Table of contents
How much is car insurance in Danville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $7 a month cheaper to insure your vehicle in Danville than it is in the rest of California.
Likewise, the expected monthly payments for an auto insurance policy in Danville are below the national average. It's about $31 cheaper to insure your vehicle in Danville compared to the average rate for the United States as a whole.
Although these are the average monthly costs for an auto insurance policy in Danville, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down average rates for Danville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may climb back up a bit in Danville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in Danville is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Danville, drivers with one accident on their record will experience rates around $58 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $140.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$48|
As you can see in the first table above, the cheapest vehicles to insure in Danville are usually trucks and vans, which run about $46 per month.
Car owners will see a monthly premium of about $48, while SUV owners typically pay around $53 a month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Danville are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$51|
More often than not, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
In Danville, the difference in rates based on relationship status can be as much as $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
Another factor that comes into play is your housing situation. Homeowners and renters alike can expect to pay about $46 per month for coverage in Danville.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Danville, CA
Recent trends in car insurance for Danville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The rates for car insurance in Danville decreased from 2016-2017 -- where they hit a low of $43 -- before steadying out in 2018. Policy premiums decreased again in 2019, and finished up at $46 in 2021.
How does Danville compare to neighboring areas?
Why are car insurance rates in Danville different from other areas?
Car insurance companies look at many factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Road Safety (frequency of local car accidents)
- Number of drivers in the community
- Local laws
- Access to off-street parking
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Danville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in Danville in no time.
Danville Insurance FAQs
What factors affect car insurance quotes in Danville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Danville different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Danville?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Danville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Danville or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.