For a 40-year-old driver with a clean record, car insurance in Dover, NH, averages about $142 a month ($1,703 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s about the same as the New Hampshire average of $144 a month. Compare auto insurance quotes in Dover, NH, against these figures. GEICO has the lowest full-coverage average among the five major insurers we compared (Allstate, Concord Group, GEICO, Progressive and State Farm), at about $106 a month.
Dover costs about the same as the New Hampshire average for our benchmark driver, about $142 a month for full coverage, and its neighbors are within a few dollars: Portsmouth averages $138 and Rochester $139.
Our data covers one ZIP code with a Dover mailing address, 03820, the ZIP code that covers Dover on the Census Bureau’s maps, so every price on this page is for it.
Cost data comes from the auto rates insurers file with state regulators, priced in Dover’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.
Car insurance in Dover, NH, costs about $142 a month ($1,703 a year) for full coverage in ZIP code 03820, for our benchmark driver. Liability-only coverage at 25/50/25 limits averages $595 a year ($50 a month), and 50/100/50 liability with comprehensive and collision averages $1,662 ($139 a month).
GEICO has the lowest full-coverage average among the five insurers in our Dover rate data. The recent statewide New Hampshire rate studies we reviewed, one per publisher, disagree on which insurer is cheapest for full coverage: of the seven, two put MMG Insurance first (one in a tie with GEICO), one GEICO, and The Hanover, Safety Insurance, Encompass and Safeco lead one each, apart from USAA, which sells only to military families. In our Dover table, The Hanover*, priced from those studies and scaled to our benchmark driver, comes in at about $83 a month, below these five insurers; we don’t name it because it leads only one of the seven studies. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among these five insurers, at about $30 a month, followed by GEICO at $41. Liability-only coverage costs less, at about $17 and $23 a month, from The Hanover* and MMG Insurance*, which we price from published rate studies and don’t rank.
Full-coverage averages by insurer in Dover
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/25 (Yearly): | Liability Only 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $487 | $41 | $1,275 | $106 |
| Progressive | $355 | $30 | $1,333 | $111 |
| State Farm | $613 | $51 | $1,716 | $143 |
| Concord Group | $560 | $47 | $1,938 | $162 |
| Allstate | $960 | $80 | $2,254 | $188 |
| USAA (military families)* | $326 | $27 | $922 | $77 |
| The Hanover* | $206 | $17 | $991 | $83 |
| Nationwide* | $654 | $55 | $1,408 | $117 |
| MMG Insurance* | $274 | $23 | $1,468 | $122 |
| Dover average | $595 | $50 | $1,703 | $142 |
This table uses Dover’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $41 a year on average in our Dover data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not by much, for our benchmark driver. Comparing the same insurers in the same Dover ZIP code, full coverage averaged $1,696 a year 10 months earlier and $1,703 in rates as of Sept. 30, 2026, a 0.4% increase. State Farm cut its Dover average 9.8% and Progressive 1.6%, while Concord Group raised its average 14.5%; Allstate’s and GEICO’s averages were unchanged. Liability-only coverage at 25/50/25 limits rose 0.3%, led by Concord Group, which raised its liability-only average 14.3%.
Strafford County averages about $142 a month for full coverage, the fourth-most expensive of the 10 New Hampshire counties we price, the same as Dover. Concord Group averages about $162 a month here, fourth of these five insurers and about 53% above GEICO.
Somersworth, to the north, averages about $140 a month, Durham, to the southwest, $141 and Newmarket, to the south, $139, while Barrington, to the west, averages $142. Across the state line to the north, Berwick, Maine, averages about $148 a month in our Maine rate data. New Hampshire insurers price by location as well as by driver and car, so your ZIP code can move your price.
More New Hampshire cities and towns are in the New Hampshire rates by city table, and you can compare states on our car insurance rates by state page.
Rochester, about nine miles northwest, averages $139 a month, and Portsmouth, about 10 miles southeast, $138. Manchester, to the southwest, averages $161. For the statewide picture, see our guide to New Hampshire car insurance rates.
Dover drivers follow New Hampshire’s rules: most drivers aren’t required to buy car insurance, according to the Division of Motor Vehicles, but if you’re uninsured and at fault in a crash with injuries or more than $1,000 in damage, the state can suspend your license until you post security. If you buy a policy, it must include at least:
Our Dover liability-only price, about $50 a month against $142 for full coverage, uses 25/50/25 limits with 25/50 uninsured motorist coverage; the rate data doesn’t list medical payments coverage for that package. Our New Hampshire requirements guide covers SR-22 filings, crash reports and how fault works.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from New Hampshire law and the New Hampshire Division of Motor Vehicles. We refresh these figures when new rate data is released.
Car insurance in Dover, NH, costs about $142 a month ($1,703 a year) for full coverage in ZIP code 03820, and about $50 a month for liability-only coverage at 25/50/25 limits, for our benchmark driver, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is about the same as the New Hampshire average of $144 a month.
GEICO has the lowest full-coverage average among the five major insurers we compared in Dover, at about $106 a month, with Progressive close behind at $111. The Hanover*, which we price from published rate studies and don’t rank, comes in lower for full coverage, at about $83 a month. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among the five major insurers we compared, at about $30 a month. The Hanover* and MMG Insurance*, which we price from published rate studies and don’t rank, come in lower for liability-only coverage, at about $17 and $23 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
A few, but only by a few dollars a month for our benchmark driver. Portsmouth averages about $138 a month for full coverage, Newmarket and Rochester $139, Somersworth $140 and Durham $141, against $142 in Dover. Barrington, at $142, costs about the same.
No. New Hampshire is an at-fault state with no personal injury protection requirement: the driver who causes a crash is responsible for the damage. You can recover damages as long as you were no more at fault than the other driver, and your award is reduced by your share of the blame, under RSA 507:7-d. Every policy also includes at least $1,000 of medical payments coverage for you and your passengers.
In our Dover data, full coverage (100/300/100 with $500 deductibles) averages about $142 a month and liability-only coverage at 25/50/25 limits about $50, a difference of about $92 a month ($1,108 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. New Hampshire law doesn’t require full coverage, but a lender or leasing company may.
Most New Hampshire drivers, including those in Dover, aren’t required to buy car insurance, according to the DMV. But if you’re uninsured and at fault in a crash with injuries or more than $1,000 in damage, the state can suspend your license until you post security, and you may need an SR-22 for at least three years. Any policy you buy must include 25/50/25 liability, uninsured motorist coverage at matching limits and at least $1,000 of medical payments coverage.
Not by much, for our benchmark driver. Comparing the same insurers and ZIP code, Dover full coverage rose 0.4% over the past 10 months, from about $1,696 to $1,703 a year. State Farm cut its Dover average 9.8% and Progressive 1.6%, while Concord Group raised its average 14.5%. Liability-only coverage at 25/50/25 limits rose 0.3%.
For our benchmark driver, full coverage in Dover averages about $142 a month. Nearby, Rochester averages about $139, Portsmouth about $138 and Derry about $153. Rochester and Portsmouth are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
