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How much is car insurance in Davenport?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $9 a month more expensive to insure your vehicle in Davenport than it is in the rest of Iowa.
On the other hand, car insurance rates in Davenport are often favorable when viewed against the rest of the country. You can expect to pay about $16 below the national average for auto insurance in Davenport.
These may be the average auto insurance rates for Davenport, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't sweat it however, we've broken down average rates for Davenport residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Davenport.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in Davenport is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Davenport with one accident will pay around $75 a month. In addition, drivers with one ticket can expect to pay around $88 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$63|
The most affordable vehicles to insure in Davenport are typically trucks and vans, which run about $62 per month.
Car owners can expect to pay an average of around $63 a month for their policy, while SUVs usually cost around $68 a month to insure.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Davenport, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
On average, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Davenport is no exception, with the difference totaling to around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$60|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $21 a month more than homeowners in Davenport. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Davenport, IA
Recent trends in car insurance for Davenport drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Davenport, the rates for car insurance dropped from 2017-2019, when they reached a low of $40. This trend leveled out in 2020, when they began to increase, and have continued to do so through 2022, when car insurance rates hit a high of $73 per month.
How does Davenport compare to neighboring areas?
Why are car insurance rates in Davenport different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Frequency of car accidents
- Crime levels
- Amount of off-street parking
- Total number of drivers in the area
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. Each area will have different rates. Guides like these are a wonderful place to get started.
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 to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in Davenport.
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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 credit score, address, marital status and driving record.
Why is the cost of car insurance in Davenport different from other neighboring cities?
Things like crime rates, parking situations, 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?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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.
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