Table of contents
How much is car insurance in Davenport?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $25 a month cheaper to insure your vehicle in Davenport than it is in the rest of Florida.
Conversely, Davenport residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $17 more expensive for coverage in Davenport than the average rates for the U.S. as a whole.
Bear in mind that while these rates represent the expected monthly payments for residents of Davenport, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Davenport and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in Davenport.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Davenport, where female drivers pay around $9 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Davenport, having a single accident on your record will usually get you rates around $143 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $130.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$77|
|15 Years or Older||$100|
As you can see in the first table above, the cheapest vehicles to insure in Davenport are usually trucks and vans, which run about $81 per month.
Car owners can expect to pay an average of around $100 a month for their policy, while SUVs usually cost around $97 a month to insure.
You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In Davenport, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$101|
On average, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Davenport, with married couples paying about $6 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$130|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $23 a month more than if you own your own home in Davenport. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Davenport, FL
Recent trends in car insurance for Davenport drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Davenport, the rates for car insurance increased from 2016-2017, but began to decrease in 2020. This trend has continued through 2021 when rates have most recently reached $88 per month.
How does Davenport compare to neighboring areas?
Why are car insurance rates in Davenport different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Community regulations
- Amount of drivers in the community
- Road Safety (how many accidents each locality has)
- Crime levels
- Amount of off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Davenport?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Davenport in no time.
Davenport Insurance FAQs
What factors affect car insurance quotes in Davenport?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Davenport different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Davenport?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Davenport?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Davenport or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?