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How much is car insurance in Chatsworth?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $35 a month cheaper to insure your vehicle in Chatsworth than it is in the rest of Georgia.
Drivers relocating from out of state may enjoy some cost savings in Chatsworth. Car insurance rates for the U.S. as a whole are, on average, $10 more expensive than the rates you'd pay in Chatsworth.
Keep in mind that these are the average auto insurance rates for Chatsworth, and that the rate you get could end up being something different. The monthly rate that insurance companies end up charging you is determined by a variety 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 analyzed the average rate for Chatsworth and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Chatsworth Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $60 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may climb back up in Chatsworth.
Chatsworth Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Chatsworth, the difference comes out to about $13 a month. As you can see in the table above, male drivers in the area typically pay $78 on average, while female drivers typically pay $65 each month.
Chatsworth Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Chatsworth, a driving record with a single accident will usually get you a rate around $94 a month. In addition, drivers with a single ticket on their record can expect to pay around $91 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Chatsworth Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$68|
In Chatsworth, the cheapest vehicles to insure are usually SUVs, trucks, and vans, with drivers paying around $67 per month for insurance coverage.
Car owners, meanwhile, pay on average $73 per month for auto insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive 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 four-to-five years old.
Chatsworth Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Chatsworth reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $15 a month.
Chatsworth Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in Chatsworth. But those who live at home with their parents can expect to pay significantly 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 car insurance costs.
Car Insurance Companies in Chatsworth, GA
Recent trends in car insurance for Chatsworth drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
The rates for car insurance in Chatsworth had been decreasing from 2017-2018, before leveling out in 2019. They finished down in 2022, at $58 a month
How does Chatsworth compare to neighboring areas?
Why are car insurance rates in Chatsworth different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Local regulations
- Access to off-street parking
- Prevalence of crime
- Road Safety (total number of local car accidents)
- Number of drivers in the community
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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?
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.
Fortunately, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Chatsworth.
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Chatsworth Auto 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 marital status, address, credit score, and driving record.
Why is the cost of car insurance in Chatsworth different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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 finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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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