Updated April 2026
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What Affects Rates in Davenport
- I-74 and I-80 intersect in Davenport, carrying over 120,000 vehicles daily through the metro. DUI-SR-22 filers face higher premiums along these corridors due to elevated accident rates during peak commute hours, especially the I-74 bridge crossing into Illinois. Carriers factor in multi-vehicle collision frequency when pricing policies for Davenport residents who commute east into Rock Island or Moline.
- Scott County logged 63 thunderstorm wind events, 54 hail events, and 9 tornadoes over the last five years, including an EF-1 tornado in July 2024 that caused extensive tree and property damage in Davenport neighborhoods. Comprehensive coverage is more expensive here than in central Iowa, and SR-22 filers dropping comp to lower premiums face higher out-of-pocket risk during spring and summer storm seasons.
- Davenport has local agent access to Bristol West, Dairyland, The General, and GAINSCO, all of which write DUI-SR-22 policies. Mainstream carriers like State Farm and Allstate typically non-renew at policy term after a DUI conviction, pushing most filers into the non-standard market. Davenport's urban market supports competitive pricing among non-standard carriers, unlike rural Iowa where options thin out.
- Thousands of Davenport residents work in Illinois, and DUI convictions involving cross-border travel can trigger dual-state filing requirements or license holds in both states. Iowa requires SR-22 for two years minimum after DUI, but Illinois may impose separate filing obligations if the conviction occurred there. Verify filing state with the Iowa DOT and your attorney before purchasing coverage.
Find out exactly how long SR-22 is required in your state
Coverage Recommendations
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
SR-22 Insurance
Davenport filers must maintain continuous coverage for two years minimum; any lapse triggers Iowa DOT notification and immediate license suspension.
$145–$220/moEstimated range only. Not a quote.
Non-Owner SR-22
Common among Davenport residents who lost their vehicle to DUI impoundment or who rely on Citibus and Bettendorf Transit instead of owning a car.
$40–$70/moEstimated range only. Not a quote.
Liability Insurance
I-74 and I-80 multi-vehicle accidents regularly exceed minimum limits; Davenport attorneys commonly recommend 100/300/100 for DUI filers to protect assets.
$125–$200/moEstimated range only. Not a quote.
Comprehensive Coverage
Scott County's high frequency of hail and tornado events makes comp coverage expensive but valuable; July 2024 tornado caused significant vehicle damage in Davenport.
$35–$60/moEstimated range only. Not a quote.