Danville, CA Car Insurance

What rates should residents of Danville expect to pay for their car insurance? How does Danville stack up to the rest of the area, or even California as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Danville?

Based on the above chart, auto insurance policies in Danville are about $7 a month cheaper than in the rest of California.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Danville is rather affordable. The average monthly payment in Danville is about $32 less than the rate for the rest of the United States.

While these are the average monthly costs for auto insurance coverage in Danville, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

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. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $8 more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Danville drivers may see their rates rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. While this isn't true in Danville, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay significantly less than those with infractions. In Danville, a driving record with a single accident will usually get you a rate around $59 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $65 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Danville are usually trucks and vans, with each type typically costing about $45 per month.

Car owners can expect to pay an average of around $48 a month for their policy, while SUVs usually cost around $52 a month to insure.

Vehicle age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Danville, the most expensive vehicles to insure are vehicles two-to-three years old and eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Danville is no exception, with the difference totaling to around $7 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $1 less than drivers who own property in Danville. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Danville, CA

Recent trends in car insurance for Danville drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Danville, car insurance rates increased from 2017-2018, when they hit a high of $55, but started to turn downward from 2019-2020. They finished up in 2022, at $50.

How does Danville compare to neighboring areas?

Why are car insurance rates in Danville different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. Where you live will also have a significant impact on your personal policy. This may include things like:

• Access to off-street parking
• Number of drivers in the community
• Area regulations
• Prevalence of crime
• Number of car accidents

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Danville?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing plans in Danville.

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Danville Insurance FAQs

What factors affect car insurance quotes in Danville?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Danville different from other neighboring cities?

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Danville?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Danville?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Danville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?