On average customers save $40 when shopping for car insurance in Davenport, IA. Enter your zip code to get insurance now.
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Car insurance coverage costs an average of $1,104 each year in Davenport. That's less than the average across Iowa ($1,106) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Davenport.
|Davenport Average (yearly)||Iowa Average||National Average|
One of the most important determinants of your car insurance rates is the insurance company you work with. In Davenport, GEICO offers the cheapest premiums for the typical insurance buyer. See below the best companies for cheap auto insurance in Davenport — but don't forget to get personalized car insurance quotes to match your driving profile.
|Insurer||Average Annual Rate|
|Iowa Farm Bureau||$933|
The best age for car insurance rates as a driver in Davenport is your 50s: drivers in this age group pay an average of $911per year. Those in their 60s don't pay much more ($924).
Teenage drivers pay Davenport's most expensive car insurance rates. When Davenport drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Davenport is $1,863. That's the biggest gap in premiums between any pair of age brackets.
|Age group||Average Annual Rate|
In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers usually pay less for car insurance than their single counterparts. In Davenport, married motorists pay $89 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Davenport, single drivers pay more than those who are widowed.
Gender is yet another factor that can affect auto insurance premiums. In Davenport, female drivers pay $7 per year more than do male drivers.
|Gender/Marital Status||Average Yearly Rate|
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. Davenport drivers found guilty of reckless driving face insurance rate increases of $644 per year, compared to the citywide average. A DUI violation may lead to a $633 increase, while a citation for speeding leads to a $175 rate hike.
|Incident/Violation||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$1,435|
|At-fault Accident (damages greater than $2,000)||$1,536|
|Speeding Ticket (16-20 mph over speed limit)||$1,279|
In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Davenport drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 55% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Davenport, improving your credit to "Fair" could help you earn a $703 decrease in yearly insurance premiums.
|Credit Score||Average Yearly Rate|
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.