Table of contents
How much is car insurance in Berwyn?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Berwyn as it does in the rest of Illinois.
If you're thinking of moving to Berwyn from out of state, you may still be in luck. It's about $27 cheaper to insure your vehicle in Berwyn compared to the average rate for the United States as a whole.
Keep in mind that these are the average auto insurance rates for Berwyn, and that the rate you get could end up being something different. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Berwyn 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may rise again in Berwyn.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in Berwyn is about $11 per month. As you can see in the table above, female drivers in the area typically pay $46 on average, while female drivers typically pay $57 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Berwyn, having a single accident on your record will usually get you rates around $57 a month. In addition, drivers with one ticket can expect to pay around $60 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$46|
The cheapest vehicles to insure in Berwyn are usually trucks and vans, with each type typically costing about $41 per month.
Car owners will see a monthly bill of about $57, while SUV owners by and large pay around $49 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. In Berwyn, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
More often than not, married policyholders will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Berwyn can be as much as $19 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$59|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $10 a month more than homeowners in Berwyn. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Berwyn, IL
Recent trends in car insurance for Berwyn drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of insurance in Berwyn had been decreasing from 2016-2017, before steadying out in 2018. Rates finished down in 2021, at $58 per month
How does Berwyn compare to neighboring areas?
Why are car insurance rates in Berwyn different from other areas?
Car insurance companies will take into account numerous factors when they're deciding how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Area laws
- Rate of crime
- Availability of off-street parking
- Amount of drivers in the community
- General road safety (how many accidents each locality has)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Berwyn?
Equipping 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.
Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Berwyn.
Berwyn Insurance FAQs
What factors affect car insurance quotes in Berwyn?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address 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?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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?