Downingtown, PA Car Insurance

The average monthly cost for car insurance in Downingtown is about $57. For more information refer to our guide below.
What rates should residents of Downingtown expect to pay for their car insurance? How does Downingtown compare to the surrounding area and the rest of Pennsylvania? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Downingtown?

Area Average Monthly Car Insurance Premium
Downingtown$57
PA$71
United States$81

Looking at the chart above, you can see it's around $14 a month cheaper to insure your vehicle in Downingtown than it is in the rest of Pennsylvania.

If you're thinking of moving to Downingtown from out of state, you may still be in luck. You can expect to pay about $24 below the national average for auto insurance in Downingtown.

While these are the average monthly costs for auto insurance coverage in Downingtown, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

But don't worry, we've broken down average rates for Downingtown residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$81
25-34$53
35-44$43
45-54Not Enough Data
55-64$44
65+$61

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Downingtown may see their rates begin to go back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$53

On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Downingtown is around $6 per month. Looking at the table above, you can see that female drivers pay around $53 on average, while male drivers typically pay $59 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$63
Multiple Accidents$77
1 Ticket$107
Multiple Tickets$56

Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. The rate for drivers in Downingtown with a single accident on their record is about $63 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $107 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

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$54
8-10 Years$49
11-14 Years$68
15 Years or Older$59

According to the first table above, the cheapest vehicles to insure in Downingtown are by and large cars, at $55 per month.

SUV owners can expect to pay an average of around $62 a month for their policy, while truck and van drivers are usually around $61 to insure each month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop 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$54
Widowed$81

Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.

The difference in rates based on relationship status in Downingtown can be as much as $21 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$61
Live with parents$79

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than homeowners in Downingtown. 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 and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Downingtown, PA

Recent trends in car insurance for Downingtown 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.

Car insurance rates in Downingtown had been increasing from 2017-2020, when they hit a high of $71. This pattern shifted in 2021, when they began to decrease, and have continued on that road through the present, when policy premiums reached a low of $42 a month.

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 an insurance policy, car insurance companies will evaluate a variety of factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:

  • General road safety (how many accidents each locality has)
  • Community laws
  • Regional crime rates
  • Amount of drivers
  • Access to off-street parking

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Downingtown?

Equipping 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.

Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Downingtown.

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Downingtown Insurance FAQs

What factors affect car insurance quotes in Downingtown?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

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

Things like local laws, crime rates, and parking situations, 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 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?

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, 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.

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