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How much is car insurance in Davenport?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $27 a month cheaper to insure your vehicle in Davenport than it is in the rest of Florida.
Drivers relocating the Davenport should take note of the differences in average rates. It's about $15 more expensive than the national average to insure your vehicle in Davenport.
While these are the average costs to insure your vehicle in Davenport, keep in mind that you could end up paying a different amount. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Davenport so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up in Davenport.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for insurance coverage, Davenport actually goes against the grain. While female drivers pay $99 a month to insure their vehicle, males only pay about $94.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Davenport, a driving record with a single accident will usually get you a rate around $123 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $97 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$89|
|15 Years or Older||$97|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Davenport, with drivers paying around $76 per month for insurance coverage.
SUV drivers will see rates of about $94 for auto insurance, while car owners by and large pay around $101 per month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Davenport, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$98|
Overall, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The cost of auto insurance in Davenport reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $19 a month more than if you own your own home in Davenport. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Davenport, FL
Recent trends in car insurance for Davenport drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Davenport, the rates for auto insurance had been decreasing from 2017-2018, before leveling out in 2019. Car insurance rates finished down in 2022, at $59 a 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 choosing how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Road Safety (how many accidents each locality has)
- Total number of drivers in the region
- Rate of crime
- Off-street parking availability
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Davenport.
Davenport Insurance FAQs
What factors affect car insurance quotes in Davenport?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Davenport different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Davenport?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Davenport?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Davenport or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.