Dover Car Insurance

Everything You Need To Know About Car Insurance in Dover

Dover is the capital of Delaware and also ranks as the state’s second largest city. Located on the banks of the St. Jones River, Dover is a beautiful place to live and work in. With a low cost of living and never-ending opportunities for local entertainment, Dover is now one of the fastest growing areas in the state. If you live in this city, you already know that traffic can be a major headache. That’s why every driver in Dover, DE needs the coverage of a comprehensive car insurance policy.

Choosing the best Dover car insurance is simple with the help of the Independent Insurance Agents at Trusted Choice®. Our friendly agents can help you navigate the complicated world of liability limits and find a policy that meets state requirements and gives you peace of mind when you get behind the wheel. 

  • National average cost per year: $1,311
  • Delaware average cost per year: $1,542
  • 13th most expensive auto premium in the U.S.

Auto insurance premiums in Delaware are higher than the national average, but the Trusted Choice agents can help you find discounts to make your policy more affordable. There are several key factors that will determine the cost of your car insurance; the make and model of your car, how often you drive and your driving record will all be used to determine your rate quote. 

Delaware Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 15/30/10

Delaware laws require all drivers to have liability insurance. Cover minimums are $15,000 for individual bodily injury, $30,000 for all injuries in an accident and $10,000 for property damage per accident. Keep in mind that if you get in an accident and the costs exceed your coverage limits, you will have to pay the rest out of pocket. Oftentimes, it’s well worth it to invest in a higher liability limit just so that you are protected in case an accident does occur. 

Number of Uninsured Motorists in Delaware

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Delaware drivers: 11.5%

The screeching of tires, the shattering of glass … it only takes a split second for an accident to change your life forever. If you get into a collision and the other driver isn’t insured, how will you cover the costs to repair your car and get medical care? Invest in uninsured motorist coverage so that you have peace of mind, and always have a backup plan in case an uninsured driver hits you.

Number of Auto Thefts in Delaware

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Delaware: 1.57

While Delaware has a number of auto thefts that is lower than the national average, it’s still a significant concern if you live in Dover. Make sure you always keep your car doors locked and park in a well-lit area. Never leave your car running unattended. As you shop for auto insurance, look for policies that include coverage for auto theft.

Find a Great Dover Car Insurance Policy

Before you venture out onto the busy roadways of Dover, make sure you’re covered with the best car insurance policy. The Independent Insurance Agents at Trusted Choice can walk you through your options and provide quotes on multiple policies so you can compare prices and benefits and choose the plan that is right for you. Contact a Trusted Choice agent today to learn more about Dover car insurance and get your personalized quote.

Now, who's ready to get their insurance problems solved?