+120 moreUpdated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Are rates in Duncanville higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What rates can residents of Duncanville expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Duncanville | $64 |
| TX | $65 |
| United States | $80 |
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!
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $106 |
| 25-34 | $63 |
| 35-44 | $60 |
| 45-54 | $52 |
| 55-64 | $44 |
| 65+ | $55 |
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.
Gender | Average |
|---|---|
| Male | $62 |
| Female | $66 |
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.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $68 |
| Multiple Accidents | $93 |
| 1 Ticket | $53 |
| Multiple Tickets | $85 |
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.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $62 |
| 2-3 Years | $61 |
| 4-5 Years | $74 |
| 6-7 Years | $57 |
| 8-10 Years | $64 |
| 11-14 Years | $67 |
| 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.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $69 |
| Married | $53 |
| Divorced | $60 |
| Widowed | $50 |
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.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $52 |
| Rent | $69 |
| 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.
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.
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.
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.
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.
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.
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.
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?
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
AAA auto insurance policies often have higher average rates than many competitors, but it does have solid discounts and membership benefits.
)
USAA SafePilot can get you a discount of up to 30% if you practice safe driving, but the app can be glitchy. Find out if it’s right for you.
)
Progressive Snapshot can potentially save you money on car insurance. Find out if it’s worth it with our latest guide.
)
We explain what the State Farm Drive Safe & Save program is, including what it tracks, how much you can save, and real customer reviews.
)
USAA offers young drivers with good grades up to 10% in savings with its good student discount. Find out how it works and how to qualify.
)
Looking for cheap car insurance for seniors? Discover the best companies, discounts, and expert tips to lower your rates while keeping the coverage you need.
