Compare Dover, FL Car Insurance Rates (2021)

Car insurance in Dover, FL averages $443 a month. Dover, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Dover car insurance rates, compare quotes from the top car insurance companies in Dover, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Dover is USAA
  • The cheapest car insurance company in Dover for teen drivers is USAA
  • Average car insurance rates in Dover, FL after a DUI are $6,398/year

If you need to buy Dover, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Dover, FL is right here.

You’ll find Dover car insurance rates, the cheapest Dover, FL car insurance companies, and information on Florida car insurance laws. You can also compare Dover, Florida car insurance rates to Tallahassee car insurance rates, Orlando car insurance rates, and Cape Coral car insurance rates.

Ready to find affordable Dover, FL car insurance today? Enter your ZIP code for fast, free Dover car insurance quotes.

Cheapest Dover, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Dover, FL car insurance rates? Every Dover, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Dover, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,143 $4,982 $4,537 $4,644 $18,715 $20,629 $5,164 $5,265
GEICO $3,867 $3,894 $3,607 $3,607 $6,874 $8,661 $4,269 $4,355
Liberty Mutual $3,914 $3,914 $3,589 $3,589 $8,239 $12,678 $3,914 $5,299
Nationwide $3,503 $3,456 $3,117 $3,226 $8,598 $10,611 $3,869 $4,029
Progressive $3,975 $3,730 $3,395 $3,641 $11,197 $12,165 $4,778 $4,525
State Farm $2,388 $2,388 $2,165 $2,165 $7,115 $9,117 $2,663 $2,849
USAA $1,854 $1,823 $1,736 $1,720 $6,347 $7,353 $2,315 $2,497

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Minimum Car Insurance in Dover, FL

Every driver must carry the minimum car insurance in Dover, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Dover, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Dover, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Dover, FL. Compare credit history car insurance rates in Dover from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Dover, Florida

Insurance Company Poor Fair Good
Allstate $12,041 $7,651 $6,213
GEICO $7,090 $4,321 $3,264
Liberty Mutual $7,264 $5,334 $4,329
Nationwide $6,331 $4,634 $4,188
Progressive $7,721 $5,491 $4,565
State Farm $5,301 $3,451 $2,817
USAA $5,224 $2,548 $1,845

Cheapest Dover, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Dover, FL to rates for a clean record with top companies.

Annual Dover, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,399 $8,897 $9,982 $8,260
GEICO $3,430 $4,363 $6,458 $5,315
Liberty Mutual $4,059 $5,279 $7,677 $5,554
Nationwide $4,294 $4,723 $6,405 $4,783
Progressive $4,677 $6,919 $5,830 $6,277
State Farm $3,519 $4,193 $3,856 $3,856
USAA $2,511 $3,100 $4,580 $2,633

Cheapest Dover, FL Car Insurance for Teen Drivers

Teen car insurance in Dover, FL can be expensive. Take a look at rates from the top car insurance companies in Dover for teenagers.

Annual Car Insurance Rates for Teen Drivers in Dover, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $18,715 $20,629
GEICO $6,874 $8,661
Liberty Mutual $8,239 $12,678
Nationwide $8,598 $10,611
Progressive $11,197 $12,165
State Farm $7,115 $9,117
USAA $6,347 $7,353

Cheapest Dover, FL Car Insurance for Seniors

Take a look at Dover, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Dover, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,537 $4,644
GEICO $3,607 $3,607
Liberty Mutual $3,589 $3,589
Nationwide $3,117 $3,226
Progressive $3,395 $3,641
State Farm $2,165 $2,165
USAA $1,736 $1,720

Cheapest Dover, FL Car Insurance Rates After a DUI

A DUI in Dover, FL increases car insurance rates. Compare Dover, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Dover, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $9,982
GEICO $6,458
Liberty Mutual $7,677
Nationwide $6,405
Progressive $5,830
State Farm $3,856
USAA $4,580

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Cheapest Dover, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Dover, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Dover, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,386 $8,884
GEICO $4,867 $4,917
Liberty Mutual $5,460 $5,824
Nationwide $5,051 $5,051
Progressive $5,926 $5,926
State Farm $3,721 $3,991
USAA $3,169 $3,242

The Best Cheap Car Insurance Companies in Dover, FL

Take a look at a side-by-side comparison of the top car insurance companies in Dover, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Dover, Florida

Insurance Company Average Annual Rates
Allstate $8,635
GEICO $4,892
Liberty Mutual $5,642
Nationwide $5,051
Progressive $5,926
State Farm $3,856
USAA $3,206

Category Winners: Cheapest Car Insurance in Dover, Florida

Find the cheapest car insurance companies in Dover, FL for each category right here.

Best Annual Car Insurance Rates by Company in Dover, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Dover, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Dover car insurance rates. Find the cheapest Dover, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Dover, Florida

Insurance Company Low Medium High
Allstate $6,369 $9,147 $10,388
GEICO $3,969 $5,072 $5,635
Liberty Mutual $5,191 $5,728 $6,008
Nationwide $3,956 $5,256 $5,942
Progressive $4,892 $6,072 $6,813
State Farm $3,248 $3,962 $4,359
USAA $2,746 $3,324 $3,547

What affects car insurance rates in Dover, Florida?

What factors can have an impact on Dover, FL car insurance? There are several reasons why Dover car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Dover, Florida.

Commute Time in Dover

The more time you spend in your car the higher the risk of an accident. The average commute length in Dover, FL is 23.8 minutes according to City-Data.

Traffic in Dover

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Dover, FL traffic data from INRIX ranks Dover as the 836th-most congested in the world.

Compare Car Insurance Quotes in Dover, FL

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Average Monthly Car Insurance Rates by State