Best Davenport, IA Auto Insurance in 2024 (Your Guide to the Top 10 Companies)

The best Davenport, IA auto insurance is State Farm, followed closely by Progressive and American Family for their affordable pricing and excellent coverage.

Cheap auto insurance companies like State Farm offer some of the most affordable rates, with premiums as low as $27/month, making them a favorite for budget-conscious drivers.

Our Top 10 Company Picks: Best Davenport, IA Auto Insurance

State Farm shines with its overall service and large agent network, while Progressive leads among the best options for at-risk drivers looking for a variety of flexibility. Enter your ZIP code to start comparing total coverage auto insurance rates.

#1 – State Farm: Top Overall Pick

Pros

• Competitive Rates: State Farm offers affordable auto insurance options for Davenport, IA, drivers, making it a great choice in Iowa’s market.
• Superior Customer Service: Consistently high ratings for customer satisfaction in Davenport, IA. Check out our State Farm auto insurance review to learn more.
• Comprehensive Coverage Options: Iowa drivers can customize coverage to include add-ons like rental car reimbursement and roadside assistance.

Cons

• Limited Discounts: Fewer discounts for Davenport, IA, drivers than competitors, potentially impacting savings.
• Average Mobile App: The app’s functionality is less robust than competitors, affecting online service access in Iowa.

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#2 – Progressive: Best for High-Risk Drivers

Pros

• Flexible Payment Plans: In Davenport, IA, residents can use Progressive’s budget-friendly payment options. Explore our Progressive auto insurance review to get more details.
• Snapshot Program: Drivers in Iowa can save significantly through usage-based discounts, rewarding safe driving habits.
• Strong Online Tools: Progressive’s digital tools and Davenport Iowa car insurance quotes online to simplify the auto insurance process.

Cons

• Higher Rates for Teen Drivers: Young drivers in Davenport, IA, may face steeper premiums than other providers.
• Claims Process can be Slower: Some Iowa policyholders report longer wait times for claim resolutions.

#3 – American Family: Best for Personalized Service

Pros

• Local Agents Available: Davenport drivers are assigned to dedicated local agents who provide personalized support.
• Great Discounts: Davenport, IA drivers benefit from discounts, including multi-policy and safe drivers.
• Customer Satisfaction is High: The feedback policyholders in Iowa give are consistently positive, which makes it trustworthy.

Cons

• Less Accessibility: It isn’t as widely offered as more common insurers, which can limit coverage options for Davenport, IA, citizens.
• Older-Car Premiums: Drivers with an older vehicle may pay more than those for a newer car in Iowa. Read our American Family auto insurance review to find out more.

#4 – Allstate: Best for Coverage Bundling

Pros

• Strong Bundling Discounts: In Davenport, IA, customers can save on auto insurance by bundling with home or renters policies.
• Multiple Coverage Options: Iowa drivers can access comprehensive coverage add-ons like accident forgiveness.
• Useful Mobile App: The Allstate app is well-rated for managing policies, claims, and roadside assistance in Iowa. Discover our Allstate auto insurance review for further insights.

Cons

• Higher Premiums for Low-Mileage Drivers: Drivers in Davenport, IA, who don’t drive frequently may find better rates elsewhere.
• Mixed Reviews on Claims Service: Some Iowa customers report inconsistent experiences with Allstate’s claims process.

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#5 – Geico: Best for Personalized Experience

Pros

• Local Support: Drivers in Davenport can get personalized help from a local agent. For more information, browse our Geico auto insurance review.
• Great Range of Discounts: Davenport, IA drivers can save with various discounts, from safe driver to multi-policy.
• Excellent Customer Service: Policyholders in Iowa are consistently happy with the services provided, making the companies trustworthy.

Cons

• Limited Availability: Not as common as other insurance providers, which can leave fewer options for those living in Davenport, IA.
• Rate Hike for Older Cars: Drivers with an older car in Iowa may pay more than if they had a newer vehicle.

#6 – Farmers: Best for Personalized Policies

Pros

• Strong Customer Service: Iowa drivers in Davenport appreciate Farmers’ responsive and personalized agent support.
• Customized Coverage Options: Drivers can tailor policies to their needs, including unique options like glass repair.
• Safe Driver Discounts: In Davenport, IA, residents are rewarded with discounts for maintaining good driving records.

Cons

• Higher Rates for New Drivers: Farmers charge more for new and younger drivers in Iowa. For additional details, refer to our Farmers auto insurance review.
• Limited Online Tools: Less intuitive digital tools may frustrate tech-savvy Davenport, IA, policyholders.

#7 – Erie: Best for Comprehensive Coverage

Pros

• Excellent Customer Satisfaction: Davenport, IA, policyholders praise Erie for its efficient claims service and support.
• Accident Forgiveness: Iowa drivers can benefit from accident forgiveness, which prevents rate increases after one at-fault accident.
• Competitive Premiums: Offers affordable rates for full coverage in Iowa, especially for multi-car policies. Visit our Erie auto insurance review to get the full scoop.

Cons

• Limited Availability: Erie’s coverage is not as widely available in all parts of Iowa, which may restrict access in Davenport.
• Fewer Digital Features: Iowa customers may find the mobile app lacking compared to competitors.

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#8 – Liberty Mutual: Best for Custom Coverage

Pros

• Flexible Policy Options: Drivers in Davenport, IA, can easily adjust coverage limits to fit their needs. To learn more, have a look at our Liberty Mutual auto insurance review.
• Strong Discounts: Various discounts are available for safe drivers, students, and multi-car households in Iowa.
• Convenient Online Tools: Iowa policyholders can access a user-friendly platform to manage policies and claims.

Cons

• Higher Rates for High-Risk Drivers: Drivers with prior accidents in Davenport, IA, may face higher premiums.
• Limited Local Agents: Fewer physical locations in Iowa are available for those who prefer face-to-face interactions.

#9 – The Hartford: Best for Senior Drivers

Pros

• Tailored Policies for Seniors: The Hartford offers specific policies that cater to older drivers in Davenport, IA.
• Excellent Roadside Assistance: Iowa drivers can rely on prompt, comprehensive roadside services.
• AARP Discounts: Seniors in Davenport, IA, can save with exclusive discounts through AARP membership. Consult our The Hartford auto insurance review to learn more.

Cons

• Higher Rates for Younger Drivers: Iowa drivers under 50 may find rates less competitive.
• Limited Mobile Features: The mobile app lacks some advanced functionalities in competitors’ apps.

#10 – Nationwide: Best for Multi-Policy Discounts

Pros

• High Bundling Discounts: Davenport, IA customers receive $981 in bundling discounts on auto and home; a life insurance policy is also available for a discount.
• On Your Side Review: Iowa policyholders enjoy an annual, customized policy review for maximum coverage.
• Telematics: Get discounts with SmartRide for safe driving behavior in Davenport, IA. Read our Nationwide auto insurance review for more insights.

Cons

• Limited Local Offices: Iowa has fewer physical offices, which may not work for everyone who would prefer to meet in person.
• Inconsistent Customer Support: Some Davenport, IA, drivers report DIY auto purchase assistance.

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Cars Insurance in Davenport, IA

Various car insurance in Davenport, IA, offer competitive rates, such as Allstate, American Family, Erie Insurance, and more. Many of these companies also provide a switching provider, which can help new customers save even more on their premiums.

Davenport, IA Auto Insurance Monthly Rates by Provider & Coverage Level

American Family and State Farm offer some of the lowest rates available in Davenport. However, a low monthly rate doesn’t necessarily mean great customer service or a smooth, easy-to-navigate claims process. 

Auto Insurance Discounts From the Top Providers in Davenport, IA

 

Make sure you research your company of choice before you sign on the dotted line. Auto insurance carriers contemplate different variables when figuring out Davenport, IA auto insurance quotes, including driving experience, where you live, credit score/rating, miles driven each year, and multiple cars and drivers. 

Additionally, premiums differ among car insurance companies in Davenport, Iowa. To verify that you’re still being charged the most favorable rate, compare cheap car insurance in Iowa online.

Auto Insurance Coverage Requirements in Iowa

Unlike most states, Iowa drivers only need Bodily Injury Liability to drive legally. However, this is just one of the many types of auto insurance coverage available.

This coverage only pays for medical expenses if you cause an accident; anything beyond that will be your financial responsibility. Exploring other types of auto insurance coverage can help protect you from additional out-of-pocket costs.

Davenport, IA Minimum Auto Insurance Coverage Requirements

 

Your average Iowa driver pays around $88 monthly on their premiums. This is good, but Davenport drivers can get as low as $27/mo* if they know what discounts to look for. Keep reading below to find out what those are.

Major Factors in Cheap Car Insurance in Davenport, Iowa

Various things may factor into the rate quotes you obtain. Although many of these factors aren’t something you can control, a few are elements you can change for the better.

For example, opting for comprehensive and collision coverage can impact your premium, as these coverages provide extra protection in case of accidents, theft, or other damages. Here are a few additional factors that can alter your car insurance premium:

Your ZIP Code

Where you park your car, each night will significantly impact your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars mean a smaller chance that you will get into a collision with another vehicle. 

Davenport, IA Auto Insurance Monthly Rates by ZIP Code

 

The population of Davenport is 102,157, and the median household income is $45,034.

Automotive Accidents

If you live in a high-traffic area notorious for motor vehicle accidents, your monthly premiums will likely reflect this danger through a higher payment. You can see the fatal accident statistics for Davenport in the chart above. 

Davenport, IA Fatal Accidents

 

Only seven fatalities were recorded in 2013, which is very low compared to some areas, but auto insurance agencies in Davenport, Iowa, may still adjust their rates accordingly.

Auto Thefts in Davenport

Finding cheap car insurance in Iowa can be difficult if you are at risk for auto theft. 

Davenport, IA Auto Insurance Monthly Rates by Provider & Coverage Type

 

Certain popular vehicle models and vehicles parked often in large cities are attractive to thieves. In 2013, the total number of stolen vehicles in Davenport was 239.

Your Credit Score

Depending on your credit, a poor score can nearly double your monthly rate. Luckily, Iowa’s average insurance rates are fairly low, so it may not break your budget. 

Davenport, IA Auto Insurance Monthly Rates by Credit Score

And some local providers still offer low rates despite poor credit.

Your Age

The younger you are and the less experience you have behind the wheel, the more likely you will get into an accident. 

Davenport, IA Auto Insurance Monthly Rates by Age

 

However, teenage drivers can reduce some of their insurance costs by looking into good student discounts and taking driver’s Ed and defensive driving courses.

Your Driving Record

The more violations you have on your record, the more likely you are to file a claim – which will lead Davenport, IA, auto insurance companies to charge you higher premiums. 

Davenport, IA Auto Insurance Monthly Rates by Provider & Driving Record

However, if you have too many citations or commit a serious violation—such as a DUI—you may lose your coverage.

Your Vehicle

Luxury vehicles will cost more to replace and require more coverage, hence the extra expense. 

Davenport, IA Auto Insurance Monthly Cost by Make & Model

 

However, less expensive and fairly common cars typically don’t cost as much to insure.

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Minor Factors in Cheap Auto Insurance in Davenport, IA

The factors below may also influence your monthly premium, although they might be harder to control. Additionally, the auto insurance coverage options you choose, such as adding extra protections or limits, can significantly affect your rates.

Your Marital Status

If you are part of a married couple, there’s good news: you can save money on your automotive insurance policies if you bundle them together. As individuals, however, you won’t save much being married vs. single.

Your Gender

Insurance company data shows that there isn’t a big difference in risk from one gender to another. Most major providers no longer charge different rates based on gender. However, the few companies that still do only charge about a 2-3% difference. 

Davenport, IA Report Card: Auto Insurance Premiums

 

Whether or not that difference punishes males or females largely depends on the company that provides the policy.

Your Driving Distance to Work

You can expect to be on the road for about 12-19 minutes each time you commute to and from work in Davenport. Many drivers (as much as 80%) will likely drive to work in their vehicle. Less than 16% will carpool with one or more co-workers.

If your vehicle is listed on your insurance policy as a business vehicle, you can expect to pay around 10% more, regardless of how often you drive each year. Total miles driven and your purpose on the road (work/school/pleasure) won’t alter your monthly premiums by more than 1-2%.

Your Coverage and Deductibles

Talk to your insurance provider about raising your deductible to increase your coverage without breaking the bank. 

Davenport, IA Auto Accident & Insurance Claim Statistics

This will lower your monthly Davenport, IA, auto insurance rates while making coverage more affordable. Of course, it will also make repairs and costs more expensive if you ever have to file a claim.

Education in Davenport, IA

Many motorists in Davenport have attained at least a high school diploma, while fewer drivers have not yet completed their high school education. If you fall into either of these categories, you’ve probably weighed the pros and cons of higher education.

But there is one more benefit to consider: obtaining a higher education can lower your automobile insurance rate in Davenport, IA. Not even having a fancy job or a rich salary can do that.

 

Davenport is home to Palmer College of Chiropractic, a famous school that trains students to become expert chiropractors. Two private, Catholic-affiliated schools, Marycrest International University and St. Ambrose, are also within reasonable driving distance of the city. Additionally, about a dozen different two—and four-year colleges are within reasonable driving distance of the city.

Unfortunately, for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance.

It is crucial to compare auto insurance companies to see which ones offer the most affordable options for your needs to get the best rates. Make sure you do your due diligence before you commit to your next car insurance policy. Today, explore your auto insurance options by entering your ZIP code into our free comparison tool.