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How much is car insurance in Duncanville?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Duncanville are about the same as the rest of Texas.
Similarly, the expected monthly payments for an auto insurance policy in Duncanville are below the national average. The average monthly payment in Duncanville is about $16 less than the rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Duncanville, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Duncanville and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Duncanville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may rise again in Duncanville.
Duncanville Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for insurance coverage, Duncanville actually defies this trend. While female drivers pay $66 a month for auto insurance, males only pay about $62.
Duncanville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Duncanville, a driving record with a single accident will usually get you a rate around $68 a month. Likewise, drivers with one ticket will be looking at a rate of around $53 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Duncanville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$62|
According to the first table above, the cheapest vehicles to insure in Duncanville are usually SUVs, at $60 per month.
Truck and van drivers will see rates of about $63 to insure their car, while car owners by and large pay around $65 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Duncanville, vehicles four-to-five years old are the most expensive to insure.
Duncanville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
Generally, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Duncanville follows that pattern, with the difference totaling to around $16 a month.
Duncanville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $17 a month more than homeowners in Duncanville. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Duncanville, TX
Recent trends in car insurance for Duncanville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The rates for auto insurance in Duncanville dropped from 2017-2018, but began to increase from 2019-2021, when they reached a high of $71. Policy premiums finished down in 2022, at $54 a month.
How does Duncanville compare to neighboring areas?
Why are car insurance rates in Duncanville different from other areas?
Car insurance companies take in a lot of factors when deciding how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Frequency of car accidents
- Prevalence of crime
- Amount of off-street parking
- Area laws
- Number of drivers
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. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Duncanville?
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.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Duncanville.
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Duncanville Auto Insurance FAQs
What factors affect car insurance quotes in Duncanville?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Duncanville different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Duncanville?
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 Duncanville?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Duncanville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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