Cheapest Auto Insurance in Davenport, Florida (2026)

The average monthly cost of auto insurance in Davenport is $261, slightly higher than the state average of $184 and much higher than the national average of $136.

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.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
State Farm	9.3	$116	$106	Customer satisfaction
GEICO	9.2	$179	$158	Affordable rates
Hugo	6.3	N/A	$202	On-demand car insurance

Disclaimer: Table data sourced from real-time Davenport car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Davenport may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 customer satisfaction: State Farm

customer satisfaction

Compare Quotes

User Reviews	4.0 7,299 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$108/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$151/mo

Details

Driver Reviews

4.0

Best choice in Davenport, FLBased on 16,551 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Davenport for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Davenport for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Florida reviews for Davenport drivers - See all 7,299 State Farm reviews

Robert

Verified Review

State Farm

Reviewed in Florida on March 30, 2026

State Farm is expensive, and despite their plug-in for my car, they don’t offer any discounts. I have been with them for about 7 years, same vehicle, no tickets or accidents, and they won’t decrease my rate.

Peter

Verified Review

Had enough.

Reviewed in Florida on March 28, 2026

Overpriced, don’t receive proof of insurance card frequently, and do not give you a reminder until the last minute.

Sylvia

Verified Review

State Farm is too expensive!

Reviewed in Florida on March 28, 2026

I still have State Farm, but I'm looking for lower rates with full coverage! I received offers from Progressive, Allstate, and others using the same coverage specs, and prices were lower. I asked State Farm to review my rates and get them closer to the other car insurance offers. So far, I've not received any better offers.

James

Verified Review

State Farm is the best

Reviewed in Florida on March 27, 2026

State Farm auto insurance is about $2000 less per 6 months than my former insurance company (The Hartford), for the exact same coverage.

Jacquelyn

Verified Review

Evaluation

Reviewed in Florida on March 23, 2026

My local agent is great. The national level, not so much. I was in an accident two years ago and was told I would get no help from your company even though I was not at fault and the other driver was cited. I never got reimbursed for my expenses to get home to Florida from Virginia.

Barbara

Verified Review

Competitors Admit They Can’t Compete with SF Prices

Reviewed in Florida on March 22, 2026

Tap into discount advantages, open to questions, respectful, responds in a timely manner, knowledgeable.

Rebscca

Verified Review

State Farm

Reviewed in Florida on March 22, 2026

The folks at the State Farm office are awesome. However, the insurance is way too expensive.

Linda

Verified Review

Reasonable Rates

Reviewed in Florida on March 21, 2026

My current rate is much more reasonable than other companies.

Troy

Verified Review

Great service, price is a little high

Reviewed in Florida on March 21, 2026

It's a little expensive.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm has been in business for more than 100 years. Today, State Farm offers banking, investment, and insurance products, including auto insurance, motorcycle insurance, home insurance, life insurance, and small-business insurance. The company also has several discounts geared toward students, teen drivers, and safe drivers. State Farm took the top spot for overall customer satisfaction in Florida, according to J.D. Power’s 2023 U.S. Auto Insurance Study.

Pros

• Several discounts for drivers younger than 25

• Offers rideshare insurance

Cons

• Doesn’t offer gap insurance

• Might not be the cheapest insurance for drivers with violations

Best insurer for affordable rates: GEICO

affordable rates

Compare Quotes

User Reviews	4.0 7,536 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$123/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$212/mo

Details

Driver Reviews

4.0

Best choice in Davenport, FLBased on 16,802 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Davenport for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Davenport for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Florida reviews for Davenport drivers - See all 7,536 GEICO reviews

Pamala

Verified Review

Mostly Happy with Geico 😏

Reviewed in Florida on March 28, 2026

I have been very happy with Geico. They were there and insured me when everyone else wanted to charge me twice as much, and that was more than 5 years ago. My rates at one point were as low as $35 a month, and then all of a sudden they shot up to $55 to $58 a month with zero tickets, zero accidents, and zero claims, which is why I started shopping around. But to be perfectly honest, even though I can get insurance for $14 less a month on average, I think I'm going to stick with Geico because they were there when I needed a break, and that goes a long way with me.

Jeffrey

Verified Review

Dump Geico, Go to Progressive

Reviewed in Florida on March 28, 2026

Nice, no one calls me for anything, and they are very competitive on pricing. Good price for the money.

William

Verified Review

Excellent

Reviewed in Florida on March 26, 2026

I like them, but they're just too expensive.

Laura

Verified Review

Paying Too Much

Reviewed in Florida on March 21, 2026

Paying for a no-fault accident.

Gerald

Verified Review

Shop for insurance

Reviewed in Florida on March 21, 2026

Check around for lower prices.

Joseph

Verified Review

Great

Reviewed in Florida on March 21, 2026

Great customer support.

Jeff

Verified Review

Doubling my premium

Reviewed in Florida on March 20, 2026

I have GEICO. I had a very small accident and they doubled my insurance for two years. I don’t think that’s fair, considering I’ve had no claims in over 30 years.

Thelma

Verified Review

I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.

Reviewed in Florida on March 19, 2026

I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.

Patricia

Verified Purchase

I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.

Reviewed in Florida on March 12, 2026

I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO is a subsidiary of Berkshire Hathaway and has been in business since 1936. Today, GEICO offers a wide selection of insurance products, including homeowners insurance, renters insurance, property insurance, boat insurance, business insurance, and auto insurance. GEICO has strong customer service satisfaction ratings, tying for first place for usage-based insurance with Progressive and State Farm, according to J.D. Power’s 2023 U.S. Auto Insurance Study.

Pros

• A++ (Superior) financial strength rating from AM Best

• Wide selection of discounts

Cons

• Doesn’t offer gap insurance

• Doesn’t offer rideshare insurance

Best insurer for on-demand car insurance: Hugo

on-demand insurance

Compare Quotes

User Reviews	4.6 66 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	6.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$202/mo

Details

Driver Reviews

4.6

Best choice in Davenport, FLBased on 202 verified driver reviews and ratings

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Davenport for

Micropayments

No down payments

Fast coverage

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Davenport for

Micropayments

No down payments

Fast coverage

Showing recent national reviews - See all 66 Hugo reviews

Shelbi

Verified Purchase

Hugo Helps in a Flash

Reviewed in Illinois on March 21, 2026

I like that Hugo offers short-term plans. However, I wish they offered full coverage for vehicles.

Quincy

Verified Purchase

Great news

Reviewed in Pennsylvania on March 18, 2026

I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.

Angela

Verified Purchase

Affordable

Reviewed in Texas on February 2, 2026

Love that you can pay it freely by the day, week, or month.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Hugo is relatively new to the insurance scene, founded in August 2020 in Illinois. It launched in Florida in December 2021. With Hugo Insurance, you only pay for the days you drive. Hugo’s Flex Plan allows you to purchase insurance for the days, weeks, or months you intend to drive. You don’t pay for the days you don’t use. You can also purchase more robust insurance policies with Hugo’s Unlimited Basic and Unlimited Full plans.

Pros

• Short-term policies available

• Pay-as-you-drive liability insurance coverage

Cons

• Available in only 13 states

• No discounts, and coverage options are limited

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.

Find Cheap Car Insurance in Davenport, FL

Liability-only rates start at $68 per month

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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.

Insurance Company	Average Monthly Quote
State Farm	$68
GEICO	$70
Hugo	$77
Allstate	$119
Mile Auto	$129
Safeco	$139
Travelers	$141
Mercury	$152
Liberty Mutual	$159
Direct Auto	$163

Disclaimer: Table data sourced from real-time Davenport car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Davenport may vary based on the policy buyer's unique driver profile.

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.

Insurance Company	Average Monthly Quote
State Farm	$80
GEICO	$82
Hugo	$85
Allstate	$137
Travelers	$164
Mercury	$177
Mile Auto	$179
Safeco	$191
GAINSCO	$217
Liberty Mutual	$238

Disclaimer: Table data sourced from real-time Davenport car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Davenport may vary based on the policy buyer's unique driver profile.

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]

Coverage	Minimum Requirements
Personal injury protection	$10,000
Property damage liability	$10,000

If you want to have extra protection, you can purchase additional insurance coverage, such as:

• 

  Collision coverage

  Collision insurance covers damages to your car if you cause an accident with another vehicle or if you hit an object such as a pole or tree. It also covers rollover accidents and pothole damage.

• 

  Comprehensive coverage

  Comprehensive insurance covers your vehicle against non-collision damages, such as fire, hail, or falling rocks. It also covers your vehicle if it is stolen.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage protects you if you’re in an accident caused by an uninsured or underinsured driver.

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.

The below rates in Davenport, FL, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
Progressive	$100	$116	$126	$142
Mile Auto	$108	$127	$142	$157
State Farm	$108	$132	$139	$157
GEICO	$123	$155	$156	$177
Dairyland	$127	$153	$164	$184
Embark	$138	$160	$174	$196
Infinity	$140	$172	$176	$203
Mercury	$155	$209	$229	$234
Direct Auto	$156	$188	$208	$227
GAINSCO	$159	$182	$199	$231
The General	$167	$216	$225	$243
Bristol West	$180	$218	$231	$261
Root	$187	$241	$244	$272
Allstate	$188	$236	$246	$273
AssuranceAmerica	$192	$235	$249	$279
National General	$192	$230	$249	$279
Travelers	$224	$281	$295	$325
Mendota	$291	$338	$367	$413
First Acceptance	$305	$354	$385	$433
Liberty Mutual	$305	$374	$396	$443

Disclaimer: Table data sourced from real-time Davenport car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Davenport may vary based on the policy buyer's unique driver profile.

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.

Age	Average Monthly Quote
Teens	$481
20s	$357
30s	$311
40s	$300
50s	$279
60s	$259
70s	$269

Disclaimer: Table data is based on real-time Davenport quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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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