Darby, PA Car Insurance

On average, Darby drivers pay a monthly average rate of around $107 for their car insurance. We cover plan rates, policies and more in our guide below.
How does Darby stack up to the rest of the area, or even Pennsylvania as a whole? How much can residents of Darby expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Darby?

Area Average Monthly Car Insurance Premium
Darby$107
PA$71
United States$81

Based on the information in the chart above, you can see that on average, it's about $36 a month more expensive to insure your vehicle in Darby than it is in the rest of Pennsylvania.

Likewise, drivers in Darby may pay higher rates than the rest of the country. The average monthly payment in Darby is about $26 more expensive 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 insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

We've analyzed the average rate for Darby and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$168
25-34$93
35-44$93
45-54Not Enough Data
55-64$79
65+$71

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $97 more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Darby drivers may see their rates rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$107
Female$108

Female drivers pay, on average, slightly less than their male counterparts. In Darby, however, men actually pay slightly less than female drivers to insure their vehicle.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$89
Multiple Accidents$171
1 Ticket$89
Multiple Tickets$115

Your driving record can have a huge impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Darby with a single accident will pay around $89 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $89.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$59
2-3 Years$104
4-5 Years$78
6-7 Years$96
8-10 Years$121
11-14 Years$102
15 Years or Older$120

The cheapest vehicles to insure in Darby are by and large trucks and vans, with each type typically costing about $89 per month.

Car owners can expect to pay an average of around $114 a month for their policy, while SUVs usually cost around $92 a month to insure.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Darby, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$112
Married$88
Divorced$80
Widowed$63

On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

The cost of auto insurance in Darby reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $24 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$106
Rent$106
Live with parents$140

Another factor that comes into play is your living accommodations. The average rates for both homeowners and renters in Darby are around $106 per month.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Darby, PA

Recent trends in car insurance for Darby drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Darby, the rates for car insurance dropped from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $90.

How does Darby compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a lot of factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:

  • Amount of drivers
  • Area regulations
  • Crime rates
  • General road safety (how many accidents each locality has)
  • Amount of off-street parking

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 Darby?

Arming 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.

Fortunately, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering plans in Darby.

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Darby Insurance FAQs

What factors affect car insurance quotes in Darby?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age 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 Darby different from other neighboring cities?

Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Darby?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Darby?

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?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Darby or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes