By: Shravya Reddy October, 08, 2019
Dover, the capital city of Denver, is home to Delaware State University and Wesley College. Delaware has mandatory car insurance minimums like most states. It is a state law that all at-fault drivers pay for the damages, and that all drivers with insurance carry uninsured motorist coverage. Zimlon's research estimates the annual average car insurance premium in Dover is $1462. Dover drivers can also pay as high as $1820 and as low as $1144 in premiums. By comparing multiple quotes and reviews, drivers in Dover could save $580 on car insurance. Location, driving record, age, gender, marital status, and car model play a considerable role for insurers in calculating the cost of insurance. In the neighboring town of Kent Acres, DE, the average cost of car insurance is higher by $428. In Dover Base Housing, DE, the price goes up to $2190 for median car insurance. Depending on your zip code, the cost can vary not just in the state but also in the city. For instance, a driver residing in Cardinal Hill area of Dover can pay as much as $2637 in car insurance while a driver living on Taylor Dr in Dover would pay an average of $1387 in annual car insurance payments. Even within specific localities, depending on the zip code, the price can vary.
In Dover, married men pay $658 more than married women. For instance, a married man driving a 2014 Kia Sorento would pay an average of $1839 in car insurance while a married woman would pay $1785 for similar coverage. Moreover, in Dover, senior men pay $292 more than senior women. Even a spotless driving record can't make up for the price disparity based on gender. According to recent data compiled by the Delaware State Police, for the third year in a row, the total number of injuries due to an auto accident in Delaware Accounting for 8% of the city's population, Dover teenagers pay $4005 in car insurance. To make matters worse for teenagers in the city, post-DUI rates can increase car insurance rates quite significantly. For example, in Dover, a male teenager driving a 2012 Dodge Journey Crew would pay $3880 post-DUI on auto insurance while a female teenager post-DUI would pay $3723.
Several other factors could impact car insurance rates. In Dover, car insurance rates vary by the deductible. For a driver with a low deductible of $500 and a car insurance premium of $1580 could see savings of $110 if the driver switched to a high deductible plan instead. Likewise, bundling car insurance for multiple vehicles is a good idea. 40% of Dover drivers own two cars, while 34% own two vehicles, and 13% have three cars. If the cost of insurance for two cars is $2778 in Dover, then for a driver insuring three vehicles it would be $4240. That is quite a bit of saving based on insuring multiple vehicles.
Shravya Reddy is a writer, public relations associate and content producer. She has worked in the corporate space on various mediums of print media as well as digital media. As a journalist, she has covered a range of topics including real estate, architecture, design, and technology. She has contributed to various online publications as a copywriter and copy editor. Shravya has done her BA in Journalism, Film & Media from Cardiff University. In her spare time, she enjoys traveling, exploring new cuisines and culture and wildlife.