7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Save up to $717 by comparing quotes from the top 100+ insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Advertiser Disclosure
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.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Davenport drivers pay an average of $126 per month for car insurance. That’s a bit higher than the statewide average of $114 per month.
Nestled on the banks of the Mississippi River, Davenport is the third most populous city in Iowa. The city’s higher average costs might be a result of its relatively large population. Above-average auto insurance costs tend to follow more vehicles on the road. But comparing car insurance quotes could help you find affordable rates in the city.
Here’s what you should know about finding cheap car insurance in Davenport, Iowa.
Quick Facts
Davenport drivers pay $73 per month for liability-only coverage and $178 per month for a full-coverage policy, on average.
Davenport has a population of approximately 100,000, which could contribute to its higher car insurance costs.
The average cost of car insurance in nearby South Dakota is $117 per month.
Cheapest car insurance companies in Davenport
Drivers in Davenport each have unique situations that affect their insurance premiums. Each insurance company has a different way of assessing your situation, which leads to different rates.
While every driver is unique, some insurance companies consistently offer cheaper rates than others. But shopping around to compare quotes across different companies will help you find the cheapest car insurance premiums.
Use the information below about some of the top insurance companies in Davenport, Iowa, to kickstart your search. Rates shown in the table below are for the state of Iowa.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Auto-Owners
4.0
$43
$22
Cheap rates
USAA
4.5
$46
$23
Veterans
GEICO
4.2
$50
$25
Young drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$24/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$47/mo
Across the state, Auto-Owners offers the cheapest average insurance rates for both full-coverage and liability-only policies. In addition to relatively affordable rates, this insurance company earned an above-average J.D. Power customer satisfaction rating in the Central region. Drivers can also find other insurance products through Auto-Owners, including life insurance, home insurance, and renters insurance.
Pros
Long list of discounts
Above-average J.D. Power customer satisfaction rating in the Central region
Cons
Must finalize policy with an insurance agent
Limited online capabilities
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$25/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$50/mo
USAA offers relatively cheap car insurance to drivers in Iowa. But the company only works with active-duty, reserve, and veteran military members, as well as select family members. Davenport has a veteran community of more than 6,000 people who might be able to take advantage of great rates. Plus, USAA offers a variety of other financial products to its members, including checking and savings accounts, IRAs, homeowners insurance, and life insurance.
Pros
Highly rated mobile app
SafePilot program offers up to 30% savings to good drivers
Cons
Limiting eligibility requirements
Customer service closed on Sundays
They have stopped thinking about how today's financial strain is impacting their customers.
Darcy - November 26, 2023
Verified
Not satisfied with price hike even after lowering coverage.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$27/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$55/mo
Families with young drivers can appreciate the discounts available through GEICO. More than 20% of the population in Davenport is younger than 18. Families can tap into discounts for good students, safe driving, driver’s education courses, and multiple vehicles. Additionally, you can purchase optional accident forgiveness as your new driver eases onto the road. However, GEICO earned a below-average J.D. Power customer satisfaction ranking in the Central region.
Pros
Accident forgiveness available
Many discounts families can use
Cons
No rideshare coverage
Below-average J.D. Power customer satisfaction rating in the Central region
Everything good except the price.
RAY - December 4, 2023
Verified
I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.
Elizabeth - December 3, 2023
Verified
I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.
How to get the cheapest car insurance in Davenport
Insurance companies look at many different factors when deciding your auto insurance premiums, including your location, age, driving record, credit history, marital status, and insurance type.[1] As you explore your options, use the strategies below to find the cheapest rates:
Ask for a discount. Many insurance companies offer discount opportunities, which you might qualify for.
Shop around. Shopping around can help you find an insurance company that offers the best deal for your situation.
Raise your deductible. Most insurance companies offer lower premiums to drivers with higher deductibles. If you can afford a higher deductible, this option can lead to savings.
Choose minimum coverage. A car insurance policy with minimal coverage is usually the cheapest option. But this is only a good idea if you’re comfortable with less-than-robust coverage.
Find Cheap Car Insurance in Davenport, Iowa
Rates start as low as $24/mo. for liability-only coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Davenport: Auto-Owners
If you cause a car accident, liability car insurance will help you pay for damages and injuries you cause to others.[2]
Most states require drivers to carry liability insurance. But it’s a limited coverage option that might not be sufficient for your situation. The cheapest insurer in Davenport for liability-only coverage is Auto-Owners, with monthly rates starting at $24.
The table below includes the average rates some insurance companies quote in Davenport for liability-only insurance.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
24
USAA
25
GEICO
27
American Family
30
Allstate
31
Farmers
35
Safeco
42
Nationwide
47
Travelers
47
Progressive
56
Dairyland
57
Bristol West
62
Midvale Home & Auto
64
Liberty Mutual
68
Direct Auto
72
The General
98
Foremost
104
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Davenport: Auto-Owners
A full-coverage car insurance policy includes comprehensive coverage, collision coverage, and liability coverage. This type of policy will help you pay to repair or replace your own vehicle after an incident you cause.
Most auto lenders require drivers to carry a full-coverage policy if they lease or finance their vehicle. But many drivers can appreciate the more robust financial security this type of policy offers.
Auto-Owners has the cheapest full-coverage car insurance in Davenport, with rates as low as $47 per month.
The following table shows average quotes for full-coverage car insurance policies in Davenport.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
47
USAA
50
GEICO
55
American Family
58
Allstate
61
Farmers
70
Travelers
94
Nationwide
95
Safeco
99
Progressive
112
Midvale Home & Auto
113
Direct Auto
139
State Auto
152
Dairyland
163
Liberty Mutual
197
Bristol West
208
The General
214
Foremost
220
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Iowa
Davenport drivers must carry a minimum amount of liability coverage to operate on public roads. Below is a closer look at the minimum coverage requirements in the Hawkeye State:[3]
Coverage
Minimum Requirements
Bodily injury liability
$20,000 per person / $40,000 per accident
Property damage liability
$15,000 per accident
You might want to consider these additional coverage options for more financial protection:
Comprehensive coverage
After something other than a collision causes damage,comprehensive insurancecan help you get back on the road. Covered events include vandalism, theft, and severe weather.
Collision coverage
Collision insurance can help you pay for repairs after an accident. In addition to collisions with other cars, you might have help paying for repairs after colliding with a tree, fence, or other stationary object.
Cheapest car insurance for drivers with an incident
Mistakes on the road can turn into traffic violations on your driving record. A few serious offenses include speeding tickets, driving under the influence, and at-fault accidents. In general, these indicate risk to insurance companies, which leads to higher premiums.
With more drivers on the road than most other cities in the state, Davenport saw more than 2,200 crashes in 2022, which involved more than 4,200 vehicles, according to the Iowa Department of Transportation. Also, Scott County, which encompasses Davenport, saw more than 6,300 speeding tickets in 2021. That puts the county in the top five for most speeding tickets issued in Iowa for the year.[4]
The relatively high number of incidents in Davenport might be the reason why drivers face higher rates in this city than in rural areas in the state.
The following table illustrates how an incident can lead to higher insurance costs.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
Auto-Owners
24
32
34
40
USAA
25
33
35
42
GEICO
27
35
38
45
American Family
30
40
43
50
Allstate
31
40
44
52
Farmers
35
46
49
59
Safeco
42
60
65
70
Nationwide
47
62
67
79
Travelers
47
63
67
79
Progressive
56
76
82
94
Dairyland
57
77
82
95
Bristol West
62
83
87
104
Liberty Mutual
68
96
103
114
Direct Auto
72
97
105
120
The General
98
132
143
164
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Insurance companies often take your age into account when determining premiums. In general, teen drivers face the highest premiums due to a lack of experience behind the wheel.
Young adults often deal with higher insurance costs until around age 35. After that, drivers tend to enjoy falling car insurance rates for decades. But eventually, the trend reverses. Most drivers start to see climbing insurance costs around age 70.
Explore the average car insurance prices by age in the table below:
Age
Average Monthly Quote
Teen
$322
20s
$217
30s
$169
40s
$151
50s
$135
60s
$128
70s
$132
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Davenport, Iowa
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Davenport car insurance quotes by credit tier
Unlike in some states, Iowa insurance companies are allowed to consider your credit history when determining premiums.[5] This means that drivers with excellent or good credit generally pay the lowest rates for car insurance, while people with poor credit pay more.
As a driver, working to improve your credit score can help you take advantage of lower rates. The chart below shows average car insurance quotes by credit tier in Davenport.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Davenport car insurance FAQs
If you’re shopping for car insurance in Davenport, Iowa, this additional information may help as you research your coverage options.
How much is car insurance in Davenport?
Car insurance in Davenport costs $178 per month for full coverage and $73 per month for liability-only coverage, according to Insurify data.
Who has the cheapest car insurance in Davenport?
Auto-Owners, USAA, and GEICO have the cheapest car insurance in Davenport. Their monthly liability-only rates start at $24, $25, and $27, respectively. But the cheapest insurance company for you will depend on many factors, including your age, ZIP code, driving history, credit history, and more.
What are the best car insurance companies in Davenport?
The best car insurance company in Davenport is Auto-Owners. The company has an above-average J.D. Power customer satisfaction rating in the Central region and an A++ (Superior) financial strength rating from AM Best It also offers numerous discounts to its customers. Other top insurers to consider include GEICO and USAA.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.