Cheapest Auto Insurance in Davenport, Florida (2025)
With liability-only rates of $68 per month, State Farm is the cheapest car insurance company in Davenport.
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The average monthly cost of auto insurance in Davenport is $261, slightly higher than the state average of $182 and much higher than the national average of $143.
Davenport’s close proximity to Walt Disney World, which sees more than 40 million visitors each year, may help explain why auto insurance in this small Florida city is above the national average. More people on the road increases the risk of accidents. Florida is also one of the few no-fault states, which can drive up the cost of car insurance.
Learn how to compare car insurance quotes and find the most affordable insurance coverage in Davenport.
3 of the cheapest car insurance companies in Davenport
The cost of car insurance depends on several factors, including your age, gender, location, the type of car you drive, how often you drive, and how clean your driving record is. The auto insurance policy that’s right for you will depend on your specific needs and budget.
Comparing several insurance companies before you make a selection can help you find the right insurance for you and save you money.
Best insurer for customer satisfaction: State Farm
Best insurer for affordable rates: GEICO
Best insurer for on-demand car insurance: Hugo
How to get the cheapest car insurance in Davenport
Auto insurance companies consider a variety of factors when calculating your insurance premiums, including your age, gender, ZIP code, the type of vehicle you drive, and how clean your driving record is.
If your goal is to keep your insurance as affordable as possible, follow these tips:1
Maintain a clean driving record. As a general rule of thumb, the cleaner your record, the lower your premium. If you’ve been in accidents or have serious traffic violations, you can expect to pay more.
Increase your deductible. You can save money on your insurance by raising the deductible. But make sure you’re comfortable with the amount you choose because you’ll have to pay it to process a claim.
Drive a safe car. If you drive a car with high-quality safety equipment, you might qualify for discounts with some car insurance companies.
Cheapest liability-only car insurance in Davenport: State Farm
Most states require drivers to have liability insurance. Liability-only car insurance includes bodily injury and property damage insurance. Bodily injury liability covers the cost of the other driver’s medical bills if they’re injured in an accident you cause. Property damage liability covers others if you’re the at-fault driver and cause damage to another vehicle or property.
Liability-only car insurance doesn’t cover your injuries or damage to your vehicle if you cause an accident.
Liability-only car insurance in Davenport costs $206 per month, on average. The table below highlights the cheapest car insurance rates in Davenport for liability-only auto coverage.
Cheapest full-coverage car insurance in Davenport: State Farm
If you want to ensure you and your vehicle are covered in a car accident, you can purchase full-coverage car insurance. Full coverage typically includes collision and comprehensive insurance. Collision insurance covers the costs of damages to your vehicle if you crash into another vehicle or object. Comprehensive insurance covers you against non-collision events, such as theft or damages from a fire, flood, hail, or falling rock.
Full-coverage car insurance in Davenport, Florida, costs an average of $313 per month. Check out the following table for the cheapest full-coverage car insurance in Davenport.
Car insurance requirements in Florida
Florida drivers are required to carry a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) coverage. PIP insurance provides coverage for you and your passengers if you’re injured in an accident, regardless of who’s at fault.2 PDL insurance pays for damages you, or someone driving your car, cause to another person’s property.
Florida is one of 12 states with no-fault insurance laws.3 This means drivers have to file bodily injury claims with their own insurance agency, regardless of who caused the accident. In at-fault states, the driver who caused the accident is responsible for the other people’s injuries.
In Florida, you must have continuous coverage even if you aren’t driving your vehicle or it’s inoperable. You’re required to surrender your license plate before you cancel your car insurance.2
If you want to have extra protection, you can purchase additional insurance coverage, such as:
Cheapest car insurance for drivers with an incident
Your driving record is one of the factors that insurance companies consider when calculating your premiums.4 Incidents such as speeding tickets, driving under the influence, and at-fault accidents demonstrate a higher level of risk to insurers, which can cause your insurance rates to increase.
The table below shows how different driving incidents can affect your car insurance rates.
Average cost of car insurance by age
Teen drivers typically have higher insurance premiums. This is because they carry the highest level of risk. Young drivers between the ages of 16 and 19 have a fatal crash rate nearly three times as high as drivers 20 and older.5 Distracted driving, speeding, and a lack of experience are all factors that contribute to teen risk.
Insurance premiums tend to decrease around age 25 and stay consistent if you can maintain a clean driving record. Some insurance companies even offer discounts for senior drivers 55 and over.6 Then, around age 70, insurance rates start to increase again. People 70 and older may experience age-related changes that might affect their driving ability. This age demographic is also more likely than middle-aged drivers to die if they’re involved in a crash.7
The following table shows average monthly insurance quotes for Davenport drivers of different age groups.
Davenport car insurance quotes by credit tier
In the state of Florida, insurance agents can use customer credit histories, among other factors, to determine auto policy premiums. Excellent or good credit demonstrates that you’re more likely to make your monthly payments. Poor credit may indicate a higher level of risk to insurance companies.
Here are the average monthly quotes for each of the following credit tiers in Davenport, FL.
Davenport car insurance FAQs
If you’re shopping for car insurance in Davenport, Florida, this additional information may help as you research your coverage options.
How much is car insurance in Davenport?
Car insurance in Davenport costs an average of $206 per month for liability-only coverage and $313 per month for full coverage, according to Insurify data.
Who has the cheapest car insurance in Davenport?
State Farm has the cheapest car insurance in Davenport, with a monthly liability rate of $68. GEICO and Hugo also offer cheap liability-only coverage in Davenport, with monthly rates of $70 and $77, respectively. But the cheapest insurance company for you will depend on multiple factors, including your age, ZIP code, vehicle type, and chosen coverage levels.
What are the best car insurance companies in Davenport?
With a high Insurify Quality (IQ) Score, low rates, and superior financial strength ratings, State Farm is the best car insurance company in Davenport, FL. Other top insurers to consider include GEICO and Hugo.
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