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How much is car insurance in Danville?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Danville are about the same as what you would pay anywhere else in Illinois.
Compared to the rest of the country, auto insurance in Danville is more affordable. The average monthly payment in Danville is about $35 less than the rate for the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Danville and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, 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|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may creep back up in Danville.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This rings true in Danville, where women pay around $20 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $37 each month, while men pay $57 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Danville with a single accident on their record is about $46 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $68 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$31|
|15 Years or Older||$47|
In Danville, the cheapest vehicles to insure are typically SUVs, with drivers paying around $37 per month for auto insurance coverage.
Truck and van drivers will see rates of about $38 for auto insurance coverage, while car owners by and large pay around $50 a month.
You may also see different rates based 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 close to 5 years old. The most expensive vehicles to insure in Danville are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
More often than not, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Danville follows that pattern, with the difference totaling to around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $15 a month more than drivers who own property in Danville. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Danville, IL
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 picking an insurance policy.
In Danville, auto insurance rates increased steadily from 2017-2021. They finished down in 2022, at $32.
How does Danville compare to neighboring areas?
Why are car insurance rates in Danville different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking accessibility
- Road Safety (frequency of local car accidents)
- Local crime rates
- Total amount of drivers in the community
- Local laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Danville?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Danville.
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Danville Insurance FAQs
What factors affect car insurance quotes in Danville?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Danville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
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 time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Danville 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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