Davenport drivers on the Santa Cruz County coast can compare free car insurance quotes from several California carriers in one simple request.
How Much Does Car Insurance Cost in Davenport?
Davenport has the shortest commute in Santa Cruz County, about 19 minutes, and that usually means lower annual mileage, which Prop 103 weighs heavily. Vehicle theft across the county is also low at about 1.4 per thousand people, compared with 3.2 statewide.
| Factor | Davenport | California |
|---|---|---|
| Average commute | 19 min | 29 min |
| Homes with 2+ cars | 55% | 63% |
| Car thefts per 1,000 (Santa Cruz County) | 1.4 | 3.2 |
| ZIP codes | 1 |
Why Davenport Drivers Compare Quotes With A1
Carriers weigh mileage, driving record and experience differently, so the same low-mileage coastal driver can get quite different prices. A1 is independent and compares quotes from several California carriers, so you can see those differences without calling around yourself.
About Davenport, California
Davenport is a small coastal community of about 537 people spread over under 3 square miles, sitting at roughly 259 feet of elevation. Most people here still drive alone to work, but only about 48% do, well below the state figure of 67%. About 5% work from home, and a small share of households, around 4%, have no vehicle at all.
- County
- Santa Cruz County
- Population
- 537 (Census est.)
- Major routes
- SR-1
Driving in Davenport: What to Know
State Route 1 is the main road through Davenport, so many local trips start and end on a single coastal highway. The average commute of about 19 minutes is far under the state average of 29, which can help keep yearly mileage down. Still, about 55% of households have two or more vehicles, so many families insure more than one car. Because CHP patrols the highway and the county sheriff covers the community, a clean record and accurate mileage on your policy matter a lot.
State highways through or near Davenport:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Davenport
The nearest DMV office is Capitola DMV at 4200 Capitola Road, about 13 miles away. That is a real drive from Davenport, so check whether your renewal or registration task can be done online before you go, and plan the trip if you need an in-person visit.
Nearest DMV: Capitola
4200 Capitola Road, Capitola, CA 95010
About 12.8 miles from Davenport
California Car Insurance Rules for Davenport Drivers
With short commutes, many Davenport drivers may qualify for the Good Driver Discount of at least 20%, so keep your record clean. Report your mileage honestly, since insurers must weigh it heavily and a low number can lower your price.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Davenport ZIP Codes and Nearby Areas
ZIP codes in Davenport:
Nearby cities and communities:
Davenport Car Insurance FAQ
Does my short Davenport commute lower my car insurance?
It can. Annual mileage is one of the top factors under Prop 103, and a commute of about 19 minutes is well under the state average of 29.
Does Davenport's car theft rate make insurance cost more?
Countywide theft is low, about 1.4 per thousand people against 3.2 for California. Comprehensive coverage is still worth pricing, since it also covers fire, flood and vandalism.
How do I get quotes if the DMV is so far away?
You can request quotes from A1 by phone, text or the online form, with no trip needed. Quotes are free, and A1 compares several California carriers for you.