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How much is car insurance in Chatsworth?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $13 a month more expensive to insure your vehicle in Chatsworth than it is in the rest of California.
Compared to the rest of the country, auto insurance in Chatsworth is more affordable. The average monthly payment for the U.S. as a whole is about $12 more expensive than in Chatsworth.
Although these are the average rates for auto insurance in Chatsworth, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Chatsworth so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average 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, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Chatsworth drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Chatsworth, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Chatsworth with a single accident will pay around $95 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $95 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$63|
|15 Years or Older||$66|
According to the first table above, the cheapest vehicles to insure in Chatsworth are typically SUVs, at $65 per month.
Truck and van drivers will see rates of about $66 for insurance coverage, while car owners usually pay around $71 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Chatsworth are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
More often than not, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Chatsworth 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||$90|
Another factor taken into consideration is your housing status. If you rent your home or apartment in Chatsworth, expect to pay around $9 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Chatsworth, CA
Recent trends in car insurance for Chatsworth drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The cost of car insurance in Chatsworth had been decreasing from 2017-2019, before leveling out in 2020. Rates finished up in 2022, at $73 per month
How does Chatsworth compare to neighboring areas?
Why are car insurance rates in Chatsworth different from other areas?
Car insurance companies will take into account a variety of factors when they're figuring out how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Road Safety (total number of local car accidents)
- Amount of drivers in the community
- Regional crime rates
- Amount of off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Chatsworth?
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 wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Chatsworth.
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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 like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Chatsworth different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Chatsworth?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Chatsworth?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Chatsworth 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.
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