I'm stationed at Dover Air Force Base. Can you help?

Yes, if you're buying a Delaware policy. Tell us about your situation, including where your car is registered and when you expect to move, and we'll go through it with you. We are also licensed in Maryland, New Jersey, and Pennsylvania.

What's the minimum car insurance in Delaware?

$25,000 per person and $50,000 per accident for injuries, $10,000 for property damage, and personal injury protection of $15,000 per person and $30,000 per accident. Many drivers choose more than the minimum.

Do you insure RVs in Kent County?

Yes. RV insurance is one of the ten lines we write, anywhere in Delaware.

Delaware’s only GEICO Exclusive Agency

Auto, Renters, and RV Insurance in Dover, DE

Delaware's capital, served by Delaware's only GEICO Exclusive Agency.

Rather talk to someone? Call our office

Dover, Delaware

Insurance for Delaware's capital city

Dover is the second-largest city in Delaware and the seat of state government. It's also home to Dover Air Force Base and Delaware State University. So you've got long-time Kent County families living next to people who may only be here for a few years.

We should be upfront: our one office is in Wilmington, about an hour up Route 1. We don't have a Dover location. But most insurance questions don't need a drive. Call us, and you'll talk to a licensed agent in Delaware who knows the state's rules.

We serve ZIP codes 19901 and 19904.

Legislative Hall, Delaware's state capitol building in Dover

Local numbers

Homes and households in Dover

Dover has the highest share of renters of the eleven towns on this site, with just over half of households renting. The typical home was built around 1983, and about 73% of workers drive alone.

Median year homes were built: 1983
Households that rent: 53%
Homes used seasonally: <1%
Workers who drive alone: 73%
Households with 3+ vehicles: 14%

Rounded estimates from the U.S. Census Bureau's American Community Survey, 2020–2024.

What matters most in Dover

Three things that come with living in Delaware's capital.

Auto Insurance
Route 13 and Route 1
Route 13 is Dover's main commercial strip, and Route 1 is the fast way north or to the beach. Both get busy, especially on a race weekend. Check your limits against what you drive and how much you'd have at risk.
Get an auto quote
Renters Insurance
Base families and students
If you rent near the base or Delaware State University, you probably own more than you think. Renters insurance generally moves with you, which helps when your address changes every couple of years.
Get a renters quote
RV Insurance
Race weekends and road trips
Plenty of NASCAR fans camp in RVs at Dover Motor Speedway every year. If you own one, it needs coverage made for it, including for the time it spends parked between trips.
Get a RV quote

Why call Anne Scharp Insurance from Dover?

There's only one GEICO Exclusive Agency in Delaware, and that makes it easy to choose. It's based in the same state as you, an hour up the road, and it answers the phone.

The only one in Delaware
Anne Scharp Insurance is the only GEICO Exclusive Agency in the state. It's what we do all day.
The same rates as GEICO.com
Working with us doesn't change your price. You get the same rates you'd find online, plus someone to call.
More than sixteen years
We have more than sixteen years of experience, an A+ from the BBB, and two GEICO Top Performer awards.

All coverage

Insurance we write for Dover

These are all the lines we write. Choose one to see what we’d go over with you.

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Our office

Getting from Dover to our office

We are about 48 miles north of Dover, or about an hour. Take Route 1 north most of the way. Note that it's a toll road. A phone call is the easier place to start.

We’re licensed in Delaware, Maryland, New Jersey, and Pennsylvania, and we have Spanish-speaking agents. Walk-ins are welcome during office hours.

FAQ

Insurance questions from Dover

No. Our one office is in Wilmington, about an hour north. You can reach us by phone or request a quote online from Dover, and you're always welcome to visit.

Last updated November 4, 2026. This page is general information, not advice about your own policy. What a policy covers depends on its terms, so call us before you rely on anything here.

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