120+ more*Quotes generated for Insurify users in and around Davenport, Florida within the last 10 days. Last updated on August 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Davenport, Florida within the last 10 days. Last updated on August 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years experience in personal finance writing
Personal finance blogger
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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25 years teaching risk management and insurance course
Former commercial lines underwriter
Updated
Car insurance in Davenport averages $139 per month for liability coverage and $239 for full coverage. Davenport drivers pay slightly higher car insurance rates than drivers in Winter Haven, while drivers in Kissimmee pay higher rates than both cities, according to Insurify data.
Meanwhile, drivers in Orlando typically pay more for auto insurance than drivers in Davenport. Orlando has higher traffic congestion, with drivers losing an average of 32 hours annually to delays.[1]
Davenport has a population density of 2,418 people per square mile and an average commute time of 41 minutes — both well above the Florida state average.[2] More people on the road lead to higher risks of accidents, pushing insurance rates slightly above the statewide average.
Insurify Car makes it affordable and easy to get same-day liability coverage
Florida’s minimum coverage requirements include $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).[3]
Liability insurance costs $139 per month, on average, in Davenport, which is slightly below the Florida average of $139. State Farm is the cheapest insurance company in Florida for liability coverage and may be a good option for drivers with basic insurance needs.
Full coverage averages $239 per month in Davenport — slightly above the state average of $236 — with State Farm offering the best rates.
Davenport faces several weather-related risks, including tornadoes, flooding, and hurricanes. Events such as Hurricane Milton in 2024 highlight why comprehensive coverage can be valuable for protecting your vehicle from storm damage.[4]
The table below shows how liability insurance and full-coverage insurance rates compare in Davenport.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $80 | $129 |
| Clearcover | $86 | $212 |
| Mile Auto | $87 | $164 |
| Progressive | $87 | $144 |
| GEICO | $90 | $188 |
| Embark | $106 | $258 |
| Dairyland | $113 | $323 |
| GAINSCO | $120 | $286 |
| Direct Auto | $121 | $201 |
| Mercury | $124 | $182 |
| The General | $128 | $245 |
| Bristol West | $137 | $212 |
| Allstate | $140 | $224 |
| AssuranceAmerica | $140 | $253 |
| National General | $147 | $190 |
| Root | $164 | $290 |
| Travelers | $166 | $266 |
| Mendota | $225 | $351 |
| First Acceptance | $226 | $331 |
| Liberty Mutual | $231 | $300 |
Auto insurance in Davenport costs close to the Florida average, with slightly higher full-coverage rates offset by slightly lower liability costs.
Drivers in nearby Orlando typically pay more for insurance coverage. The Orlando metro area ranked No. 38 nationwide for theft volume during the first half of 2025, highlighting theft-related risks in the region, according to the National Insurance Crime Bureau.
Venice and Milton are among the cheapest cities in Florida for car insurance, while Miami Gardens and Boynton Beach are the most expensive, according to Insurify data. The table below shows how average monthly car insurance quotes in Davenport compare with those in other Florida cities.
City | Average Monthly Quote |
|---|---|
| Venice | $134 |
| Milton | $142 |
| The Villages | $143 |
| Saint Augustine | $149 |
| North Port | $150 |
| Panama City | $150 |
| Punta Gorda | $150 |
| Vero Beach | $150 |
| Port Orange | $153 |
| Eustis | $155 |
| Gainesville | $157 |
| Sarasota | $158 |
| Melbourne | $161 |
| Palm Coast | $161 |
| Cocoa | $164 |
| Naples | $164 |
| Pensacola | $164 |
| Palm Bay | $166 |
| Jupiter | $167 |
| Cape Coral | $169 |
| Tallahassee | $169 |
| Ocala | $170 |
| Largo | $172 |
| Bradenton | $175 |
| Clearwater | $175 |
| Daytona Beach | $175 |
| Port Saint Lucie | $175 |
| Lakeland | $177 |
| Winter Springs | $177 |
| Saint Cloud | $178 |
| Clermont | $179 |
| Winter Haven | $179 |
| Fort Myers | $180 |
| Sanford | $180 |
| Pinellas Park | $183 |
| Oviedo | $185 |
| Plant City | $185 |
| Coral Springs | $186 |
| Orange Park | $186 |
| Saint Petersburg | $186 |
| Jacksonville | $187 |
| Palm Harbor | $188 |
| Apopka | $190 |
| Altamonte Springs | $192 |
| Deltona | $196 |
| Palm Beach Gardens | $197 |
| Spring Hill | $198 |
| Kissimmee | $199 |
| New Port Richey | $204 |
| Wesley Chapel | $206 |
| Orlando | $208 |
| Wellington | $212 |
| Boca Raton | $215 |
| Brandon | $215 |
| Riverview | $215 |
| Fort Lauderdale | $218 |
| Hollywood | $220 |
| North Miami Beach | $220 |
| Holiday | $223 |
| Pompano Beach | $224 |
| West Palm Beach | $224 |
| Homestead | $227 |
| Miami Beach | $227 |
| Deerfield Beach | $233 |
| Delray Beach | $239 |
| Lake Worth | $239 |
| Hialeah | $240 |
| Tampa | $241 |
| Miami | $242 |
| Boynton Beach | $255 |
| Miami Gardens | $268 |
Since Davenport is near Orlando, you may encounter increased tourist traffic from theme parks like Disney World and Universal Studios.
Depending on your insurance needs, uninsured motorist coverage can provide additional financial protection if you’re in an accident with an uninsured driver. About 1 in 5 Florida drivers has no insurance coverage, which could leave you paying out of pocket if you’re in an accident with one of them.[5]
U.S. Highway 17 runs through Davenport, while U.S. Highway 27 to the west connects to Interstate 4 and ChampionsGate. The Florida Department of Transportation recently added lanes to I-4 to relieve congestion, reducing travel times by about 30 minutes.[6]
Drivers should also watch out for flooding in Polk County, especially near water and in low-lying areas. Known flood-prone areas include Gator Creek, Itchepackesassa Creek, and Peace Creek. If you encounter a flooded road, turn around instead of trying to drive through it.[7]
About 4% of drivers in Davenport have an at-fault accident on their record, 3% have a speeding ticket, and 1% have a driving under the influence (DUI) conviction, according to Insurify data.
Florida is a no-fault state, meaning your own insurance company handles injury claims after an accident, regardless of who was at fault. A speeding ticket in Florida can cost between $25 and $250, depending on your speed, according to Florida law. The state doubles fines for speeding violations in school and construction zones.
Drivers with a DUI conviction must file an FR-44, which requires higher liability insurance limits for three years and may affect eligibility with some insurance companies. An incident on your record could cause insurers to classify you as a high-risk driver and raise your insurance rates.
The table below compares the average car insurance costs in Davenport for drivers with different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $189 |
| Speeding ticket | $220 |
| At-fault accident | $240 |
| DUI | $246 |
Teens can get their learner’s permit at age 15 and their driver’s license at age 16. The Florida Department of Highway Safety and Motor Vehicles recorded 82,477 crashes involving teens, resulting in 140 fatalities in 2024.
High crash risk is one reason why insurers charge young drivers more for insurance coverage. An insurance agent may be able to help young drivers compare coverage options and find lower rates.
Senior drivers in Florida, on the other hand, pay some of the lowest insurance rates. Adults 65 and older make up only about 8% of Davenport’s population, according to U.S. Census data, yet they account for more than 22% of licensed drivers in Polk County.
Below are the average monthly insurance quotes for drivers in Davenport by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $220 |
| 20s | $155 |
| 30s | $138 |
| 40s | $134 |
| 50s | $124 |
| 60s | $117 |
| 70+ | $121 |
*Quotes generated for Insurify users in and around Davenport, Florida within the last 10 days. Last updated on August 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Davenport, Florida within the last 10 days. Last updated on August 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
After years of rate hikes, Florida insurance costs are finally beginning to stabilize. The state’s top five insurance companies indicated an almost 7% average rate decrease for 2025, according to the Florida Office of Insurance Regulation.
If you haven’t compared quotes lately, it may be a good time to shop around for the best car insurance rates available.
Davenport car insurance costs $239 per month for full coverage and $139 for liability coverage. An insurance agency can help you compare auto insurance quotes, coverage options, and discount eligibility. Bundling home insurance with life insurance or motorcycle insurance may help lower your insurance costs in Davenport.
Local factors like population density, severe weather, and longer commute times affect auto insurance premiums in Davenport. Your driving history, vehicle type, and deductible also influence what you pay. Bundling auto insurance with property insurance — such as homeowners insurance or renters insurance — and raising your deductible can lower your premiums.
State Farm offers the cheapest car insurance in Florida, according to Insurify data. But rates vary by driver, location, driving history, and insurance products. An insurance agent can compare coverage options to find the most affordable car insurance in Davenport.
Yes, Florida car insurance laws require drivers to carry $10,000 in property damage liability coverage for damage to another person’s personal property. You must also have $10,000 in personal injury protection for medical expenses after a crash — though it’s not a replacement for health insurance.
A full-coverage insurance policy combines liability insurance with comprehensive coverage and collision coverage to protect your vehicle in case of a collision or weather-related damage.
Florida car insurance costs are well above the national average, making it one of the more expensive states for coverage. Severe weather, a high rate of uninsured drivers, and a history of claims litigation and insurance fraud contribute to Florida’s higher rates. These factors also affect auto insurance costs in Davenport.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
25 years teaching risk management and insurance course
Former commercial lines underwriter
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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