Cheapest Car Insurance In Davenport, IA 2024

Auto-Owners offers the lowest car insurance rates in Davenport, averaging $18 per month for minimum coverage.

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Written by Bob Phillips
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When looking for affordable car insurance in Davenport, IA, the rates can vary widely, but Auto-Owners stands out with competitive pricing. On average, residents can get car insurance for about $118 per month, which is significantly higher than the state’s average of $94.

For those in need of the cheapest liability-only coverage, Auto-Owners is the top choice. Additionally, drivers seeking comprehensive coverage will find Auto-Owners’ full coverage policies to be the most affordable at $53 per month. For young drivers, however, State Farm provides the lowest rates, averaging $102 per month.

Cheapest Car Insurance Companies In Davenport, IA 2024

Cheapest Car Insurance, Davenport 2024

How Much Is Car Insurance In Davenport, IA?

Auto-Owners provides the cheapest car insurance in Davenport, IA, with coverage available for $118 a month. As shown in the table below, these rates are significantly higher than the average rate in the State of Iowa.

Area Average Monthly Rate
National $152
Iowa $94
Davenport, IA $118

Cheapest Car Insurance In Davenport For Young Adults: State Farm

State Farm provides the most affordable quotes for young adults in Davenport, with rates averaging around $102 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $102 $1,224
Farm Bureau Mutual (IA Group) $136 $1,632
Nationwide ThreeSixZero $115 $1,380
Hastings Mutual Insurance Co $128 $1,536
IMT Insurance Company $126 $1,512

In Iowa, young adult drivers usually enjoy lower car insurance rates compared to teenagers. This difference in pricing is attributed to the development of driving habits and a corresponding decrease in risky behaviors as drivers age.

Statistically, young adults are less inclined to file claims with insurance companies, indicating a decrease in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.

Cheapest Minimum Coverage Car Insurance In Davenport: Auto-Owners

Auto-Owners is the most affordable car insurance provider for minimum coverage in Davenport, with an average monthly cost of $18.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $18 $216
American Family $37 $444
USAA $30 $360
Allstate $28 $336
GEICO $36 $432

In Iowa, the minimum car insurance requirement is 20/40/15. This means your policy must include at least:

  • $20,000 for bodily injury per person
  • $40,000 for bodily injury per accident
  • $15,000 for property damage per accident

While having minimum car insurance offers some protection on the road, it doesn’t cover collision or comprehensive insurance. This means any damage to your own vehicle from accidents, theft, or natural disasters won’t be covered.

Cheapest Auto Insurance Rates In Davenport For Teenagers: IMT Insurance Company

Teenage drivers in Davenport can get the cheapest quotes from IMT Insurance Company, with average monthly premiums of $144.

Provider Average Monthly Cost Average Annual Cost
IMT Insurance Company $144 $1,728
USAA $190 $2,280
State Farm $163 $1,956
Auto-Owners Insurance Co $185 $2,220
Farm Bureau Mutual (IA Group) $176 $2,112

Teenage drivers usually encounter the highest car insurance premiums, primarily due to their lack of experience. Insurance companies classify these young motorists as high-risk because they are statistically more likely to be involved in accidents and commit traffic violations.

Cheapest Full Coverage Car Insurance In Davenport: Auto-Owners

Auto-Owners offers the lowest rates for full coverage car insurance in Davenport, with quotes averaging $53 a month.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $53 $636
American Family $67 $804
USAA $60 $720
Allstate $72 $864
GEICO $63 $756

Full coverage car insurance offers extensive protection beyond the basic coverage required by law. It generally combines comprehensive and collision coverages. Comprehensive coverage protects against non-collision incidents such as theft, vandalism, and natural events. Collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of who is at fault.

Cheapest Car Insurance In Davenport For Seniors: Safeco

Safeco offers the cheapest car insurance rates for seniors in Davenport, with quotes averaging $25 a month.

Provider Average Monthly Cost Average Annual Cost
Safeco $25 $300
IMT Insurance Company $76 $912
State Farm $75 $900
Farm Bureau Mutual (IA Group) $93 $1,116
Hastings Mutual Insurance Co $76 $912

In Iowa, many seniors can find favorable car insurance rates due to a variety of beneficial factors. While age is generally considered when determining insurance rates, with older age sometimes linked to decreased driving ability, this stereotype doesn’t apply to everyone.

Cheapest Car Insurance Companies In Davenport For Drivers With Prior Incidents

In Davenport, drivers with records of traffic violations, such as accidents, speeding, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions lead insurance companies to categorize them as high-risk, anticipating a higher likelihood of future insurance claims.

As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts.

Cheapest Car Insurance In Davenport After A Speeding Ticket: Auto-Owners

Auto-Owners stands out for its affordability compared to other companies, offering average rates of $29 per month.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $29 $348
American Family $47 $564
USAA $40 $480
Allstate $50 $600
GEICO $44 $528

Cheapest Car Insurance In Davenport After At-Fault Accident: Auto-Owners

Auto-Owners provides the most affordable car insurance quotes for drivers with an at-fault incident, averaging $26 per month.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $26 $312
American Family $35 $420
USAA $45 $540
Allstate $50 $600
GEICO $45 $540

Cheapest Car Insurance In Davenport For Drivers After A DUI: Auto-Owners

Auto-Owners offers the most budget-friendly rates for drivers with a DUI in Davenport, with average monthly premiums of $50.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $50 $600
Allstate $61 $732
USAA $52 $624
American Family $58 $696
GEICO $55 $660

Best Car Insurance Companies In Davenport

When selecting a car insurance company in Davenport, IA, finding affordable rates and securing reliable protection are equally important. Below are the top 10 car insurance companies in Davenport, IA, ranked by the average monthly rate they offer.

Company Monthly Premium
Nationwide ThreeSixZero $98
State Farm $76
American Family $101
Hastings Mutual Insurance Co $95
Pekin Insurance $108
Farm Bureau Mutual (IA Group) $86
Auto-Owners Insurance Co $108
IMT Insurance Company $97
USAA $106
Safeco $101

Average Cost Of Car Insurance In Davenport – By Vehicle

Vehicle Average Monthly Rate
2003 Buick Century $36
2018 Toyota Rav4 $190
2012 Jeep Liberty $107
2006 Ford Five Hundred $100

The type of vehicle you own significantly affects your car insurance costs. Insurance companies consider factors like the make, model, year, and body type of the car. Generally, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers take these factors into account because they directly impact the potential cost of claims. For example, repairs for a high-end car are generally more expensive than for a standard vehicle.

Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance In Other Cities in Iowa?

City Average Monthly Rate
Iowa City $92
Ames $113
Harlan $98
Boone $99
Dubuque $114
Cedar Rapids $102
Des Moines $112
Clinton $83
Davenport $118
Council Bluffs $115

Where you live has a significant impact on your car insurance rates. Insurance companies evaluate various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates. These risks are usually higher in urban areas, leading to increased premiums.

Average Cost Of Auto Insurance In Davenport – By Zip Code

City Average Monthly Rate
52801 $95
52804 $122
52802 $117
52806 $105
52803 $120

Average Cost Of Car Insurance In Davenport – By Age

Age Average Yearly Rate
Teenagers $3,360
20s $1,692
30s $1,200
40s $1,068
50s $1,164
60s $1,140
70s $924

Age plays a significant role in determining car insurance rates. Typically, younger drivers, especially teens and young adults, encounter higher insurance premiums due to their inexperience and statistically higher likelihood of accidents and traffic violations. However, as drivers turn 25, their rates usually begin to decrease, assuming a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, which affects the cost of premiums accordingly.

Our Methodology

By conducting a thorough analysis that considers multiple aspects such as customer service ratings, product options, pricing, and a comprehensive evaluation of various online review sites and user experiences, I've developed a detailed understanding of the landscape of car insurance providers in Davenport, IA.

18

Years Of Industry Experience

10

Product Types Examined

16

Research Hours

9

Insurance Brands Reviewed

FAQs

Who has the lowest car insurance rates in Davenport?

Auto-Owners provides the lowest car insurance rates in Davenport for both the minimum coverage required by the State of Iowa and full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Davenport?

The average cost of car insurance in Davenport is approximately $118 per month. However, rates can vary based on factors such as your zip code, the year and model of your car, driving record, and other relevant details.

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