover, New Hampshire.
  • Dover car insurance rates are more expensive than the New Hampshire state average – $1,906 (Dover average) versus $1,898 (New Hampshire average)

Which autos are cheapest to insure in Dover?

The models with the cheapest average insurance prices in Dover, NH, tend to be crossovers and compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Toyota Corolla Cross.

Average car insurance prices for those small SUVs cost $1,550 or less per year ($129 per month) to get full coverage.

A few other vehicles that rank in the top 20 in our car insurance cost comparison are the Acura RDX, Buick Envista, Kia Niro, and Nissan Murano.

The average insurance cost is slightly more for those models than the small SUVs and crossovers at the top of the list, but they still have an average insurance cost of $138 or less per month in Dover.

The following table details the 40 models with the cheapest car insurance in Dover, ordered starting with the cheapest.

Cheapest Auto Insurance Rates in Dover
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,410$118
2Chevrolet Trailblazer$1,432$119
3Kia Soul$1,488$124
4Nissan Kicks$1,502$125
5Honda Passport$1,518$127
6Buick Envision$1,526$127
7Toyota Corolla Cross$1,538$128
8Hyundai Venue$1,550$129
9Mazda CX-5$1,554$130
10Ford Bronco Sport$1,562$130
11Volkswagen Tiguan$1,578$132
12Acura RDX$1,594$133
13Nissan Murano$1,602$134
14Buick Encore$1,620$135
15Honda CR-V$1,624$135
16Subaru Outback$1,624$135
17Buick Envista$1,630$136
18Volkswagen Taos$1,634$136
19Kia Niro$1,640$137
20Toyota GR Corolla$1,656$138
21Honda HR-V$1,660$138
22Subaru Ascent$1,660$138
23Nissan Leaf$1,670$139
24Chevrolet Colorado$1,678$140
25Honda Civic$1,688$141
26Lexus NX 250$1,688$141
27Volkswagen Atlas$1,692$141
28Acura Integra$1,694$141
29Subaru Forester$1,696$141
30Volkswagen Atlas Cross Sport$1,698$142
31GMC Terrain$1,704$142
32Kia Seltos$1,704$142
33Nissan Rogue$1,714$143
34Hyundai Kona$1,716$143
35Cadillac XT4$1,720$143
36Mazda CX-30$1,720$143
37Volkswagen ID4$1,728$144
38Ford Explorer$1,730$144
39Toyota Highlander$1,734$145
40Ford Escape$1,740$145

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dover, NH Zip Codes. Updated June 27, 2025

Top 40 cheapest vehicles to insure in Dover, NH with the Subaru Crosstrek ranking first at $1,410 per year
Top 40 cheapest vehicles to insure in Dover, NH with the Subaru Crosstrek ranking first at $1,410 per year

The table above that contains 40 vehicle rankings doesn’t really provide the full picture of Dover insurance rates. A more useful way to examine auto insurance rates for different vehicles is by breaking them out by segment.

This next article section further discusses the average cost of car insurance by vehicle segment. The rates shown should give a decent idea of the vehicle segments that have the overall best rates. The sections after the chart break out the vehicles with the cheapest insurance rates for the primary segments.

Average auto insurance rates by vehicle segment

If you’re considering buying a different vehicle, it’s important to have a basic understanding of which categories of vehicles have cheaper car insurance rates in Dover. To illustrate this, some common questions are if midsize SUVs have cheaper insurance than full-size SUVs or if full-size SUVs have more expensive insurance than midsize or compact SUVs.

The next chart displays the average car insurance cost in Dover for each automotive segment. When comparing rates from a segment perspective, compact and midsize SUVs, vans, and midsize pickups tend to have the most affordable rates, with luxury cars and sports cars having the most expensive overall car insurance rates.

Car insurance average cost by automotive segment in Dover, NH.
Figure 3: Car insurance average cost by automotive segment in Dover, NH. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Dover Zip Codes.

Car Insurance Rates by Automotive Segment in Dover, NH
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,752$146
Midsize SUV$1,882$157
Minivan$1,886$157
Compact Car$1,886$157
Midsize Pickup$1,926$161
Midsize Car$1,946$162
Compact Luxury SUV$2,066$172
Compact Luxury Car$2,098$175
Large SUV$2,108$176
Half-ton Pickup$2,112$176
Heavy Duty Pickup$2,192$183
Midsize Luxury SUV$2,264$189
Midsize Luxury Car$2,338$195
Sports Car$2,622$219
Large Car$2,742$229
Large Luxury SUV$2,952$246
Large Luxury Car$3,048$254

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Dover, NH Zip Codes. Updated June 27, 2025

Average insurance rates by segment are accurate enough for blanket comparisons, but auto insurance cost varies significantly within each of the segments displayed in the above chart.

For example, in the small luxury car segment, Dover auto insurance rates range from the Acura Integra at $1,694 per year up to the BMW M340i at $2,330 per year.

For another example, in the large truck segment, insurance rates range from the Nissan Titan costing $1,784 per year up to the Toyota Tundra at $2,272 per year, a difference of $488 within that segment.

In the next sections of the article, we reduce this variability by analyzing the cost of car insurance in Dover on a model level.

Cheapest car insurance rates in Dover

The top three sedans and hatchbacks with the cheapest auto insurance in Dover are the Toyota GR Corolla at $1,656 per year, the Nissan Leaf at $1,670 per year, and the Honda Civic at $1,688 per year.

Not the cheapest cars to insure, but still very reasonable, are cars like the Honda Accord, Toyota Prius, Chevrolet Malibu, and Kia K5, with an average cost to insure of $1,856 per year or less.

On a monthly basis, car insurance rates in Dover on this segment for an average middle-age driver starts at an average of $138 per month, depending on where you live.

The most budget-friendly non-luxury compact car to insure in Dover is the Toyota GR Corolla at $1,656 per year. For midsize models, the Kia K5 has the best rates at $1,838 per year. And for full-size sedans, the Chrysler 300 has the most affordable rates at $1,814 per year.

The next table ranks the twenty cars with the cheapest insurance rates in Dover, starting with the Toyota GR Corolla at $138 per month and ending with the Mazda 3 at $164 per month.

Cheapest Car Insurance in Dover, New Hampshire
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,656$138
Nissan LeafCompact$1,670$139
Honda CivicCompact$1,688$141
Nissan SentraCompact$1,750$146
Subaru ImprezaCompact$1,752$146
Toyota PriusCompact$1,780$148
Kia K5Midsize$1,838$153
Honda AccordMidsize$1,840$153
Chevrolet MalibuMidsize$1,850$154
Toyota CorollaCompact$1,856$155
Kia ForteCompact$1,862$155
Volkswagen ArteonMidsize$1,874$156
Nissan VersaCompact$1,878$157
Subaru LegacyMidsize$1,882$157
Hyundai Ioniq 6Midsize$1,896$158
Mitsubishi Mirage G4Compact$1,924$160
Toyota CrownMidsize$1,930$161
Volkswagen JettaCompact$1,930$161
Hyundai SonataMidsize$1,934$161
Mazda 3Compact$1,972$164

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dover, NH Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Dover, NH, with the Toyota GR Corolla ranking first at $1,656 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Dover, NH, with the Toyota GR Corolla ranking first at $1,656 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Dover car insurance quotes from the best auto insurance companies in New Hampshire.

Cheapest SUV insurance rates in Dover, NH

Ranking at the top of the list for the lowest-cost Dover car insurance rates in the SUV segment (excluding luxury models) are the Nissan Kicks, Subaru Crosstrek, Chevrolet Trailblazer, Honda Passport, and Kia Soul. Auto insurance quotes for these models average $1,518 or less per year.

Other SUVs that have affordable insurance rates are the Mazda CX-5, Hyundai Venue, Buick Envision, and Toyota Corolla Cross, with average cost of $1,562 per year or less.

Car insurance in this segment for a good driver starts at an average of $118 per month, depending on where you live and the company you use. The table below ranks the SUVs with the cheapest insurance in Dover, starting with the Subaru Crosstrek at $118 per month and ending with the Subaru Ascent at $138 per month.

Cheapest SUV Insurance in Dover, New Hampshire
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,410$118
Chevrolet TrailblazerCompact$1,432$119
Kia SoulCompact$1,488$124
Nissan KicksCompact$1,502$125
Honda PassportMidsize$1,518$127
Buick EnvisionCompact$1,526$127
Toyota Corolla CrossCompact$1,538$128
Hyundai VenueCompact$1,550$129
Mazda CX-5Compact$1,554$130
Ford Bronco SportCompact$1,562$130
Volkswagen TiguanCompact$1,578$132
Nissan MuranoMidsize$1,602$134
Buick EncoreCompact$1,620$135
Honda CR-VCompact$1,624$135
Subaru OutbackMidsize$1,624$135
Buick EnvistaMidsize$1,630$136
Volkswagen TaosCompact$1,634$136
Kia NiroCompact$1,640$137
Honda HR-VCompact$1,660$138
Subaru AscentMidsize$1,660$138

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dover, NH Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Dover, NH, with the Subaru Crosstrek ranking first at $1,410 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Dover, NH, with the Subaru Crosstrek ranking first at $1,410 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Looking for rates for a different SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Dover car insurance quotes from top companies in New Hampshire.

Cheapest luxury car insurance rates in Dover

The four most affordable luxury cars to insure in Dover are the Acura Integra at $1,694 per year, BMW 330i at $1,942 per year, Mercedes-Benz CLA250 at $1,962 per year, and Lexus IS 300 at $1,968 per year.

Not the cheapest, but still very affordable, are cars like the Genesis G70, Cadillac CT4, Lexus ES 350, and Lexus RC 300, with an average cost to insure of $2,004 per year or less.

In the lower half of the top 20 luxury cars to insure, models like the Lexus RC 350, BMW 230i, BMW 228i, Lexus ES 250, Lexus ES 300h, and Audi S3 cost between $2,004 and $2,138 per year for auto insurance in Dover.

Auto insurance in this segment for a safe driver can cost as low as $141 per month, depending on your location and insurance company.

If rates are ranked by vehicle size, the most budget-friendly compact luxury car to insure in Dover is the Acura Integra at $1,694 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $1,962 per year. And for large luxury car models, the Audi A5 is most affordable to insure at $2,266 per year.

The next table ranks the twenty luxury cars with the cheapest insurance rates in Dover, starting with the Acura Integra at $1,694 per year and ending with the Audi S3 at $2,138 per year.

Cheapest Luxury Car Insurance in Dover, New Hampshire
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,694$141
BMW 330iCompact$1,942$162
Mercedes-Benz CLA250Midsize$1,962$164
Lexus IS 300Midsize$1,968$164
Acura TLXCompact$1,972$164
Cadillac CT4Compact$1,990$166
Lexus ES 350Midsize$1,990$166
Genesis G70Compact$1,994$166
Mercedes-Benz AMG CLA35Midsize$2,000$167
Lexus RC 300Midsize$2,004$167
Lexus IS 350Compact$2,012$168
Jaguar XFMidsize$2,016$168
Cadillac CT5Midsize$2,054$171
Lexus ES 250Midsize$2,062$172
Lexus RC 350Compact$2,068$172
BMW 330eCompact$2,070$173
BMW 228iCompact$2,074$173
BMW 230iCompact$2,090$174
Lexus ES 300hMidsize$2,092$174
Audi S3Compact$2,138$178

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dover, NH Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Dover, NH, with the Acura Integra ranking first at $1,694 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Dover, NH, with the Acura Integra ranking first at $1,694 per year.

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

Looking for a different vehicle? That’s no problem! 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 auto insurance companies in New Hampshire.

Cheapest luxury SUV insurance rates in Dover, NH

The lowest-cost luxury SUVs to insure in Dover are the Acura RDX at $1,594 per year, the Lexus NX 250 at $1,688 per year, and the Cadillac XT4 at $1,720 per year.

Other luxury SUVs that rank well in our comparison are the Lexus UX 250h, Lexus NX 450h, Lincoln Corsair, and Lexus NX 350h, with average rates of $1,840 per year or less.

Ranked between 10th and 20th place, models like the Lexus NX 350, Mercedes-Benz GLA250, Infiniti QX60, Acura MDX, Mercedes-Benz GLA35 AMG, and Mercedes-Benz AMG GLB35 average between $1,840 and $1,914 to insure per year.

Auto insurance rates in this segment for the average driver starts at around $133 per month, depending on your location.

If ranked by vehicle size, the most budget-friendly compact luxury SUV to insure in Dover is the Acura RDX at $1,594 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $1,784 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $2,138 per year.

The next table ranks the SUVs with the cheapest insurance in Dover, starting with the Acura RDX at $133 per month and ending with the Lexus RX 350 at $160 per month.

Cheapest Luxury SUV Insurance in Dover, New Hampshire
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,594$133
Lexus NX 250Compact$1,688$141
Cadillac XT4Compact$1,720$143
Jaguar E-PaceMidsize$1,784$149
Cadillac XT5Midsize$1,798$150
Lexus NX 350hCompact$1,798$150
Lincoln CorsairCompact$1,820$152
Mercedes-Benz GLB 250Compact$1,824$152
Lexus UX 250hCompact$1,828$152
Lexus NX 450hCompact$1,840$153
Infiniti QX50Midsize$1,852$154
Mercedes-Benz GLA250Compact$1,858$155
Mercedes-Benz GLA35 AMGCompact$1,864$155
Cadillac XT6Midsize$1,866$156
Infiniti QX60Midsize$1,876$156
Mercedes-Benz AMG GLB35Midsize$1,878$157
Land Rover EvoqueCompact$1,902$159
Acura MDXMidsize$1,904$159
Lexus NX 350Compact$1,912$159
Lexus RX 350Midsize$1,914$160

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dover, NH Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Dover, NH, with the Acura RDX ranking first at $1,594 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Dover, NH, with the Acura RDX ranking first at $1,594 per year.

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

Don’t see insurance cost for your luxury SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Dover car insurance quotes from top auto insurance companies in New Hampshire.

Cheapest sports cars to insure

Taking the top spot in Dover for the most affordable average insurance rates in the sports car segment is the Mazda MX-5 Miata, with an average cost of $1,762 per year. Second place is the Toyota GR86 costing $2,008 per year, and in third place is the Ford Mustang, costing an average of $2,094 per year.

Not the cheapest, but still in the top 10, are models like the Subaru BRZ, Lexus RC F, BMW M2, and Nissan Z, with average rates of $2,278 per year or less.

From a cost per month standpoint, full-coverage auto insurance in Dover on this segment can cost as low as $147 per month, depending on your location and insurance company.

The comparison table below ranks the sports cars with the cheapest car insurance rates in Dover, starting with the Mazda MX-5 Miata at $147 per month and ending with the Porsche Taycan at $269 per month.

Cheapest Sports Car Insurance in Dover, New Hampshire
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,762$147
Toyota GR86Sports Car$2,008$167
Ford MustangSports Car$2,094$175
BMW Z4Sports Car$2,106$176
Subaru WRXSports Car$2,138$178
Toyota GR SupraSports Car$2,142$179
BMW M2Sports Car$2,204$184
Nissan ZSports Car$2,210$184
Lexus RC FSports Car$2,252$188
Subaru BRZSports Car$2,278$190
BMW M3Sports Car$2,410$201
Porsche 718Sports Car$2,456$205
Chevrolet CamaroSports Car$2,478$207
Chevrolet CorvetteSports Car$2,642$220
Porsche 911Sports Car$2,732$228
BMW M4Sports Car$2,848$237
Lexus LC 500Sports Car$2,860$238
Jaguar F-TypeSports Car$3,008$251
Mercedes-Benz AMG GT53Sports Car$3,156$263
Porsche TaycanSports Car$3,230$269

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dover, NH Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Dover, NH, with the Mazda MX-5 Miata ranking first at $1,762 per year.
Ranking of the cheapest sports cars to insure in Dover, NH, with the Mazda MX-5 Miata ranking first at $1,762 per year.

Don’t see rates for your sports car? No sweat! 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-rated auto insurance companies in New Hampshire.

Cheapest pickup truck insurance rates

Sitting at number one in Dover for the lowest-cost insurance in the pickup truck segment is the Chevrolet Colorado, with a cost of $1,678 per year. Second place is the Nissan Titan at $1,784 per year, coming in third is the Nissan Frontier, costing an average of $1,802 per year, and ranking fourth is the Ford Ranger, at an average of $1,824 per year.

Some other pickups that have cheaper rates are the GMC Sierra 2500 HD, Hyundai Santa Cruz, GMC Canyon, and Toyota Tacoma, with an average car insurance cost of $1,962 per year or less.

On a monthly basis, auto insurance rates in this segment starts at around $140 per month, depending on the company and your location. The comparison table below ranks the twenty pickups with the cheapest average insurance rates in Dover, starting with the Chevrolet Colorado at $140 per month and ending with the Ram Truck at $184 per month.

Cheapest Pickup Insurance in Dover, New Hampshire
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,678$140
Nissan TitanFull-size$1,784$149
Nissan FrontierMidsize$1,802$150
Ford RangerMidsize$1,824$152
Ford MaverickMidsize$1,852$154
Honda RidgelineMidsize$1,892$158
Hyundai Santa CruzMidsize$1,924$160
Toyota TacomaMidsize$1,932$161
GMC Sierra 2500 HDHeavy Duty$1,940$162
GMC CanyonMidsize$1,962$164
Jeep GladiatorMidsize$2,012$168
GMC Sierra 3500Heavy Duty$2,020$168
Chevrolet Silverado HD 3500Heavy Duty$2,040$170
Chevrolet Silverado HD 2500Heavy Duty$2,094$175
GMC SierraFull-size$2,106$176
Chevrolet SilveradoFull-size$2,110$176
Nissan Titan XDHeavy Duty$2,110$176
Ford F150Full-size$2,134$178
GMC Hummer EV PickupFull-size$2,188$182
Ram TruckFull-size$2,206$184

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dover, NH Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Dover, NH, with the Chevrolet Colorado ranking first at $1,678 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Dover, NH, with the Chevrolet Colorado ranking first at $1,678 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Is your pickup truck not in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in New Hampshire.

Examples of car insurance rate variation

To supplement the earlier data and reinforce how much auto insurance premiums can vary for different drivers, the examples below show comprehensive car insurance rates for three popular models in Dover: the Ram Truck, Nissan Rogue, and Kia Sorento.

Each chart uses different risk profiles to illustrate the possible cost variation based on changes in the type of driver rated on the policy.

Ram Truck insurance rates

Ram Truck insurance in Dover averages $2,206 per year, or around $184 per month, and ranges from $1,826 to $5,078 per year.

Average 2024 Ram Truck insurance premiums in Dover for different driver ages and risk scenarios.
Figure 4: Average 2024 Ram Truck insurance premiums in Dover for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ram Truck with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ram Truck car insurance cost in Dover includes all Zip Codes and vehicle trim levels.

2024 Ram Truck Insurance Cost in Dover, NH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,078$423
Safe Driver Age 20$4,446$371
At-fault Accidents Age 40$3,126$261
Low Deductibles Age 40$2,884$240
Safe Driver Age 30$2,352$196
Safe Driver Age 40$2,206$184
Safe Driver Age 50$1,954$163
High Deductibles Age 40$1,856$155
Safe Driver Age 60$1,828$152
Discount Rate Age 40$1,826$152

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ram Truck trim levels. Updated June 26, 2025

The Ram Truck belongs to the full-size truck segment, and other models in the same segment include the Nissan Titan, Toyota Tundra, and Chevrolet Silverado.

Nissan Rogue insurance rates

Nissan Rogue insurance in Dover averages $1,714 per year ($143 per month) and varies from $1,424 to $3,916.

Average 2024 Nissan Rogue insurance premiums in Dover for different driver ages and risk scenarios.
Figure 5: Average 2024 Nissan Rogue insurance premiums in Dover for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Dover includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Dover, NH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,916$326
Safe Driver Age 20$3,416$285
At-fault Accidents Age 40$2,424$202
Low Deductibles Age 40$2,204$184
Safe Driver Age 30$1,824$152
Safe Driver Age 40$1,714$143
Safe Driver Age 50$1,526$127
High Deductibles Age 40$1,458$122
Safe Driver Age 60$1,426$119
Discount Rate Age 40$1,424$119

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 26, 2025

The Nissan Rogue is considered a compact SUV, and other similar models that are popular in Dover, NH, include the Subaru Forester, Honda CR-V, Mazda CX-5, and Chevrolet Equinox.

Kia Sorento insurance rates

Car insurance for a Kia Sorento in Dover averages $1,810 per year ($151 per month) and has a range of $1,506 to $4,158 annually.

Average 2024 Kia Sorento insurance premiums in Dover for different driver ages and risk scenarios.
Figure 6: Average 2024 Kia Sorento insurance premiums in Dover for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Dover includes all Zip Codes and vehicle trim levels.

2024 Kia Sorento Insurance Cost in Dover, NH
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,158$347
Safe Driver Age 20$3,642$304
At-fault Accidents Age 40$2,556$213
Low Deductibles Age 40$2,386$199
Safe Driver Age 30$1,934$161
Safe Driver Age 40$1,810$151
Safe Driver Age 50$1,600$133
High Deductibles Age 40$1,512$126
Discount Rate Age 40$1,506$126
Safe Driver Age 60$1,502$125

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 27, 2025

The Kia Sorento is part of the midsize SUV segment, and other popular same-segment models include the Honda Pilot, Ford Edge, and Toyota Highlander.

Best practices for saving money on car insurance

Resourceful drivers in Dover are always looking to reduce the monthly expense for auto insurance, so study the money-saving ideas in the list below and it’s very possible you can save some money on your next policy.

  • Don’t file small claims. Most auto insurance companies offer discounts if you do not file any claims. Car insurance should be used to protect you from significant claims, not nickel-and-dime type claims.
  • Compare insurance cost before you buy the car. Different cars can have significantly different car insurance premiums, and companies can sell coverages with a wide range of costs. Get plenty of quotes to compare the cost of insurance before you buy a new car to prevent any surprises when you get your insurance bill.
  • Increase physical damage deductibles to save money. Increasing deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • If your car is older, remove unneeded coverages. Removing physical damage coverage from older vehicles that are not worth a lot can reduce the cost of car insurance considerably.
  • Get better rates due to your choice of occupation. The large majority of auto insurance providers offer discounts for specific occupations like doctors, lawyers, police officers and law enforcement, engineers, emergency medical technicians, nurses, and others. Obtaining this discount could potentially save between $57 and $186 on your auto insurance bill, depending on your age.