Dover Auto Insurance Rates, Quotes, Agents & Reviews in TN

Dover, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Dover, TN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Dover, TN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Dover, TN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Dover, TN with that of other cities in and around Dover.

Dover Cumberland City Erin New Concord Tennessee Ridge Houston County
Average Insurance Rates $1,440 $1,399 $1,385 $1,935 $1,406 $1,401

Dover, TN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Dover, TN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Dover $1,452 $1,227
Stewart County $1,331 $1,124
Tennessee Ridge $1,421 $1,201
Cumberland City $1,925 $1,626
Erin $1,372 $1,159
Houston County $1,056 $892
New Concord $1,702 $1,437
Canton $1,080 $913

Dover, TN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Dover, TN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,673
20 Years $1,850
30 Years $1,425
40 Years $1,371
50 Years $1,270
60 Years $1,287
70 Years $1,499

Dover, TN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Dover, TN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,448 $432
3 Vehicles $3,672 $648
4 Vehicles $4,896 $864

Savings on 2 Vehicles bundle:$432

Savings on 3 Vehicles bundle:$648

Savings on 4 Vehicles bundle:$864


Dover, TN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Dover, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Dover $1,440 $2,580
Stewart County $1,435 $2,571
Tennessee Ridge $1,406 $2,519
Cumberland City $1,399 $2,506
Erin $1,385 $2,481
Houston County $1,401 $2,510
New Concord $1,935 $3,222
Canton $1,946 $3,240

Dover, TN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,235
Excellent (740-799) $1,410
Good (670-739) $1,501
Average (580-669) $1,958
Poor (300-579) $2,349

Dover, TN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Parks & Associates Insurance Agency Travelers 803 DONELSON PARKWAY, DOVER, 37058 931-232-9919
Todd Binkley Insurance Llc Erie 915 S Main Street, Ashland City, 37015 None
Jackson Insurance Travelers 384 S Main St Ste B, Ashland City, 37015 (615) 792-3500
Epic Insurance Group Llc Liberty Mutual Independent 1869 MADISON ST, CLARKSVILLE, 37043 931-542-9388
Sills Agency - Dover None 211 Donaldson Pkwy, Dover, 37058 None
Mann Smith & Cummings Liberty Mutual Independent 1997 MADISON ST, CLARKSVILLE, 37043 931-552-4314
April Bowers Agency Inc. Nationwide 512 Madison St STE B, Clarksville, 37040 (931) 645-1616
Middle Tn Property & Casualty Co Llc Travelers 1379 ASHLAND CITY RD STE C, CLARKSVILLE, 37040 931-645-4651
Bfs Insurance Group Llc Erie 1545 Madison Street, Clarksville, 37040 None

Dover, TN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$63 $1,503
Driver's Failure In Showing Documents +$140 $1,580
Driving With An Expired Registration +$148 $1,588
Driving At A Considerably Slow Pace +$312 $1,752
Using A Cellphone While Driving +$330 $1,770
Running A Red Light +$336 $1,776
Speeding +$353 $1,793
Driving A Vehicle Without The Required Permission +$448 $1,888
Driving With An Expired/Suspended License +$971 $2,411

Dover, TN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,382
Active Disabling Device $1,382
Tracking Device $1,354
Passive Disabling Device $1,339