Davenport Car Insurance

The Zebra
May 30, 2018

Car Insurance in Davenport

Premiums in Davenport are relatively equivalent to Iowa's rates, as its premiums are within $32 of the state average. Why don't we go over some tips on how to save on car insurance in Davenport?

  • City Average: $1,047
  • State Average: $1,015
  • National Average: $1,427

Davenport Car Insurance by Accident or Violation History

Do you have an accident or violation on your record? That can have an impact on your prices on car insurance. A DUI will increase your car insurance premiums more than other driving violations. In Davenport, drivers with a DUI need to spend $778 more than the city average to insure their vehicle. Reckless driving will also drive your rates up, with typical rates of $1,757. That is 68% higher than the city average! If you are found at-fault in an accident in Davenport, expect your annual car insurance premiums to grow by $637.

  • DUI: $1,825
  • Reckless Driving: $1,757
  • At-fault Accident (damages less than $1000): $1,684
  • At-fault Accident (damages greater than $2000): $1,684
  • Speeding Ticket (16-20 mph over speed limit): $1,251

Davenport Car Insurance by Age

At $885, drivers in their 50s have the lowest car insurance premiums among any age group. However, people in their 60s ($917) aren’t paying much more. With payments of $3,764 on average, teenage drivers are the ones who pay the most in car insurance premiums. Drivers in Davenport see the largest dip in premiums when they reach their 20s, as they pay an average of 60% less after moving out of the teenage age bracket. When drivers turn 60, they will experience an insurance rate increase related to their age for the first time.

  • Teenagers: $3,764
  • 20s: $1,497
  • 30s: $1,031
  • 40s: $983
  • 50s: $885
  • 60s: $917
  • 70s: $1,128

Davenport Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Davenport is determined by a variety of factors, including marital status and gender. Rates for those who are widowed are marginally cheaper than rates for those who are single. Married individuals save 7% per year on car insurance compared to those who are single or divorced. Premiums for men and women usually vary slightly, with women paying less.

  • Female: $1,046
  • Male: $1,047
  • Single: $1,047
  • Married: $977
  • Divorced: $1,047
  • Widowed: $1,028

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Davenport Car Insurance by Credit Rating

Improving your credit can save you a sizable sum of money. Those in the bottom credit tier (300-579) typically pay almost twice as much on premiums than those in the top credit tier (800-850). In terms of percent change, moving from Very Poor (300-579) to Fair (580-669) has the largest favorable effect on premiums, as it saves drivers around 16% per year.

  • Very Poor: $1,773
  • Fair: $1,493
  • Good: $1,263
  • Very Good: $1,090
  • Exceptional: $938