Cheapest Car Insurance Quotes in Davenport Center

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Davenport Center Car Insurance

^$ 39

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Davenport Center

The car insurance rate in Davenport Center is $1019 for a six-month policy, which is $139 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $486, making it a popular choice for budget-conscious drivers. Rates in Davenport Center can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Davenport Center

$1019

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Davenport Center

1st place: Kemper

At $486 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $643 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $685 for six months, making it the third cheapest auto insurance company in Davenport Center.

Davenport Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Davenport Center, NY is Kemper, offering policies at just $486 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $643.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1563 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Davenport Center drivers find the best deals.

Cheap Car Insurance Companies in Davenport Center, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$486	$83
New York Central Mutual Fire	$643	$107
Progressive	$685	$115
American Family	$752	$127
NYCM	$910	$153
USAA	$1008	$170
Erie	$1030	$173
Nationwide	$1124	$187
Travelers	$1145	$193
State Farm	$1364	$230
Allstate	$1526	$257
Chubb	$1563	$260

Key Takeaways

Way's key takeaways about car insurance in Davenport Center

The auto insurance costs in Davenport Center fall around $486 for six months.
The cheapest auto insurance company in Davenport Center is New York Central Mutual Fire.
Teen drivers pay the highest rate in Davenport Center at $786 per month.

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Cheapest Minimum Liability Car Insurance in Davenport Center

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Davenport Center are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Davenport Center. Their Average 6 Month Premium is $230. Preferred Mutual is the most expensive at $606 for the same period.

Cheapest Liability Coverage in Davenport Center, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$230	$39
NYCM	$272	$45
Kemper	$282	$48
American Family	$340	$57
Progressive	$350	$59
USAA	$450	$76
Erie	$554	$94
Travelers	$596	$99
Allstate	$638	$108
State Farm	$679	$114
Nationwide	$439	$73
Utica National	$502	$85
Preferred Mutual	$606	$101

Cheapest Full Coverage Car Insurance in Davenport Center

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Davenport Center is Kemper at $83 per month and $486 for six months.

Cheapest Full Coverage Car Insurance Quotes in Davenport Center, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$486	$83
New York Central Mutual Fire	$643	$107
Progressive	$685	$115
American Family	$752	$127
NYCM	$910	$153
USAA	$1008	$170
Erie	$1030	$173
Nationwide	$1124	$187
Travelers	$1145	$193
State Farm	$1364	$230
Allstate	$1526	$257
Chubb	$1563	$260

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Average Car Insurance in Davenport Center by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Davenport Center, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Davenport Center, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Davenport Center's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Davenport Center

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Davenport Center,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Davenport Center at $56 per month. At $4668 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$329	$56
American Family	$397	$67
NYCM	$878	$148
Progressive	$1082	$182
New York Central Mutual Fire	$1145	$194
Erie	$2201	$367
USAA	$2420	$407
Travelers	$3183	$536
Nationwide	$3314	$563
Chubb	$3471	$578
Allstate	$3993	$672
State Farm	$4668	$786

Teen Car Insurance Rates in NY by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Davenport Center, Kemper is the cheapest car insurance provider. At $737 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Davenport Center is Progressive, offering rates of around $4417 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$737	$123
Nationwide	$1124	$191
Chubb	$1333	$224
USAA	$1620	$275
Erie	$1725	$290
American Family	$1751	$297
NYCM	$1961	$326
Allstate	$2138	$360
Mercury	$2180	$363
State Farm	$2253	$379
Travelers	$2608	$439
Progressive	$4417	$744

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Save up to $971/yr on car insurance rates in Davenport Center.

Car Insurance Rates with An Accident in Davenport Center

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Davenport Center, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Davenport Center

The cheapest car insurance companies after an at-fault accident in Davenport Center include Kemper and American Family, offering $407 and $418, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $507.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$407	$68
American Family	$418	$70
Progressive	$643	$108
NYCM	$654	$110
New York Central Mutual Fire	$774	$129
USAA	$878	$148
Erie	$1124	$189
Chubb	$1275	$215
Allstate	$1375	$231
Travelers	$1417	$238
Nationwide	$1485	$247
State Farm	$1735	$292
Utica National	$502	$85
Preferred Mutual	$507	$84

Davenport Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Davenport Center NY. For example, the car insurance in Davenport Center after a DUI increases to $627 for a six month policy. While the rate increases by $99 for a six-month policy in the case of a speeding ticket.

Davenport Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1103	$184
One Med/PIP claim	$1103	$187
One comp claim	$1113	$186
Two comp claims	$1124	$191
Two Med/PIP claims	$1124	$187
Not-at-fault accident	$1129	$192
Failure to show documents	$1145	$191
Failure to wear a seat belt	$1150	$195
Driving with expired registration	$1161	$194
At-fault accident - less than $1000	$1166	$198
Cell phone violation	$1166	$194
Child safety restraint	$1166	$198
Driving without lights	$1166	$194
Failure to stop at a red light	$1166	$198
Failure to yield	$1166	$194
Following too closely	$1166	$198
Illegal turn	$1166	$194
Improper passing	$1166	$198
Passing school bus	$1166	$194
Texting while driving	$1166	$198
Wrong way/wrong lane	$1166	$194
Driving too slowly	$1177	$200
Speeding in school zone	$1177	$196
At-fault accident - $1000-$2000	$1181	$201
Speeding 11 - 15 MPH over limit	$1202	$201
Speeding 6 - 10 MPH over limit	$1202	$204
Operating a vehicle without permission	$1223	$204
Open container	$1239	$210
In 65 MPH zone	$1291	$216
Speeding 16 - 20 MPH over limit	$1307	$223
Speeding 21 - 25 MPH over limit	$1353	$225
At-fault accident - greater than $2000	$1458	$248
Reckless driving	$1558	$260
Racing	$1620	$275
Driving with a suspended license	$1678	$280
Refusal to submit to a chemical test	$1714	$291
DUI	$1730	$289
Leaving scene of an accident/hit and run	$1756	$298

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Davenport Center after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Davenport Center.

The cheapest car insurance premiums in Davenport Center are offered by American Family at $397 for a six-month policy. However, it can be as expensive as $1961 with companies like Chubb.

Davenport Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$397	$67
Kemper	$418	$71
Progressive	$539	$91
NYCM	$816	$137
New York Central Mutual Fire	$941	$157
USAA	$1072	$180
Travelers	$1401	$236
Allstate	$1657	$279
Erie	$1709	$285
Nationwide	$1856	$316
State Farm	$1950	$328
Chubb	$1961	$334

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Davenport Center are offered by American Family at $350. However, it can be as expensive as $2232 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Davenport Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$350	$58
Kemper	$350	$60
Progressive	$507	$85
NYCM	$821	$140
USAA	$951	$158
Erie	$1113	$189
Nationwide	$1124	$187
Travelers	$1296	$220
State Farm	$1568	$261
Chubb	$1856	$316
Allstate	$2232	$372

Car Insurance Price Trends in Davenport Center, New York

Car insurance rates in Davenport Center have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Davenport Center rose by $242 in January compared to $217 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the Davenport Center dipped to $70 in January, compared to $75 in December. This represents an decrease of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Davenport Center?

The car insurance in Davenport Center is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Davenport Center?

The cheapest car insurance in Davenport Center is $83 per month for full coverage.

How much is car insurance in Davenport Center for teenagers?

Car insurance for teenagers costs $329 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Davenport Center?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $171 per month to insure your car in Davenport Center.

Is car insurance expensive in Davenport Center?

Car insurance can be expensive in Davenport Center if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Davenport Center can be affordable.

Cheapest Car Insurance Quotes in Davenport Center

Why you can trust Way?

How Much Is Car Insurance in Davenport Center

Avg. Car Insurance in Davenport Center

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Davenport Center

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Davenport Center Car Insurance Rates by Company

Cheap Car Insurance Companies in Davenport Center, NY

Way's key takeaways about car insurance in Davenport Center

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Davenport Center

Cheapest Liability Coverage in Davenport Center, NY

Cheapest Full Coverage Car Insurance in Davenport Center

Cheapest Full Coverage Car Insurance Quotes in Davenport Center, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Davenport Center by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Davenport Center, NY increasing?

Car Insurance Premiums by Age in Davenport Center

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Davenport Center,NY

If you are in your twenties N/A is the best choice for car insurance in Davenport Center.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Davenport Center

Cheapest Car Insurance Companies after an At-Fault Accident in Davenport Center

Davenport Center Car Insurance Rates by Violation

Davenport Center auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Davenport Center after a DUI

Davenport Center car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Davenport Center after Speeding ticket

Car Insurance Price Trends in Davenport Center, New York

Average Car Insurance Cost in Davenport Center by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Davenport Center, NY

Car Insurance Rates by State in the USA (2025 Update)

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