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How much is car insurance in Upper Darby?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Upper Darby will typically run you about $18 a month more than in the rest of Pennsylvania.
Similarly, drivers in Upper Darby may pay higher rates than the rest of the country. It's around $9 more expensive to insure your vehicle in Upper Darby compared to the average rate for the rest of the U.S.
Bear in mind that while these rates are the average costs for drivers in Upper Darby, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Upper Darby 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 below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Upper Darby drivers may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance coverage, this is not the case in Upper Darby, where female drivers pay around $91 per month while male drivers pay about $87.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Upper Darby with one accident will pay around $98 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $58.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$89|
As you can see in the first table above, the cheapest vehicles to insure in Upper Darby are by and large SUVs, which run about $79 per month.
Truck and van drivers will see rates of about $84 for auto insurance, while car owners typically pay around $92 a month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. 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)||$95|
Overall, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Upper Darby follows that pattern, with the difference totaling to around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$115|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Upper Darby, expect to pay around $3 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Upper Darby, PA
Recent trends in car insurance for Upper Darby drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of auto insurance in Upper Darby dropped from 2016-2019, before leveling out in 2020. Car insurance rates finished down in 2021, at $86 per month
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 choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Amount of off-street parking
- Rate of crime
- Road Safety (frequency of local car accidents)
- Number of drivers in the community
- Community laws
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.
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 numerous car insurance companies offering policies in Upper Darby.
Upper Darby Insurance FAQs
What factors affect car insurance quotes in Upper Darby?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Upper Darby 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 Upper 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 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?
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 Upper Darby 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.