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How much is car insurance in Upper Darby?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $21 a month more expensive to insure your vehicle in Upper Darby than it is in the rest of Pennsylvania.
Similarly, residents of Upper Darby might expect to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $11 cheaper than it is in Upper Darby.
Although these are the average car insurance rates in Upper Darby, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Upper Darby and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $86 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Upper Darby may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The price to insure your car in Upper Darby, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Upper Darby, having a single accident on your record will usually get you rates around $112 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $94.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$87|
In terms of affordable coverage, the cheapest vehicles to insure in Upper Darby are by and large SUVs, at $80 per month.
Car owners can expect to pay an average of around $96 a month for their policy, while truck and van drivers are usually around $87 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. 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. In Upper 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)||$98|
Overall, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Upper Darby reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$113|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $5 a month less than homeowners in Upper Darby. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Upper Darby, PA
Recent trends in car insurance for Upper Darby drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The rates for car insurance in Upper Darby had been decreasing from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $92.
How does Upper Darby compare to neighboring areas?
Why are car insurance rates in Upper Darby different from other areas?
Car insurance companies look at a number of factors when they're figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Regional laws
- Total number of drivers in the region
- Amount of off-street parking
- Road Safety (total number of local car accidents)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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 Upper Darby?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Upper Darby.
Upper Darby Insurance FAQs
What factors affect car insurance quotes in Upper Darby?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 Upper Darby different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Upper Darby?
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 Upper 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Upper Darby or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.