Chickamauga, GA Car Insurance

The average cost for car insurance in Chickamauga is about $77 a month. To learn more about policy rates and coverage in the Chickamauga area, continue reading our guide below.
Are rates in Chickamauga higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? What rates can residents of Chickamauga expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Chickamauga?

Area Average Monthly Car Insurance Premium
Chickamauga$77
GA$104
United States$80

The cost of coverage in Chickamauga is about $27 a month cheaper than it is for the rest of Georgia.

When stacked up against the national average, the average monthly policy payment for Chickamauga is more affordable. It's about $3 cheaper to insure your vehicle in Chickamauga compared to the average rate for the U.S. as a whole.

Bear in mind that while these rates are the average costs for Chickamauga drivers, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

Don't worry, we've done the work for you and broken down average rates for Chickamauga to help you get a more accurate idea of what you'll be charged for your policy. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$230
18-24$121
25-34$69
35-44$67
45-54$60
55-64$58
65+$69

The longer you've been behind the wheel, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates begin to increase again once you hit retirement in Chickamauga.

Average Car Insurance Rates by Gender

Gender Average
Male$82
Female$74

In general, women pay slightly less for car insurance than men. In Chickamauga, male drivers pay about $8 more a month. As you can see in the table above, female drivers in the area typically pay $74 on average, while female drivers typically pay $82 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$106
Multiple Accidents$115
1 Ticket$81
Multiple Tickets$207

Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Chickamauga, drivers with one accident on their record will experience rates around $106 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $81 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$55
2-3 Years$150
4-5 Years$106
6-7 Years$56
8-10 Years$84
11-14 Years$77
15 Years or Older$73

As you can see in the first table above, the cheapest vehicles to insure in Chickamauga are typically trucks and vans, which run about $74 per month.

SUV drivers will see rates of about $81 for auto insurance coverage, while car owners by and large pay around $76 per month.

Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Chickamauga are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$84
Married$59
Divorced$63
Widowed$59

Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Chickamauga is no exception, with the difference totaling to around $25 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$70
Rent$73
Live with parents$87

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than those who own their own home in Chickamauga. But if you live with your parents, you can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.

Car Insurance Companies in Chickamauga, GA

Recent trends in car insurance for Chickamauga drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

The rates for car insurance in Chickamauga had been increasing from 2016-2018, when they reached a high of $85. This trend leveled out in 2019, when they began to decrease, and have continued on that road through the present, where rates finished at $66 a month.

How does Chickamauga compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Road Safety (frequency of local car accidents)
  • Community laws
  • Rate of crime
  • Number of drivers
  • Access to off-street parking

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Chickamauga?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies providing 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 age and gender, as well as your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Chickamauga different from other neighboring cities?

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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 major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Chickamauga 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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