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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 $26 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. The cost of auto coverage in Davenport is about $17 more expensive than the national average.
While these are the average costs to insure your vehicle in Davenport, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Davenport residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Davenport Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $49 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in Davenport.
Davenport Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their car, in Davenport men actually pay $96 per month for coverage while women pay $100.
Davenport Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Davenport, a driving record with one accident will usually get you a rate around $131 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $97.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Davenport Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$89|
|15 Years or Older||$100|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Davenport, with drivers paying around $76 per month for auto insurance coverage.
Car owners can expect to pay an average of around $102 a month for their policy, while SUVs usually cost around $95 a month to insure.
Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Davenport, the most expensive vehicles to insure are vehicles two-to -three years old.
Davenport Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$99|
Overall, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Davenport is about $8 a month, with married couples paying less for coverage than single drivers.
Davenport Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $20 a month more than drivers who own property in Davenport. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Davenport, FL
Recent trends in car insurance for Davenport drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
Auto insurance rates in Davenport declined from 2017-2018, before steadying out in 2019. They finished down in 2022, at $93 per month
How does Davenport compare to neighboring areas?
Why are car insurance rates in Davenport different from other areas?
Car insurance companies take in a variety of factors when figuring out how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- General road safety (how many accidents each locality has)
- Community laws
- Total number of drivers in the area
- Crime levels
- Amount of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Davenport?
While getting familiar with 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. Enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Davenport.
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Davenport Auto Insurance FAQs
What factors affect car insurance quotes in Davenport?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Davenport different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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 however, 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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Davenport or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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