Danville, IL Car Insurance

Danville drivers pay, on average, around $47 a month for their car insurance. Read our guide below to learn more about your specific rates.
How does Danville compare to the surrounding area and the rest of Illinois? What can Danville residents expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Danville?

Area Average Monthly Car Insurance Premium
Danville$47
IL$50
United States$80

Looking at the chart above, you can see that the average monthly price in Danville is in line with pricing for the rest of Illinois.

Compared to the rest of the country, auto insurance in Danville is more affordable. The average monthly payment in Danville is about $33 cheaper than the rate for the rest of the U.S.

Bear in mind that while these rates represent the expected monthly payments for residents of Danville, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

We've done the heavy lifting for you and broken down the average rate for Danville so that you can get a more accurate idea of what your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$90
25-34$40
35-44$36
45-54$36
55-64$30
65+$27

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Danville drivers may see their rates begin to go back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$39

On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Danville is around $18 a month. As illustrated in the table above, female drivers in the area pay about $39 on average, while male drivers pay around $57 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$46
Multiple AccidentsNot Enough Data
1 Ticket$58
Multiple Tickets$43

Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Danville, a driving record with one accident will usually get you a rate around $46 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $58 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$31
2-3 Years$37
4-5 Years$26
6-7 Years$83
8-10 Years$42
11-14 Years$43
15 Years or Older$47

As you can see in the first table above, the cheapest vehicles to insure in Danville are by and large SUVs, which run about $37 per month.

Car owners can expect to pay an average of around $51 a month for their policy, while truck and van drivers are usually around $41 to insure each month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Danville, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$33
Divorced$41
Widowed$23

Generally speaking, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

The difference in rates based on relationship status in Danville can be as much as $20 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$35
Rent$53
Live with parents$62

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $18 a month more than if you own your own home in Danville. But if you live with your parents, your rates will be significantly higher.

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 Danville, IL

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 picking an insurance policy.

Car insurance rates in Danville increased steadily from 2016 through the present, where they reached $99 per month in 2021.

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 a monthly rate, car insurance companies will consider numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Regional crime rates
  • Road Safety (frequency of local car accidents)
  • Off-street parking accessibility
  • Amount of drivers
  • Community laws

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

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 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 does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies 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 like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

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

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Danville?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?

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?

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.

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