Dover, NH Car Insurance Cost – Averages (2024) + Cheapest Quotes

• Average car insurance cost in Dover is $1,340 per year, or approximately $112 per month, for a full-coverage policy.
• Dover auto insurance costs $10 per year more than the New Hampshire state average ($1,330) and $543 per year less than the United States national average ($1,883).
• Car insurance rates for a few popular vehicles in Dover include the Honda Accord at $108 per month, Toyota Camry at $120, and Subaru Outback at $95.
• 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, Hyundai Ioniq 6, 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 $1,340 per year, or about $112 per month. That’s 33.7% cheaper than the overall U.S. average rate of $1,883 per year.

In the state of New Hampshire, average auto insurance cost is $1,330 per year, so the average cost in Dover is $10 more per year. When compared to other cities in New Hampshire, the cost to insure a vehicle in Dover is about $78 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 – $4,774 per year or $398 per month
• 17-year-old driver – $4,626 per year or $386 per month
• 18-year-old driver – $4,144 per year or $345 per month
• 19-year-old driver – $3,775 per year or $315 per month
• 20-year-old driver – $2,698 per year or $225 per month
• 30-year-old driver – $1,430 per year or $119 per month
• 40-year-old driver – $1,340 per year or $112 per month
• 50-year-old driver – $1,188 per year or $99 per month
• 60-year-old driver – $1,114 per year or $93 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 the prior chart range from $1,114 per year for a 40-year-old driver who meets the requirements for many policy discounts to $3,082 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 $93 to $257.

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.

Specific vehicles and the cost of 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.

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 $362 more per year for a policy with $250 deductibles versus $1,000 deductibles.
• Dover, NH, car insurance costs less than the U.S. average – $1,340 (Dover average) versus $1,883 (U.S. average)
• Auto insurance rates drop considerably between ages 20 and 30 – The average 30-year-old Dover driver will pay $1,268 less each year than a 20-year-old driver, $1,430 compared to $2,698.
• Car insurance costs less as you get older – Average auto insurance rates for a 60-year-old driver in Dover are $1,584 per year cheaper than for a 20-year-old driver.
• Car insurance for teens is not cheap – Average rates range from $3,193 to $4,774 per year to insure a teen driver in Dover, New Hampshire.
• Dover car insurance rates are more expensive than the New Hampshire state average – $1,340 (Dover average) versus $1,330 (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 $1,088 or less per year ($91 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, Volkswagen Taos, 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 $96 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.

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.

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 $1,194 per year up to the BMW M340i at $1,636 per year.

For another example, in the large truck segment, insurance rates range from the Nissan Titan costing $1,252 per year up to the Toyota Tundra at $1,596 per year, a difference of $344 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 $1,166 per year, the Nissan Leaf at $1,174 per year, and the Honda Civic at $1,186 per year.

Not the cheapest cars to insure, but still very reasonable, are cars like the Kia K5, Hyundai Ioniq 6, Honda Accord, and Toyota Prius, with an average cost to insure of $1,300 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 $97 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 $1,166 per year. For midsize models, the Hyundai Ioniq 6 has the best rates at $1,232 per year. And for full-size sedans, the Chrysler 300 has the most affordable rates at $1,272 per year.

The next table ranks the twenty cars with the cheapest insurance rates in Dover, starting with the Toyota GR Corolla at $97 per month and ending with the Mazda 3 at $116 per month.

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 $1,068 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 $1,098 per year or less.

Car insurance in this segment for a good driver starts at an average of $83 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 $83 per month and ending with the Honda HR-V at $97 per month.

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 $1,194 per year, BMW 330i at $1,364 per year, Mercedes-Benz CLA250 at $1,380 per year, and Lexus IS 300 at $1,382 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 $1,410 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 $1,410 and $1,504 per year for auto insurance in Dover.

Auto insurance in this segment for a safe driver can cost as low as $100 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 $1,194 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $1,380 per year. And for large luxury car models, the Audi A5 is most affordable to insure at $1,588 per year.

The next table ranks the twenty luxury cars with the cheapest insurance rates in Dover, starting with the Acura Integra at $1,194 per year and ending with the Audi S3 at $1,504 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 $1,122 per year, the Lexus NX 250 at $1,188 per year, and the Cadillac XT4 at $1,210 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 $1,292 per year or less.

Ranked between 10th and 20th place, models like the Lexus RX 350, Mercedes-Benz GLA250, Infiniti QX60, Land Rover Evoque, Cadillac XT6, and Mercedes-Benz AMG GLB35 average between $1,292 and $1,344 to insure per year.

Auto insurance rates in this segment for the average driver starts at around $94 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 $1,122 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $1,254 per year. And for large luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $1,504 per year.

The next table ranks the SUVs with the cheapest insurance in Dover, starting with the Acura RDX at $94 per month and ending with the Lexus NX 350 at $112 per month.

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 $1,240 per year. Second place is the Toyota GR86 costing $1,414 per year, and in third place is the Ford Mustang, costing an average of $1,474 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 $1,602 per year or less.

From a cost per month standpoint, full-coverage auto insurance in Dover on this segment can cost as low as $103 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 $103 per month and ending with the Porsche Taycan at $189 per month.

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 $1,146 per year. Second place is the Nissan Titan at $1,252 per year, coming in third is the Nissan Frontier, costing an average of $1,266 per year, and ranking fourth is the Ford Ranger, at an average of $1,282 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 $1,380 per year or less.

On a monthly basis, auto insurance rates in this segment starts at around $96 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 $96 per month and ending with the Ram Truck at $129 per month.

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 $1,550 per year, or around $129 per month, and ranges from $1,284 to $3,570 per year.

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 $1,204 per year ($100 per month) and varies from $1,000 to $2,756.

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 $1,272 per year ($106 per month) and has a range of $1,054 to $2,920 annually.

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 $300 per year for a 40-year-old driver and $588 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 $40 and $130 on your auto insurance bill, depending on your age.