Compare Dover, KY Car Insurance Rates (2021)

Car insurance in Dover, KY averages $367 a month. Dover, Kentucky car insurance requirements are 25/50/25, 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, KY.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Dover is USAA
  • Average car insurance rates in Dover, KY after a DUI are $5,279/year
  • Average car insurance rates in Dover, KY are $4,402/year

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

You’ll find Dover car insurance rates, the cheapest Dover, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Dover, Kentucky car insurance rates to Covington car insurance rates, Florence car insurance rates, and Bowling Green car insurance rates.

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

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

How do age, gender, and marital status affect Dover, KY car insurance rates? Every Dover, Kentucky 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, Kentucky

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 $3,266 $3,230 $2,955 $3,149 $12,078 $13,570 $3,612 $3,815
GEICO $3,594 $3,333 $3,742 $3,389 $7,170 $8,568 $2,951 $2,559
Liberty Mutual $2,864 $3,105 $2,443 $2,727 $11,554 $12,761 $2,997 $3,120
Nationwide $3,300 $3,314 $2,972 $3,117 $7,450 $9,339 $3,740 $3,944
Progressive $2,171 $2,061 $1,947 $1,952 $10,688 $12,120 $2,697 $2,772
State Farm $1,883 $1,883 $1,682 $1,682 $5,567 $7,044 $2,099 $2,346
Travelers $2,116 $2,153 $2,082 $2,084 $10,112 $16,210 $2,211 $2,548
USAA $1,836 $1,842 $1,654 $1,686 $4,862 $5,131 $2,321 $2,544

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Dover, KY

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

Minimum Required Car Insurance Coverage in Dover, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Dover, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Dover, KY. 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, Kentucky

Insurance Company Poor Fair Good
Allstate $7,563 $5,219 $4,346
GEICO $7,256 $3,623 $2,361
Liberty Mutual $7,439 $4,555 $3,595
Nationwide $5,647 $4,437 $3,858
Progressive $5,077 $4,437 $4,139
State Farm $4,366 $2,641 $2,064
Travelers $5,509 $4,664 $4,646
USAA $4,072 $2,277 $1,855

Cheapest Dover, KY 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, KY to rates for a clean record with top companies.

Annual Dover, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,736 $6,174 $6,586 $5,341
GEICO $2,599 $4,672 $7,199 $3,183
Liberty Mutual $4,335 $6,660 $5,182 $4,607
Nationwide $3,682 $4,781 $6,064 $4,062
Progressive $3,763 $5,568 $4,298 $4,575
State Farm $2,766 $3,281 $3,023 $3,023
Travelers $4,308 $4,432 $6,398 $4,621
USAA $2,062 $2,916 $3,479 $2,482

Cheapest Dover, KY Car Insurance for Teen Drivers

Teen car insurance in Dover, KY 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, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,078 $13,570
GEICO $7,170 $8,568
Liberty Mutual $11,554 $12,761
Nationwide $7,450 $9,339
Progressive $10,688 $12,120
State Farm $5,567 $7,044
Travelers $10,112 $16,210
USAA $4,862 $5,131

Cheapest Dover, KY Car Insurance for Seniors

Take a look at Dover, KY 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, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,955 $3,149
GEICO $3,742 $3,389
Liberty Mutual $2,443 $2,727
Nationwide $2,972 $3,117
Progressive $1,947 $1,952
State Farm $1,682 $1,682
Travelers $2,082 $2,084
USAA $1,654 $1,686

Cheapest Dover, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Dover, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,586
GEICO $7,199
Liberty Mutual $5,182
Nationwide $6,064
Progressive $4,298
State Farm $3,023
Travelers $6,398
USAA $3,479

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Dover, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Dover, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,709 $5,709
GEICO $4,371 $4,456
Liberty Mutual $5,196 $5,196
Nationwide $4,647 $4,647
Progressive $4,551 $4,551
State Farm $2,950 $3,097
Travelers $4,940 $4,940
USAA $2,633 $2,836

The Best Cheap Car Insurance Companies in Dover, KY

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

Average Annual Car Insurance Rates by Company in Dover, Kentucky

Insurance Company Average Annual Rates
Allstate $5,709
GEICO $4,413
Liberty Mutual $5,196
Nationwide $4,647
Progressive $4,551
State Farm $3,023
Travelers $4,940
USAA $2,735

Category Winners: Cheapest Car Insurance in Dover, Kentucky

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

Best Annual Car Insurance Rates by Company in Dover, Kentucky

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Dover, KY 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, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Dover, Kentucky

Insurance Company Low Medium High
Allstate $5,314 $5,688 $6,126
GEICO $4,176 $4,404 $4,660
Liberty Mutual $4,967 $5,165 $5,457
Nationwide $4,735 $4,596 $4,611
Progressive $4,256 $4,508 $4,889
State Farm $2,845 $3,019 $3,207
Travelers $4,685 $4,961 $5,173
USAA $2,617 $2,729 $2,858

What affects car insurance rates in Dover, Kentucky?

What factors can have an impact on Dover, KY 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, Kentucky.

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, KY is 28.4 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, KY traffic data from INRIX ranks Dover as the 836th-most congested in the world.

Compare Car Insurance Quotes in Dover, KY

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption