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How much is car insurance in Duncanville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Duncanville are in line with rates across the rest of Texas.
Likewise, the expected monthly payments for an auto insurance policy in Duncanville are below the national average. You can expect to pay about $17 less for your policy in Duncanville than in the rest of United States.
While these are the average car insurance rates for Duncanville, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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.
But don't worry, we've broken down the average rate for Duncanville residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $51 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Duncanville drivers may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Duncanville bucks this trend. Female drivers typically pay around $5 more per month for car insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Duncanville, a driving record with a single accident will usually get you a rate around $68 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $53.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$62|
The most affordable vehicles to insure in Duncanville are usually SUVs, which run about $61 per month.
Car owners, on the other hand, by and large pay around $65 a month, while truck and van drivers can expect to pay about $62 per month for car insurance coverage.
Your rates can also vary depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Duncanville, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer 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 Duncanville can be as much as $16 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Duncanville, expect to pay around $17 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
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 shopping for coverage.
The cost of auto insurance in Duncanville declined from 2017-2018, but started to rise from 2019-2021, when they hit a high of $71. Car insurance rates finished down in 2022, at $49 a month.
How does Duncanville compare to neighboring areas?
Why are car insurance rates in Duncanville different from other areas?
Car insurance companies will take into account many factors when deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Off-street parking access
- Regional regulations
- Amount of drivers
- Regional crime rates
- Number of car accidents
Knowing the make-up of these factors can be helpful when deciding on purchasing 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.
But hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Duncanville.
Duncanville Insurance FAQs
What factors affect car insurance quotes in Duncanville?
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 Duncanville different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Duncanville?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Duncanville?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Duncanville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.