Table of contents
How much is car insurance in Chatsworth?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Chatsworth typically costs about $30 a month less than it does in the rest of Georgia.
Similarly, the expected monthly payments for an auto insurance policy in Chatsworth are below the national average. It's about $6 cheaper to insure your vehicle in Chatsworth compared to the average rate for the U.S. as a whole.
Although these are the average rates for auto insurance in Chatsworth, it's important to remember that you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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 your monthly payment amount.
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 your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may begin to increase again in Chatsworth.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Chatsworth, this difference shakes out to about $17 a month. As you can see in the table above, male drivers in the area typically pay $84 on average, while female drivers typically pay $67 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Chatsworth, a driving record with one accident will usually get you a rate around $102 a month. In addition, drivers with a single ticket on their record can expect to pay around $120 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$74|
As you can see in the first table above, the cheapest vehicles to insure in Chatsworth are typically trucks and vans, which run about $73 per month.
Car owners will see a monthly rate of about $75, while SUV owners by and large pay around $74 per month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Chatsworth, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$80|
Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Chatsworth can be as much as $19 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||$110|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $8 a month more than those who own their own home in Chatsworth. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Chatsworth, GA
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 when choosing your car insurance policy.
In Chatsworth, car insurance rates increased from 2016-2017, before leveling out in 2018. Car insurance rates finished up in 2021, at $78 a month
How does Chatsworth compare to neighboring areas?
Why are car insurance rates in Chatsworth different from other areas?
There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Amount of drivers in the area
- Regional laws
- Availability of off-street parking
- Frequency 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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Chatsworth?
Arming 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 wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer 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 like your age and gender, 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 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, 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 Chatsworth?
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 Chatsworth?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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.