Downingtown, PA Car Insurance

On average, drivers in Downingtown pay around $56 per month for their car insurance. To learn more about policy rates and coverage in the Downingtown area, continue reading our guide below.
How do rates in Downingtown measure up compared to neighboring areas, including Pennsylvania as a whole? What rates can residents of Downingtown 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 Downingtown?

Area Average Monthly Car Insurance Premium
Downingtown$56
PA$71
United States$80

According to the chart above, the average cost of auto insurance in Pennsylvania is about $15 a month more expensive than it is in Downingtown.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Downingtown is rather affordable. It's around $24 less to insure your vehicle compared to the average rate for the United States as a whole.

Although these are the average rates for auto insurance in Downingtown, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Downingtown and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$77
25-34$51
35-44$42
45-54Not Enough Data
55-64$44
65+$74

Generally, the older you are the more experienced you are behind the wheel, right? 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 a bit more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may begin to increase again in Downingtown.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$54

In general, female drivers pay less for car insurance than their male counterparts. The price for car insurance in Downingtown, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$57
Multiple Accidents$77
1 TicketNot Enough Data
Multiple Tickets$41

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Downingtown with a single accident on their record will usually see rates around $57 a month.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$70
2-3 Years$32
4-5 Years$32
6-7 Years$50
8-10 Years$50
11-14 Years$68
15 Years or Older$58

In Downingtown, the cheapest vehicles to insure are typically cars, with drivers paying around $53 per month for insurance coverage.

Truck and van drivers will see rates of about $75 to insure their vehicle, while SUV owners usually pay around $55 per month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Downingtown, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$41
Divorced$60
Widowed$81

Generally, married policyholders will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Downingtown can be as much as $21 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$62
Live with parents$69

Another factor taken into consideration is your living situation. Those who own their own home in Downingtown can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Downingtown, PA

Recent trends in car insurance for Downingtown drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.

In Downingtown, auto insurance rates had been increasing consistently from 2016-2020. They finished down in 2021, at $56.

How does Downingtown compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Total amount of drivers in the community
  • Rate of car accidents
  • Regional crime rates
  • Area laws
  • Amount of off-street parking

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. 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 Downingtown?

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

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Downingtown Insurance FAQs

What factors affect car insurance quotes in Downingtown?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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

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 Downingtown?

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Downingtown or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes