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How much is car insurance in Chatsworth?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Chatsworth is about $35 a month cheaper than it is for the rest of Georgia.
Compared to the national average cost of auto insurance coverage, Chatsworth has lower rates. The average monthly payment in Chatsworth is about $10 cheaper than the rate for the rest of the United States.
While these are the average car insurance rates for Chatsworth, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down the average rate for Chatsworth residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay $61 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Chatsworth may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Chatsworth, where women pay around $14 less per month than men. Based on the chart above, you can see that male drivers pay $79 on average, while female drivers typically pay $65 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Chatsworth with a single accident on their record will usually see rates around $94 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $92.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$69|
In Chatsworth, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $68 per month for auto insurance coverage.
SUV drivers will see rates of about $69, while the rates for car owners average out to about $74 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 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.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Chatsworth, the difference in rates based on relationship status can be as much as $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Another factor taken into consideration is your housing status. Renters can expect to pay around $6 a month more than those who own their own home in Chatsworth. But those who live at home with their parents can expect to pay significantly more.
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
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance coverage in Chatsworth had been decreasing from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $60 a month
How does Chatsworth compare to neighboring areas?
Why are car insurance rates in Chatsworth different from other areas?
Car insurance companies take in a number 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 where you park your car. These include things like:
- Community laws
- Off-street parking availability
- Total amount of drivers in the area
- Road safety
- Regional crime rates
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 getting familiar with 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.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Chatsworth.
Chatsworth Insurance FAQs
What factors affect car insurance quotes in Chatsworth?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.
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?
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 however, by using sites like Compare.com to compare multiple quotes at once.
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Chatsworth or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.