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How much is car insurance in Berwyn?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $4 a month more expensive to insure your vehicle in Berwyn than it is in the rest of Illinois.
On the other hand, car insurance rates in Berwyn are more affordable than the national average. On average, it's about $28 less to insure your vehicle in Berwyn than it is in the rest of the U.S.
While these are the average car insurance rates for Berwyn, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've broken down average rates for Berwyn to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to increase again in Berwyn.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Berwyn totals about $12 a month. As you can see in the table above, female drivers in the area typically pay $45 on average, while female drivers typically pay $57 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Berwyn, a driving record with a single accident will usually get you a rate around $58 a month. Likewise, drivers with one ticket will be looking at a rate of around $51 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$46|
In terms of affordable coverage, the cheapest vehicles to insure in Berwyn are by and large trucks and vans, at $40 per month.
Car owners can expect to pay an average of around $56 a month for their policy, while SUVs usually cost around $48 a month to insure.
Your rates can also vary depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is around 5 years old. In Berwyn, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Generally, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Berwyn follows that pattern, with the difference totaling to around $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$59|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Berwyn. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Berwyn, IL
Recent trends in car insurance for Berwyn drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Berwyn, auto insurance rates went up from 2017-2018, but leveled out in 2021. Rates have been decreasing since then and recently reached a low of $39 per month in 2022.
How does Berwyn compare to neighboring areas?
Why are car insurance rates in Berwyn different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Number of car accidents
- Area laws
- Total number of drivers in the region
- Access to off-street parking
- Prevalence of crime
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 Berwyn?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Berwyn in no time.
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Berwyn Insurance FAQs
What factors affect car insurance quotes in Berwyn?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Berwyn different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Berwyn?
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 Berwyn?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Berwyn or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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