Compare Dover, MN Car Insurance Rates (2021)

Car insurance in Dover, MN averages $358 a month. Dover, Minnesota car insurance requirements are 30/60/10, 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, MN.

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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

  • Average car insurance rates in Dover, MN after a DUI are $5,848/year
  • The cheapest car insurance company in Dover is State Farm
  • Average car insurance rates in Dover, MN are $4,292/year

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

You’ll find Dover car insurance rates, the cheapest Dover, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Dover, Minnesota car insurance rates to St. Cloud car insurance rates, Maple Grove car insurance rates, and Duluth car insurance rates.

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

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

How do age, gender, and marital status affect Dover, MN car insurance rates? Every Dover, Minnesota 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, Minnesota

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 $2,829 $2,829 $2,719 $2,719 $6,567 $9,584 $3,434 $3,625
American Family $2,278 $2,278 $2,066 $2,066 $6,246 $9,031 $2,278 $2,569
Farmers $2,031 $2,027 $1,952 $2,064 $5,788 $5,827 $2,659 $2,589
GEICO $2,399 $2,380 $2,292 $2,228 $5,029 $6,388 $2,248 $2,327
Liberty Mutual $9,135 $9,135 $9,045 $9,045 $17,956 $26,937 $9,135 $12,711
Nationwide $1,769 $1,776 $1,578 $1,672 $4,542 $5,510 $2,079 $2,163
State Farm $1,442 $1,442 $1,281 $1,281 $3,074 $3,781 $1,667 $1,381
USAA $1,785 $1,765 $1,629 $1,617 $4,894 $5,351 $2,329 $2,466

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Minimum Car Insurance in Dover, MN

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

Minimum Required Car Insurance Coverage in Dover, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Dover, MN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Dover, MN. 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, Minnesota

Insurance Company Poor Fair Good
Allstate $6,267 $3,421 $3,177
American Family $4,917 $3,264 $2,622
Farmers $3,896 $2,820 $2,635
GEICO $3,796 $3,103 $2,586
Liberty Mutual $17,968 $11,618 $9,076
Nationwide $3,130 $2,532 $2,247
State Farm $2,797 $1,711 $1,248
USAA $4,277 $2,088 $1,824

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

Annual Dover, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,052 $4,515 $5,532 $4,055
American Family $2,423 $4,345 $4,892 $2,746
Farmers $2,669 $3,364 $3,404 $3,031
GEICO $2,098 $3,336 $4,965 $2,248
Liberty Mutual $9,433 $12,953 $18,990 $10,174
Nationwide $2,103 $2,775 $3,182 $2,484
State Farm $1,768 $2,069 $1,919 $1,919
USAA $2,024 $2,589 $3,899 $2,406

Cheapest Dover, MN Car Insurance for Teen Drivers

Teen car insurance in Dover, MN 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, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,567 $9,584
American Family $6,246 $9,031
Farmers $5,788 $5,827
GEICO $5,029 $6,388
Liberty Mutual $17,956 $26,937
Nationwide $4,542 $5,510
State Farm $3,074 $3,781
USAA $4,894 $5,351

Cheapest Dover, MN Car Insurance for Seniors

Take a look at Dover, MN 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, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,719 $2,719
American Family $2,066 $2,066
Farmers $1,952 $2,064
GEICO $2,292 $2,228
Liberty Mutual $9,045 $9,045
Nationwide $1,578 $1,672
State Farm $1,281 $1,281
USAA $1,629 $1,617

Cheapest Dover, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Dover, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,532
American Family $4,892
Farmers $3,404
GEICO $4,965
Liberty Mutual $18,990
Nationwide $3,182
State Farm $1,919
USAA $3,899

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Cheapest Dover, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Dover, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,288 $4,288
American Family $3,559 $3,644
Farmers $3,117 $3,117
GEICO $3,120 $3,203
Liberty Mutual $12,510 $13,265
Nationwide $2,636 $2,636
State Farm $1,867 $1,970
USAA $2,694 $2,765

The Best Cheap Car Insurance Companies in Dover, MN

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

Average Annual Car Insurance Rates by Company in Dover, Minnesota

Insurance Company Average Annual Rates
Allstate $4,288
American Family $3,601
Farmers $3,117
GEICO $3,162
Liberty Mutual $12,887
Nationwide $2,636
State Farm $1,919
USAA $2,730

Category Winners: Cheapest Car Insurance in Dover, Minnesota

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

Best Annual Car Insurance Rates by Company in Dover, Minnesota

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

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

Annual Car Insurance Rates by Coverage Level in Dover, Minnesota

Insurance Company Low Medium High
Allstate $4,233 $4,285 $4,347
American Family $3,590 $3,700 $3,513
Farmers $3,005 $3,129 $3,217
GEICO $3,064 $3,160 $3,260
Liberty Mutual $12,579 $12,897 $13,186
Nationwide $2,483 $2,656 $2,770
State Farm $1,845 $1,925 $1,987
USAA $2,650 $2,728 $2,811

What affects car insurance rates in Dover, Minnesota?

What factors can have an impact on Dover, MN 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, Minnesota.

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, MN is 27.8 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, MN traffic data from INRIX ranks Dover as the 836th-most congested in the world.

Compare Car Insurance Quotes in Dover, MN

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

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