Chickamauga, GA Car Insurance

Drivers in Chickamauga pay, on average, $73 a month for their car insurance. Learn more in our handy guide below.
How does Chickamauga stack up to the rest of the area, or even Georgia as a whole? How much can residents of Chickamauga expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Chickamauga?

Area Average Monthly Car Insurance Premium
Chickamauga$73
GA$106
United States$81

Based on the chart above, you can see that coverage in Chickamauga typically costs about $33 a month less than it does in the rest of Georgia.

Likewise, when compared to the national average, the cost for auto insurance in Chickamauga is lower. It's around $8 less to insure your vehicle compared to the average rate for the United States as a whole.

While these are the average costs to insure your vehicle in Chickamauga, keep in mind that you could end up paying a different amount. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Chickamauga residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$230
18-24$118
25-34$68
35-44$68
45-54Not Enough Data
55-64$53
65+$69

It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly 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 age, your rates may begin to go back up in Chickamauga.

Average Car Insurance Rates by Gender

Gender Average
Male$77
Female$70

In general, women pay slightly less for car insurance than men. The difference in Chickamauga is around $7 per month. As you can see in the table above, female drivers in the area typically pay $70 on average, while female drivers typically pay $77 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$102
Multiple Accidents$116
1 Ticket$73
Multiple Tickets$100

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Chickamauga, a driving record with a single accident will usually get you a rate around $102 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $73.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$55
2-3 Years$150
4-5 Years$99
6-7 Years$56
8-10 Years$80
11-14 Years$74
15 Years or Older$69

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Chickamauga, with drivers paying around $64 per month for insurance coverage.

Car owners can expect to pay an average of around $77 a month for their policy, while SUVs usually cost around $74 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Chickamauga, 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)$79
Married$58
Divorced$62
Widowed$59

Generally, those who are currently married will pay slightly less for auto insurance coverage. 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 Chickamauga reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$68
Rent$70
Live with parents$85

Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in Chickamauga. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Chickamauga, GA

Recent trends in car insurance for Chickamauga 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.

In Chickamauga, car insurance rates went up from 2017-2018, when they hit a high of $85. This pattern shifted in 2019, when they began to decrease, and have continued moving in that direction through 2022, when insurance rates reached a low of $52 a month.

How does Chickamauga compare to neighboring areas?

Why are car insurance rates in Chickamauga different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Regional laws
  • Amount of drivers in the community
  • Crime
  • Access to off-street parking
  • Road Safety (frequency of local car accidents)

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Chickamauga?

Equipping 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.

Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Chickamauga.

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Chickamauga Insurance FAQs

What factors affect car insurance quotes in Chickamauga?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, address, marital status and driving record.

Why is the cost of car insurance in Chickamauga 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 Chickamauga?

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 Chickamauga?

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Chickamauga or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes