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How much is car insurance in Darby?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Darby are about $31 a month more expensive than the rest of Pennsylvania.
The average cost of insuring your vehicle in Darby is above the national rate. It's about $22 more expensive for coverage in Darby than the average rates for the U.S. as a whole.
These rates may be the average amount Darby residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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 broken down the average rates for Darby to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $79 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates rise again in Darby.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Darby, however, the difference in monthly rates for car insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Darby with one accident will pay around $91 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$122|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Darby, with drivers paying around $94 per month for auto insurance coverage.
Car owners will see rates of about $105, while truck and van owners usually pay around $95 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Darby, vehicles fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$106|
Generally, married policyholders will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Darby can be as much as $18 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$144|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $13 a month less than those who own their own home in Darby. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, 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 have been mixed over the past few years. They increased in 2016, fell in 2018, and rose again in 2020, before finishing at $135 in 2021.
How does Darby compare to neighboring areas?
Why are car insurance rates in Darby different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Off-street parking access
- Local laws
- Amount of drivers
- Road Safety (frequency of local car accidents)
- Prevalence of crime
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Darby?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer plans in Darby.
Darby Insurance FAQs
What factors affect car insurance quotes in Darby?
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 driving record, address, credit score, and marital status.
Why is the cost of car insurance in Darby different from other neighboring cities?
Things like parking situations, crime rates, 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?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Darby?
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. 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.