Cheapest Auto Insurance in Davenport, Iowa (2025)
Drivers in Davenport will find the cheapest car insurance coverage from State Farm, with monthly liability-only rates as low as $26.
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Davenport drivers pay an average of $92 per month for car insurance. That’s a bit higher than the statewide average of $80 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 $64 per month for liability-only coverage and $119 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 $97 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 10 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 55,000 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
Best insurer for veterans: USAA
Best insurer for young drivers: GEICO
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.
Cheapest liability-only car insurance in Davenport: State Farm
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 State Farm, with monthly rates starting at $26.
The table below includes the average rates some insurance companies quote in Davenport for liability-only insurance.
Cheapest full-coverage car insurance in Davenport: State Farm
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.
State Farm has the cheapest full-coverage car insurance in Davenport, with rates as low as $42 per month.
The following table shows average quotes for full-coverage car insurance policies in Davenport.
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
You might want to consider these additional coverage options for more financial protection:
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.
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:
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
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 $119 per month for full coverage and $64 per month for liability-only coverage, according to Insurify data.
Who has the cheapest car insurance in Davenport?
State Farm, Auto-Owners, and USAA have the cheapest car insurance in Davenport. Their monthly liability-only rates start at $26, $43, and $45, 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.
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