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How much is car insurance in Danville?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Virginia, coverage in Danville is about $6 a month cheaper.
Similarly, when compared to the national average, the cost for auto insurance in Danville is lower. On average, it's about $26 less to insure your vehicle in Danville than it is in the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Danville, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rates for Danville residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement, your rates may climb back up a bit in Danville.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The price for insurance coverage in Danville, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Danville, a driving record with one accident will usually get you a rate around $77 a month. Likewise, drivers with one ticket will be looking at a rate of around $69 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$74|
|15 Years or Older||$52|
As you can see in the first table above, the cheapest vehicles to insure in Danville are by and large trucks and vans, which run about $50 per month.
Car owners can expect to pay an average of around $54 a month for their policy, while SUVs usually cost around $62 a month to insure.
The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Danville, 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)||$58|
Generally, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The difference in rates based on relationship status in Danville can be as much as $16 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Danville, expect to pay around $9 a month more than if you own property. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Danville, VA
Recent trends in car insurance for Danville 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.
In Danville, car insurance rates increased from 2017-2018, before leveling out in 2019. Rates went up again, reaching a high of $68 in 2021, and finished down at $57 in 2022.
How does Danville compare to neighboring areas?
Why are car insurance rates in Danville different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Regional crime rates
- Regional laws
- Amount of drivers
- Off-street parking availability
- Road Safety (how many accidents each locality has)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Danville?
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.
But hold on! Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Danville.
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Danville Insurance FAQs
What factors affect car insurance quotes in Danville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Danville 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 crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Danville?
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 Danville?
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. 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 Danville 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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