Danville, KY Car Insurance

Danville drivers pay, on average, around $117 a month for their car insurance. Read our guide below to learn more about your specific rates.
How do rates in Danville measure up compared to neighboring areas, including Kentucky as a whole? How much can residents of Danville 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$117
KY$132
United States$80

Looking at the chart above, you can see it's around $15 a month cheaper to insure your vehicle in Danville than it is in the rest of Kentucky.

Conversely, the expected monthly payments for an auto insurance policy in Danville are above the national average. It's about $37 more expensive for coverage in Danville than the average rates for the U.S. as a whole.

While these numbers represent the average monthly payments for coverage in Danville, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. 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 policy payment.

Don't worry, we've done the work for you and broken down the average rates for Danville to help you understand what your monthly premium might be. 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 18Not Enough Data
18-24$197
25-34$110
35-44$107
45-54$87
55-64$70
65+$91

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may climb back up in Danville.

Average Car Insurance Rates by Gender

Gender Average
Male$118
Female$116

On average, female drivers pay slightly less for car insurance than their male counterparts. In Danville, although women do pay a bit less on their monthly insurance rates, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$135
Multiple Accidents$168
1 Ticket$166
Multiple TicketsNot Enough Data

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Danville with one accident will pay around $135 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $166.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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$129
2-3 Years$117
4-5 Years$114
6-7 Years$139
8-10 Years$143
11-14 Years$119
15 Years or Older$102

The most affordable vehicles to insure in Danville are by and large trucks and vans, which run about $99 per month.

Car owners can expect to pay an average of around $120 a month for their policy, while SUVs usually cost around $114 a month to insure.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Danville are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$124
Married$103
Divorced$76
Widowed$60

Generally, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

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 $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$112
Rent$116
Live with parents$80

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $4 a month more than drivers who own property in Danville. But if you live with your parents, you can expect to pay a lot more.

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, KY

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 shopping for coverage.

The cost of car insurance in Danville increased from 2017-2018, before leveling out in 2019. Policy premiums finished down in 2021, at $109 a month

How does Danville compare to neighboring areas?

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

There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Total number of drivers in the community
  • Amount of off-street parking
  • Crime rates
  • Local regulations
  • Road Safety (frequency of local car accidents)

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, 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 has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Danville in no time.

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Danville Insurance FAQs

What factors affect car insurance quotes in Danville?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.

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

Parking situations, crime rates, and local laws -- 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?

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?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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?

Find your best rate in just a few minutes