Davenport, IA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Davenport, IA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Average Rate of Car Insurance in Davenport, IA, is $943
The average cost of auto insurance in Davenport, IA, is $943. Car owners here can improve save more by comparing multiple auto insurance quotes from different auto insurers. The cost of auto insurance depends on numerous factors ranging from the make and model of the vehicle to the driver’s age.
Credit Score:
A healthy credit score will also determine the cost of one’s auto insurance. Possessing an “exceptional” or “good” credit score will reduce the cost of auto insurance for car owners, while a “poor” credit score can lead to a substantial increase in auto insurance.
Deductible:
Deductibles are among the most common factors affecting the rate of auto insurance in the country, and Davenport is no different. A high deductible leads to a decrease in the cost of auto insurance, while a low deductible can lead to an increase. The average cost of auto insurance on a low deductible ($500) is $2,804. This goes down to $2,368 when the deductible is higher ($1,000).
Driving Record:
The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term impact on Davenport’s auto insurance cost. Post-DUI, the average cost of auto insurance increases to $1,602, from $943.
Demographics:
The cost of auto insurance depends on the driver’s age and gender. Women are generally considered to be safe drivers, making auto insurance cheaper for them. Auto insurance is the most affordable for drivers in their fifties and sixties at $832 and $843. Auto insurance is expensive for teenagers since they lack driving experience. The average cost of auto insurance for teenagers in Davenport is $3,060.
Neighborhood:
The neighborhood one lives in Davenport can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the make and model of the vehicle and the rate of auto thefts in the neighborhood, the price can vary.
Factors that can influence the cost of car insurance in Davenport, IA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Davenport, IA Auto Insurance Rates
- Davenport, IA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Davenport, IA
- Multi Vehicle Insurance Savings in Davenport, IA
- How Credit Score Affects Car Insurance Rates in Davenport, IA
- How DUI Affects Auto Insurance Premiums in Davenport, IA
- Top Auto Insurance Agents Near Davenport, IA
- How Driving Violations Affect Auto Insurance Rates in Davenport, IA
- Davenport, IA Auto Insurance Discounts on Anti Theft Feature
- Davenport, IA Auto Insurance Company Reviews
Davenport, IA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Davenport, IA with that of other cities in and around Davenport.
| Davenport | Rock Island County | Scott County | South Rock Island | Sheridan | Eldridge | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $943 | $1,214 | $914 | $1,209 | $1,404 | $1,085 |
Davenport, IA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Davenport, IA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Davenport | $2,804 | $2,368 |
| Rock Island Arsenal | $1,990 | $1,681 |
| South Rock Island | $1,483 | $1,253 |
| Rock Island | $2,754 | $2,326 |
| Eldridge | $1,695 | $1,432 |
| Rock Island County | $1,492 | $1,261 |
| Scott County | $1,197 | $1,011 |
| Sheridan | $1,858 | $1,569 |
Davenport, IA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Davenport, IA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,060 |
| 20 Years | $1,212 |
| 30 Years | $933 |
| 40 Years | $898 |
| 50 Years | $832 |
| 60 Years | $843 |
| 70 Years | $981 |
Davenport, IA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Davenport, IA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,660 | $226 |
| 3 Vehicles | $2,490 | $339 |
| 4 Vehicles | $3,319 | $453 |
Savings on 2 Vehicles bundle:$226
Savings on 3 Vehicles bundle:$339
Savings on 4 Vehicles bundle:$453
Davenport, IA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Davenport, IA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Davenport | $943 | $1,602 |
| Rock Island Arsenal | $1,932 | $3,136 |
| South Rock Island | $1,209 | $1,963 |
| Rock Island | $940 | $1,526 |
| Eldridge | $1,085 | $1,844 |
| Rock Island County | $1,214 | $1,971 |
| Scott County | $914 | $1,553 |
| Sheridan | $1,404 | $2,386 |
Davenport, IA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $809 |
| Excellent (740-799) | $924 |
| Good (670-739) | $983 |
| Average (580-669) | $1,282 |
| Poor (300-579) | $1,538 |
Davenport, IA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Lori Rutten | Allstate | 2318 Eastern Ave, Davenport, 52803 | (563) 386-4053 |
| Rc Insurance Solutions | Travelers | 2500 18TH ST, BETTENDORF, 52722 | 563-345-6414 |
| Karwath Insurance Agency, Inc. | None | 250 W 35Th St, Davenport, 52806 | None |
| Nelson Brothers Agency | Travelers | 940 LINCOLN RD, BETTENDORF, 52722 | 563-323-9233 |
| Michele Kapinski | State Farm | 104 E Le Claire Rd, Eldridge, 52748-1783 | 563-285-9947 |
| Ken Kroemer Insurance | None | 1035 Lincoln Rd, Bettendorf, 52722 | None |
| Molyneaux Insurance, Inc. | None | 100 Kirkwood Blvd, Davenport, 52803 | None |
| Matthew Casillas | State Farm | 102 E Kimberly Road, Davenport, 52806-5922 | 563-386-5481 |
Davenport, IA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$41 | $984 |
| Driver's Failure In Showing Documents | +$91 | $1,034 |
| Driving With An Expired Registration | +$97 | $1,040 |
| Driving At A Considerably Slow Pace | +$205 | $1,148 |
| Using A Cellphone While Driving | +$216 | $1,159 |
| Running A Red Light | +$220 | $1,163 |
| Speeding | +$231 | $1,174 |
| Driving A Vehicle Without The Required Permission | +$293 | $1,236 |
| Driving With An Expired/Suspended License | +$636 | $1,579 |
Davenport, IA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $905 |
| Active Disabling Device | $905 |
| Tracking Device | $886 |
| Passive Disabling Device | $877 |
Latest Auto Insurance Reviews in Davenport, IA | Back to Top
GeicoMy personal premium is 66 dollars a month for my car insurance, and deductible is 2500. I hate the deductible, and think its way too high for full coverage, but willing to look past it for future uses if required.
GeicoI would recommend this company to others because of the great rates and customization that they offer, but they also take the time to recognize that you've been with the company for a long duration.
ProgressiveI like the premium and deductible. I searched around and even though it is not the lowest for either, I'm loyal cause of all the other things they offer.
ProgressiveSince our state requires a specific minimum to insurance for drivers and does not regulate insurance companies beyond covering nothing less than the state minimum all insurance is expensive.
Farm BureauI enjoy a low deductible plan through Farm Bureau. I can adjust my coverage online through their portal, or call if i have questions. when my car was hit by a mystery vehicle in a parking lot, and required $2000 in front end repairs, i simply filled out an online form; I didnt even have to give them the police report.
Farm BureauI enjoy a low deductible plan through Farm Bureau. I can adjust my coverage online through their portal, or call if i have questions. when my car was hit by a mystery vehicle in a parking lot, and required $2000 in front end repairs, i simply filled out an online form; I didnt even have to give them the police report.
GeicoGeico is really easy and fast to reach. Their customer service is really reliable and ready to help 24/7
AllstateI used to be insured with Geico and I never received rewards and I have an excellent driving record and Allstate keeps me update on my driving record.
21st Century Auto InsuranceI love the customer service with this company. Although I sometimes have to call back a few times to talk to the person I need, they are always helped and everyone does what they can to help.
Safeco InsuranceLike I said in the statement above, we shopped around in September and our Premium with American Family was the best.
MetlifeThe premium is very cost competitive compared to others I looked at because the policy is a group rate offered through my current employer
GeicoThey are the bare minimum. I have a broken windshield and we never thought of adding it. however to add things like that it can get expensive.
Lenox Mutual InsuranceThe premium for my insurance is fairly low. I pay 60 a month, I don't know how it compares to other companies, but it doesn't seem that bad.