Davenport, IA Car Insurance

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How much does auto insurance cost in Davenport?

 

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 AUTO INSURANCE RATES
Davenport Average (yearly)Iowa AverageNational Average
$1,104$1,106$1,548
 
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Davenport auto insurance rates by insurer

 

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.

 
DAVENPORT CAR INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
GEICO$839
Nationwide$926
Iowa Farm Bureau$933
State Farm$976
IMT$1,123
 

Check out our guide to learn how to find the best cheap car insurance.

 
 

 

Car insurance rates by age bracket in Davenport

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.

 
DAVENPORT CAR INSURANCE RATES BY DRIVER AGE
Age groupAverage Annual Rate
Teenagers$3,377
20s$1,513
30s$1,076
40s$1,009
50s$911
60s$924
70s$1,157
 

Learn more about the impact of age on car insurance premiums.

 
 

 

Davenport auto insurance costs by marital status and gender

 

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.

 
DAVENPORT CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$1,111
Male$1,104
Single$1,015
Married$1,015
Divorced$1,104
Widowed$1,062
 

Read more about the relationships between gender, marital status and insurance rates.

 
 

 

Davenport auto insurance costs by accident and citation history

 

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.

 
DAVENPORT CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Yearly Rate
DUI/DWI$1,737
Reckless Driving$1,748
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
 

Get more info on how a bad driving history can impact your car insurance costs.

 
 

 

Davenport car insurance premiums by credit tier

 

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.

 
DAVENPORT CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Yearly Rate
Very Poor$2,046
Fair$1,343
Good$1,104
Very Good$1,010
Exceptional$918
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 
 

 

Start saving on insurance today!

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.