What is the Average Cost of Car Insurance in Davenport?

Just as you make your mortgage or rent payments every month, you’ll also have to pay for vehicle insurance that you hope you’ll never need to use. A small part of your mind might even harbor the question, “Why even have insurance if I’m not going to use it?”

Simply put, you never know if you’re going to get into an accident or not. While you may follow all driving rules and laws, you may encounter someone who ignores them, or who is inexperienced on the road. And that doesn’t necessarily mean that they will be at fault in an accident. It could just as easily mean that their inattention causes you to be found at fault in an accident.

The most recent population estimate showed around 101,600 people living in Davenport, IA. The average travel time for commuters was 18.4 minutes, which is shorter than the national average of around 26 minutes. Vehicle thefts in the local metro area (Davenport-Moline-Rock Island; in Iowa and Illinois) were 1,227 as of 2018; the rate was 321.67 per 100,000 vehicles and the area was ranked #75 overall for number of thefts.

Keep in mind, paying the smallest annual amount you can for your vehicle’s coverage may be smart in the short-term but, if you are unfortunate enough to get into a collision with someone who is uninsured or underinsured, you’ll take the financial hit. That’s why it can be a better idea to pay more now so that you don’t end up paying more later.

How Much Car Insurance Coverage Do I Need in Davenport

Car insurance rates in Iowa vary by area. In some communities, the annual premium is much higher because of various factors the insurance company associates with risk and the likelihood that they will have to pay out for a claim. The type of insurance also affects what you’ll pay, with the minimum coverage costing the least.

Again, it isn’t always best to choose the cheapest annual rate. While the minimum coverage required by the state may look much more attractive because it is inexpensive, you may want to consider collision or comprehensive coverage to make sure your assets are protected in case of a bad accident.

Liability doesn’t cover your losses. It covers those of the person you hit, especially if you are found to be at fault in the accident. This is the 50/100/50 coverage that protects the other driver and covers repairs up to a certain limit. It also covers medical care should the other driver be injured. However, it won’t extend to cover all costs.

In Iowa, minimum liability insurance coverage includes $20,000 of coverage for bodily injury to a single person, $40,000 of coverage for injury to multiple people in a single accident, and $15,000 of coverage for property damage caused by an accident.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Davenport by Insurer

Several insurance companies operate in Iowa. Some are known throughout the nation while others are specific to the state. They will offer full coverage, minimum liability required under Iowa law, and many other types of coverage and addons for those who are looking to better protect their assets. You don’t want to be harmed financially in any accident, whether it’s your fault or not, but you should also consider the customer service and look at reviews of any company you consider before signing up for their coverage plan.

Are you looking for a cheap car insurance quotes? Compare rates for all companies here.

Low Cost Auto Insurance for Bad Credit in Davenport

If you have poor credit history, insurance companies may increase your rates even if your driving record is good. They decide everything based on risk and customers with poor credit are considered a greater risk by some companies, so they increase their prices for these customers in order to protect themselves. However, that doesn’t mean there aren’t good deals available for you, you might just have to look a little harder.

Find out the which auto insurance company has the lowest rates for poor credit drivers.

Full Coverage Vs. Liability, Which is Best For You?

What is Liability Only Insurance Coverage?

Liability-only coverage means that you are only paying to cover the cost of damage that you do to other people and their property in the event you are at fault in an accident. It covers the costs of medical bills for people you injure or repair costs for property you damage.

It is a good idea to carry more liability insurance than these minimum amounts required by the state of {location-state} because you will be personally financially liable if you are in an accident and cause more damage to people or property than the state’s minimum required coverage levels.

What is Full Coverage Car Insurance?

Full coverage insurance not only covers the cost of the people and things you might harm when you are in an accident that is your fault. It also covers the cost of any repairs that your property or vehicle might need if you are in an accident that is your fault.

There are two main types of coverage beyond liability coverage:

Collision – This type of insurance covers the cost of repairs to your vehicle or your property that you might damage in an accident in which you are at fault.

Comprehensive – This type of insurance covers the repair costs for your vehicle when one of those unusual things happen that are outside of your control, like weather-related damage to your vehicle, theft, vandalism, and deer stepping in front of your vehicle as you drive.

Difference Between the Two Types of Coverage

The difference between full and liability coverage is quite dramatic. With liability, insurers gamble that they will only have to pay for one car in an accident. With a comprehensive or full coverage policy, insurance companies know that they are taking on more liability exposure and so their rates reflect the increased risk. In the case of a comprehensive policy, they might even have to cover claims for damages that don’t arise from a traffic incident.

Average Annual Car Insurance Rates in Iowa by City

Additional cities in Iowa you can check out.

Sioux City

Take Advantage of These Car Insurance Discounts

Find additional ways to save on your Davenport car insurance premiums with these insurance discounts:

  • Raise your deductible

    If you are willing to pay more money for a deductible, in the event of an accident, then you can lower your insurance rates substantially. You can lower your premium to around 10% just by raising your deductible to around $1,000.

  • Drop Collision Coverage on Old Cars

    Dropping collision coverage on older cars can really help save you a lot, especially for cars that are more than ten years old and only worth four or five thousand dollars. Think about it, if you have an accident while driving an older car, are you really going to pay to repair it or just buy a new car?

  • Check Insurance Rates for Your Car’s Make and Model

    The make and model of your car can make a big difference in how much you pay for auto insurance. Therefore, before purchasing a new car, be sure and check the insurance rates for it as some can be much higher than others.

  • Shop Around to Check Rates from Numerous Insurance Companies

    The chart in this article should be enough proof to know that there can be a big difference in what various insurance companies charge for auto insurance. That is why it is a good idea to check rates from a number of insurance companies before deciding which plan to choose.

  • Drive Fewer Miles

    One of the questions asked when applying for auto insurance rates, is how many miles you drive regularly. This is because the more miles you drive, the more risk you are to the insurance company and the higher your insurance cost will be. Try to drive fewer miles, if possible, to save more money on your premiums.

  • Maintain a Good driving record

    Being a safe driver can not only save your life, but it can also save you a lot of money, too. There is a big difference in how much people with accidents on their record have to pay, and what those without any accidents pay. Therefore, always drive safely.

  • Live in a less populated area

    Your location matters when it comes to auto insurance rates. If you live in a highly populated area, your rates will be higher than if you live in a lower-population area. The Jefferson and New Orleans areas have some of the highest rates in Louisiana, but if you live just 30 minutes outside of the city, you can expect your rates to go down.

Use our guide to find discounts and lower your insurance premium costs.

Davenport IA Car Insurance Premiums Cost – What Affects Your Rates?

There are many factors that affect your insurance rates, number one being your driving record and whether or not you have had previous accidents where you were at fault. Other things that can affect the amount you will have to pay for auto insurance are:

  • The company that ensures you
  • Not only the city and state you live in but the area (zip code) you reside in as well
  • Your age
  • Whether you are male or female
  • Your earnings
  • Marital status
  • Your credit score
  • Speeding tickets or other tickets you have incurred
  • How many years of driving experience you have
  • How many miles you drive regularly, including your commute to work
  • The year, make, and model of your vehicle
  • Where you park your car when not in use

If you have a bad driving record and need cheap insurance, compare rates here.

Helpful Davenport, Iowa Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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