Average car insurance cost in Davenport, IA

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The average car insurance cost in Davenport, Iowa is $1,538 per year, according to Insure.com data analysis. Also, the car insurance rates in Davenport is $92 less than the average rates in Iowa and $357 less than the national average.

Most insurance providers consider factors such as location, city demographics, population density, and average resident age, accident rates, theft and vandalism rates while determining your car insurance premium. This may lead to either lower or higher costs compared to other regions.

This article provides details on the most and least expensive car insurance companies in Davenport, the average car insurance rates categorized by age and gender, and the cost of car insurance in Davenport based on coverage limits. Whether you’re a new driver or an experienced driver, this article will help you find the most cost-effective auto insurance in Davenport. Read on to learn more.

Cheap car insurance companies in Davenport

At an average of $1,197 per year with full coverage limits of 100/300/100, Travelers provides the most affordable car insurance in Davenport.

Ranked as the second most affordable company in Davenport, West Bend Insurance Company provides car insurance at $1,239 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Davenport that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Davenport, Iowa:

Read about the best car insurance companies.

Average car insurance cost in Davenport by coverage limits

In Davenport, the average car insurance rates based on coverage types are as follows:

• State minimum coverage: $337 per year (limits are 25/50/25)
• Liability only coverage: $407 per year (limits are 50/100/50)
• Full coverage: $1,538 per year (limits are 100/300/100)
• Non-owners coverage: $199 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Davenport

Based on an analysis by Insure.com, female drivers in Davenport, Iowa pay an average annual car insurance premium of $1,545. In comparison, male drivers pay $1,531 annually, which is $14 less than what female drivers pay.

According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Davenport

In Davenport, car insurance rates are the highest for teens, at $4,616 per year or $385 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $2,552 per year for their car insurance which is $2,064 less than what the teens pay for their insurance policy.

The car insurance rates in Davenport for adult and senior drivers are $1,545 and $1,469 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Davenport

Examining the trends in car insurance rates in Davenport, Iowa it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 23%, or $288.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Davenport, are lower than the average insurance cost in Iowa. Shopping around and taking advantage of available discounts, drivers in Davenport can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.