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Jerry Data & Research
Cheap Car Insurance in Dover (Jan 2025)
Cheap Car Insurance in Dover (Jan 2025)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in New Hampshire.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
Learn more about our insurance review board
What's on this page?
- How to find the cheapest car insurance quotes in Dover
- Best car insurance companies in Dover
- Best cheap car insurance quotes in Dover
- Average cost of car insurance in Dover
- Car insurance quotes in Dover by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in Dover?
- Cheap car insurance quotes in Dover after driving violations
- Cheap car insurance quotes in Dover by age
- Cheap car insurance quotes in Dover based on insurance history
- Cheap car insurance quotes in Dover for popular cars
- How to lower car insurance costs in Dover
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Dover
On average,
auto insurance
in Dover costs about $86 per month for minimum coverage liability insurance, and about $163 per month for full coverage insurance. Dover drivers pay 13% less than the New Hampshire
average. Savvy Dover drivers can quickly navigate their insurance options using our user-friendly comparison app. With Jerry’s support, you can quickly and easily
review
and analyze multiple quotes before selecting the policy that provides great coverage within your budget.Below are some cheapest car insurance quotes Jerry found for our Dover customers.
| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $199 | Alan, 31 Zip: 03820 | Ford Fusion SE Hybrid | • State Minimum Liability • Comp / Collision |
Travelers | $92 | Jose, 31 Zip: 03820 | Honda Accord LX | • 100,000/300,000 Liability • Comp / Collision |
Metlife | $108 | Melvin, 40 Zip: 03820 | KIA Niro FE | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 28, 2025Best car insurance companies in Dover
Jerry wants to empower Dover drivers to make informed decisions throughout the auto insurance shopping process, which is why we conducted an extensive insurance shopping survey—the largest of its kind in the entire nation.
The results? There’s no single “best” or “cheapest” car insurance company for every Dover driver. Instead, individual insurance rates depend on a variety of factors—and the best company for you is incredibly individualized.
For example, while many Dover drivers praise
The General
for their great low rates, others are dissatisfied with the company’s coverage options. Generally, you can expect The General, National General,
Farmers
, State Farm
, Nationwide
, and Allstate
to offer some of the lowest rates on car insurance in Dover.| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Progressive | 4.3 | 4 | N/A | 4.7 |
Best cheap car insurance quotes in Dover
Unlike most U.S. states, drivers in New Hampshire are not required to carry a specific amount of
liability coverage
unless they’ve been convicted of certain driving offenses. But that doesn’t mean you don’t need it!Instead of car insurance, Dover drivers must provide proof of their ability to take financial responsibility for damages if they cause an accident.
Since the cost associated with an at-fault accident can quickly skyrocket, many Dover drivers choose not only to carry minimum liability coverage, but also additional optional coverage—like full-coverage car insurance.
Cheap minimum liability insurance quotes in Dover
New Hampshire insurance laws
require Dover drivers convicted of the following violations to carry minimum liability coverage:- DUI (drugs or alcohol)
- Intentionally killing or hurting someone with your car
- Second speeding ticket
- Second warning or ticket for another traffic violation
If you’ve been convicted of one of the above offenses or you choose to use liability coverage as proof of financial responsibility, the minimum car insurance requirements in the Granite State include $25,000 in
bodily injury coverage
per person, $50,000 in bodily injury coverage for an accident involving multiple people, and $25,000 in property damage coverage
. This is often referred to as the 25/50/25 rule. Jerry has helped Dover drivers secure affordable minimum liability plans.
Alan (31 years old)
$199
per month
Do you need more than minimum coverage in Dover?
Legally speaking, no—but it’s very likely a good idea for Dover drivers to invest in liability insurance that offers more coverage than what’s minimally required by law or to prove financial responsibility.
If you are in an at-fault accident, you could wind up paying out of pocket for medical bills and vehicle repairs that cost far more than the 25/50/25 coverage limits—particularly if the car is totaled or the motorist is seriously harmed. Investing in additional coverage offers better protection.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose to forego full coverage.
Cheap full coverage car insurance quotes in Dover
Liability insurance covers damage to other vehicles and motorists in an at-fault accident—but what if your vehicle needs repairs? That’s where full coverage car insurance—an optional but important add-on—comes in.
- Collision coverage will pay to repair or replace your vehicle if it’s been damaged in an accident
- Comprehensive coverage offers coverage for damages caused by non-collision events, like vandalism, environmental factors, and even theft
Keep in mind that Dover auto loan providers will require you to
purchase full coverage
before funding your vehicle sale and maintain it until your loan is paid off.| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $199 | Alan, 31 Zip: 03820 | Ford Fusion SE Hybrid |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $92 | Jose, 31 Zip: 03820 | Honda Accord LX |
• 100,000/300,000 Liability • Comp / Collision | Metlife | $108 | Melvin, 40 Zip: 03820 | KIA Niro FE |
Last Updated Jan 28, 2025The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Average cost of car insurance in Dover
After analyzing scores of insurance providers in Dover, we have discovered that the average price for minimum liability coverage amounts to be $86 per month or $1,032 per year. Additionally, residents of Dover can expect to pay an average of $163 per month or $1,956 per year for full coverage insurance.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $76 | $915 |
Full coverage | $91 | $1,095 |
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
Average cost of car insurance in Dover by zip code
The cost of car insurance in Dover can greatly differ depending on your specific zip code. Each individual zip code within Dover has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
[AverageInsuranceTable]: insurance data empty
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in Dover by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How Do Different Factors Impact Your Car Insurance Costs in Dover?
How Do Different Factors Impact Your Car Insurance Costs in Dover?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): New Hampshire does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Dover:
Cheap car insurance quotes in Dover after driving violations
Your rates will likely go up after a driving violation—especially if they become habitual—because you’ll be considered a
high-risk driver
in Dover.Cheapest car insurance in Dover after speeding ticket
Often, the severity of your
speeding ticket
matters a lot when it comes to calculating your insurance rates in Dover. Most states break speeding violations down into various levels based on how far over the limit you were traveling, such as: - 1-5 MPH over
- 6-10 MPH over
- 11-15 MPH over
- 16-20 MPH over
- 21 MPH or more over
Getting a more severe speeding ticket in Dover will likely result in a significant insurance premium increase—but even minor moving violations can cause your rates to go up.
Regardless of the violation, Jerry helps Dover drivers find affordable rates with great insurance companies.
Last Updated Jan 29, 2025 Cheapest car insurance in Dover after DUI
New Hampshire takes
DUI violations
very seriously, and they generally lead to a substantial increase in car insurance rates. Your insurance company may drop your policy altogether if you get a DUI in Dover.Jerry has helped Dover drivers obtain affordable auto insurance rates after a DUI.
Ellen (42 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Dover, NH (Zip Code: 03822)
$64
per month
Cheapest car insurance in Dover after an at-fault accident
Accidents happen—but if you were at fault, then your insurance provider was forced to financially cover the costs related to damages and injuries. That’s why your claims history significantly affects your future car insurance rates.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $199 | Charlotte, 31 Zip: 03820 | Ford Fusion SE Hybrid | • State Minimum Liability • Comp / Collision |
Not At Fault | Progressive | $107 | Miguel, 30 Zip: 03820 | Honda HR-V EXL | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $98 | Olga, 31 Zip: 03820 | Honda Accord LX | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 29, 2025Cheapest car insurance in Dover after other driving violations
Additional violations that can lead to higher car insurance rates in Dover include driving with a suspended license,
reckless driving
, and violating the open container laws. Below is a list of common driving violations in Dover—plus how we helped these drivers save money on car insurance afterward.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $112 | Leah, 40 Zip: 03820 | KIA Niro FE | • 100,000/300,000 Liability • Comp / Collision |
Failure to Obey Signal | Progressive | $112 | Joe, 40 Zip: 03820 | KIA Niro FE | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 23, 2025Cheap car insurance quotes in Dover by age
In Dover, young drivers and those with a
provisional driver’s license
are relatively inexperienced, which explains why they tend to get charged higher rates than older adults. In general, you won’t see your rates decrease significantly until you turn 25. After the age of 75, your rates will begin to increase again.Cheapest car insurance in Dover for young drivers
Teenaged drivers aged 16-19 in Dover typically pay the highest insurance rates compared to any other age group.
If you’re a teen driver in Dover who owns a newer vehicle, we recommend opting for full coverage car insurance. Though it costs more, teens are at an increased likelihood of being involved in major accidents, and full coverage car insurance will provide you with
the protection you need
. 
Landon (23 years old)
$69
per month
Cheapest car insurance in Dover for senior drivers
Though adults in Dover pay less than teens do for auto coverage, seniors 75+ tend to see their rates start to rise again. This is because
older drivers
have a proven heightened susceptibility to accidents and are more likely to sustain severe injuries in the event of a collision. Luke (72 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Dover, NH (Zip Code: 03820)
Honda CR-V EX$71
per month
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Aaron
They were affordable and great very personable and reasonable
Audrey
Cheap car insurance quotes in Dover based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Don (31 years old)
$199
per month
Safeco
Nora (31 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Dover, NH (Zip Code: 03820)
$98
per month
Travelers
Gene (31 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Dover, NH (Zip Code: 03820)
$92
per month
Flora (31 years old)
$199
per month
Cheap car insurance quotes in Dover for drivers with poor credit
While having
a low credit score
doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $93 | Jayden, 41 Zip: 03820 | Subaru Outback Limited | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Progressive | $199 | Charlotte, 31 Zip: 03820 | Ford Fusion SE Hybrid | • State Minimum Liability • Comp / Collision |
660 - 750 | Metlife | $108 | Theresa, 40 Zip: 03820 | KIA Niro FE | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | Progressive | $107 | Lelia, 30 Zip: 03820 | Honda HR-V EXL | • 50,000/100,000 Liability • Comp / Collision |
< 550 | Progressive | $129 | Mitchell, 35 Zip: 03820 | Nissan Pathfinder S | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 28, 2025Cheap car insurance quotes in Dover for popular cars
As we’ve mentioned, your choice of vehicle will impact your car insurance rates in Dover. Luxury and sports cars cost far more than affordable economy vehicles.
Popular makes and models for Dover drivers include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Ford Fusion SE Hybrid | Progressive | $199 | Don, 31 Zip: 03820 | • State Minimum Liability • Comp / Collision |
Last Updated Jan 29, 2025Cheapest car insurance in Dover for new vs. old car
Your vehicle’s make and model aren’t the only things that matter—its age does, too. The cost of insuring a newer car in Dover is generally more expensive than that of an older car.
According to data, the average annual cost of full coverage insurance for a car that is 10+ years old in Dover is an estimated 22% less than the cost of insuring a vehicle that is 4 years old or newer.
Alan (31 years old)
$199
per month
Travelers
Jose (31 years old)
2001 Honda Accord LX
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Dover, NH (Zip Code: 03820)
$92
per month
Bristol West
Dale (25 years old)
$350
per month
How to lower car insurance costs in Dover
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Dover?
People living in Dover pay on average $86 per month – or $1,032 per year – on state-minimum liability coverage. Full coverage in Dover costs on average $163 per month of $1,956 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Dover?
Based on thousands of Dover drivers Jerry has worked with, car insurance in Dover costs an average of $86 per month for state-minimum coverage and $163 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Dover?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Safeco
, AAA, and Progressive
receive good ratings from Dover drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What are the minimum car insurance requirements in Dover, New Hampshire?
The state-minimum car insurance in Dover, New Hampshire is as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These coverages are commonly referred to as 25/50/25 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.