Compare Dover, NJ Car Insurance Rates (2021)

Car insurance in Dover, NJ averages $405 a month. Dover, New Jersey car insurance requirements are 15/30/5, 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, NJ.

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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.

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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, NJ after a DUI are $5,754/year
  • The cheapest car insurance company in Dover for teen drivers is GEICO
  • The cheapest car insurance company in Dover is GEICO

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

You’ll find Dover car insurance rates, the cheapest Dover, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Dover, New Jersey car insurance rates to Camden car insurance rates, Passaic car insurance rates, and Newark car insurance rates.

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

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

How do age, gender, and marital status affect Dover, NJ car insurance rates? Every Dover, New Jersey 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, New Jersey

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 $3,100 $3,083 $2,999 $2,999 $9,846 $12,198 $3,633 $3,776
Farmers $4,232 $4,270 $4,110 $4,030 $12,414 $14,276 $5,031 $5,162
GEICO $2,063 $2,026 $2,013 $2,013 $3,750 $3,787 $2,370 $2,328
Liberty Mutual $3,592 $3,592 $3,939 $3,939 $9,217 $10,454 $3,939 $4,513
Progressive $1,828 $1,696 $1,652 $1,695 $8,209 $9,071 $2,159 $2,079
State Farm $3,960 $3,960 $3,586 $3,586 $12,938 $16,606 $4,512 $5,040
Travelers $2,960 $2,870 $2,738 $2,760 $6,651 $7,473 $2,880 $2,853

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Minimum Car Insurance in Dover, NJ

Every driver must carry the minimum car insurance in Dover, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Dover, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Dover, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Dover, NJ. 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, New Jersey

Insurance Company Poor Fair Good
Allstate $7,210 $4,695 $3,708
Farmers $7,931 $6,244 $5,896
GEICO $3,823 $2,206 $1,603
Liberty Mutual $6,824 $5,076 $4,295
Progressive $3,964 $3,470 $3,212
State Farm $9,793 $5,914 $4,614
Travelers $5,231 $3,837 $2,627

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

Annual Dover, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,899 $6,487 $5,685 $4,745
Farmers $5,180 $8,795 $7,150 $5,638
GEICO $1,983 $2,601 $3,609 $1,983
Liberty Mutual $5,187 $5,926 $5,293 $5,187
Progressive $3,063 $4,080 $3,489 $3,562
State Farm $3,689 $6,702 $10,764 $5,939
Travelers $3,001 $4,457 $4,292 $3,842

Cheapest Dover, NJ Car Insurance for Teen Drivers

Teen car insurance in Dover, NJ 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, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,846 $12,198
Farmers $12,414 $14,276
GEICO $3,750 $3,787
Liberty Mutual $9,217 $10,454
Progressive $8,209 $9,071
State Farm $12,938 $16,606
Travelers $6,651 $7,473

Cheapest Dover, NJ Car Insurance for Seniors

Take a look at Dover, NJ 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, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,999 $2,999
Farmers $4,110 $4,030
GEICO $2,013 $2,013
Liberty Mutual $3,939 $3,939
Progressive $1,652 $1,695
State Farm $3,586 $3,586
Travelers $2,738 $2,760

Cheapest Dover, NJ Car Insurance Rates After a DUI

A DUI in Dover, NJ increases car insurance rates. Compare Dover, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Dover, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,685
Farmers $7,150
GEICO $3,609
Liberty Mutual $5,293
Progressive $3,489
State Farm $10,764
Travelers $4,292

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Cheapest Dover, NJ Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Dover, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,195 $5,214
Farmers $6,691 $6,691
GEICO $2,523 $2,565
Liberty Mutual $5,346 $5,450
Progressive $3,549 $3,549
State Farm $6,600 $6,947
Travelers $3,898 $3,898

The Best Cheap Car Insurance Companies in Dover, NJ

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

Average Annual Car Insurance Rates by Company in Dover, New Jersey

Insurance Company Average Annual Rates
Allstate $5,204
Farmers $6,691
GEICO $2,544
Liberty Mutual $5,398
Progressive $3,549
State Farm $6,774
Travelers $3,898

Category Winners: Cheapest Car Insurance in Dover, New Jersey

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

Best Annual Car Insurance Rates by Company in Dover, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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

Annual Car Insurance Rates by Coverage Level in Dover, New Jersey

Insurance Company Low Medium High
Allstate $4,833 $5,275 $5,504
Farmers $6,055 $6,666 $7,352
GEICO $2,304 $2,592 $2,735
Liberty Mutual $4,859 $5,556 $5,779
Progressive $3,228 $3,604 $3,814
State Farm $6,304 $6,861 $7,156
Travelers $3,589 $3,901 $4,205

What affects car insurance rates in Dover, New Jersey?

What factors can have an impact on Dover, NJ 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, New Jersey.

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, NJ is 43.8 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, NJ traffic data from INRIX ranks Dover as the 836th-most congested in the world.

Compare Car Insurance Quotes in Dover, NJ

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

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