Cheapest Auto Insurance in Davenport, Iowa (2024)

Drivers in Davenport will find the cheapest car insurance coverage from Auto-Owners, with monthly liability-only rates as low as $24.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 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.

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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 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.

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Updated June 16, 2024

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Cheapest recent rates near Davenport, Iowa

Recent Davenport, Iowa car insurance prices for Ford, Hyundai, Chevrolet , and more.

*Quotes generated for Insurify users in and around Davenport, Iowa within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Davenport, Iowa within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Davenport drivers pay an average of $119 per month for car insurance. That’s a bit higher than the statewide average of $108 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 $69 per month for liability-only coverage and $168 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 $120 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 CompanyIQ 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 CoverageLiability OnlyBest For
Auto-Owners4.3$44$22Cheap rates
USAA4.7$47$23Veterans
GEICO4.4$51$25Young 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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
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.
4.3
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.
$48/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

Read our Auto-Owners review
Thomas - June 12, 2024
Verified

Good Customer Service

The service is very good. They offer a one-year policy and a discount for paying in full. However, the price is too high.

Martine - June 7, 2024
Verified

Poor Customer Service

The customer service is poor, I would recommend staying away.

Jack - June 4, 2024
Verified

Auto Owners has always been good!

I really like the agent. We primarily communicated via email. She was always great to work with.

Best insurer for veterans: USAA

Compare personalized, real-time quotes
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.
4.7
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.
$51/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

Read our USAA review
Gerald - June 16, 2024
Verified

Unhappy

They keep raising the price.

Gerald - June 16, 2024
Verified

My Insurance Rates Have Gotten Very High

They are quick to raise their rates.

Kenneth - June 15, 2024
Verified

Not Good

They're not too good at relating to customers.

Best insurer for young drivers: GEICO

Compare personalized, real-time quotes
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.
4.4
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.
$56/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

Read our GEICO review
Joseph J - June 16, 2024
Verified

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

David - June 16, 2024
Verified

GEICO's Rates are Too High

The premiums have increased astronomically.

Cynthia - June 16, 2024
Verified

Poor Service

Stay away from this disorganized, greedy, and rarely available company.

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

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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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$24
USAA$25
GEICO$27
American Family$29
Allstate$31
Farmers$35
Safeco$41
Nationwide$47
Travelers$47
Progressive$56
Dairyland$57
Bristol West$63
Direct Auto$68
Liberty Mutual$73
Root$81
The General$98
Foremost$106
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 $48 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$48
USAA$51
GEICO$56
American Family$59
Allstate$63
Farmers$72
Safeco$94
Nationwide$96
Travelers$96
Midvale Home & Auto$100
Progressive$114
Root$132
Direct Auto$134
Dairyland$168
Liberty Mutual$213
Bristol West$215
The General$222
Foremost$228
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 recent rates near Davenport, Iowa

Recent Davenport, Iowa car insurance prices for Hyundai, Ford, Chevrolet , and more.

*Quotes generated for Insurify users in and around Davenport, Iowa within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Davenport, Iowa within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    After something other than a collision causes damage, comprehensive insurance can help you get back on the road. Covered events include vandalism, theft, and severe weather.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Auto-Owners$24$32$34$42
USAA$25$33$36$44
GEICO$27$35$39$47
American Family$29$38$41$51
Allstate$31$41$44$54
Farmers$35$46$50$61
Safeco$41$55$57$72
Nationwide$47$62$68$82
Travelers$47$62$67$82
Progressive$56$74$81$98
Dairyland$57$75$81$100
Bristol West$63$82$89$110
Direct Auto$68$90$99$119
Liberty Mutual$73$105$113$128
Root$81$113$122$142
The General$98$130$142$172
Foremost$106$153$164$186
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:

AgeAverage 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

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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 $168 per month for full coverage and $69 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.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  3. Iowa.gov. "Automobile Insurance."
  4. Iowa Department of Transportation. "Speeding Convictions by County of Occurrence 2012-2021."
  5. Iowa Insurance Division. "Consumer Connection: What is a Credit Score?."
Sarah Sharkey
Sarah SharkeyInsurance Writer

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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 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.

Featured in

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