Table of contents
How much is car insurance in Chatsworth?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $15 a month more expensive to insure your vehicle in Chatsworth than it is in the rest of California.
On the other hand, car insurance rates in Chatsworth are often favorable when viewed against the rest of the country. You can expect to pay about $9 below the national average for auto insurance in Chatsworth.
Bear in mind that while these rates are the average costs for Chatsworth drivers, it doesn't mean that's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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 worry, we've done the work for you and broken down the average rates for Chatsworth to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, 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 longer you've been behind the wheel, the more experienced of a driver you are. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $36 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement age, however, you may see your rates rise again in Chatsworth.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. Male and female drivers in Chatsworth, however, both pay around $71 per month for car insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. The rate for drivers in Chatsworth with a single accident on their record is about $98 a month.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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||$73|
|15 Years or Older||$67|
According to the first table above, the cheapest vehicles to insure in Chatsworth are by and large trucks and vans, at $63 per month.
Car owners will see a monthly premium of about $74, while SUV owners typically pay around $64 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Chatsworth, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
On average, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Chatsworth is no exception, with the difference totaling to around $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Another factor taken into consideration is your housing situation. In Chatsworth, homeowners can expect to pay around $10 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Chatsworth, CA
Recent trends in car insurance for Chatsworth drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of auto insurance coverage in Chatsworth have been mixed as of late, it rose in 2016, fell in 2018, and increased again in 2020, before finishing at $72 in 2021.
How does Chatsworth compare to neighboring areas?
Why are car insurance rates in Chatsworth different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. 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 accessibility
- Area crime rates
- Total number of drivers in the region
- General road safety (how many accidents each locality has)
- Area regulations
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. 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 Chatsworth?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Chatsworth.
Chatsworth Insurance FAQs
What factors affect car insurance quotes in Chatsworth?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Chatsworth 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, parking situations, 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 Chatsworth?
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 Chatsworth?
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 Chatsworth 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?