Table of contents
How much is car insurance in Chillicothe?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Ohio, coverage in Chillicothe is about $15 a month cheaper.
When stacked up against the national average, the average monthly policy payment for Chillicothe is more affordable. It's about $36 cheaper than the national average to insure your vehicle in Chillicothe.
Although these are the average car insurance rates in Chillicothe, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Chillicothe residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may climb back up a bit in Chillicothe.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Chillicothe, the difference is around $5 per month. As illustrated in the table above, female drivers in the area pay about $41 on average, while male drivers pay around $46 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Chillicothe, drivers with one accident on their record will experience rates around $58 a month. In addition, drivers with a single ticket on their record can expect to pay around $30 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$44|
As you can see in the first table above, the cheapest vehicles to insure in Chillicothe are usually trucks and vans, which run about $35 per month.
SUV drivers will see rates of about $43 for car insurance coverage, while car owners typically pay around $46 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Chillicothe, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$46|
More often than not, those who are currently married will pay slightly less for auto insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Chillicothe follows that pattern, with the difference totaling to around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$54|
One other element taken into consideration is your housing status. Renters can expect to pay around $11 a month more than those who own their own home in Chillicothe. Those who live with their parents, however, can expect to pay a lot 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 Chillicothe, OH
Recent trends in car insurance for Chillicothe drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The rates for auto insurance in Chillicothe had been increasing from 2016-2017, before steadying out in 2018. They finished up in 2021, at $49 per month
How does Chillicothe compare to neighboring areas?
Why are car insurance rates in Chillicothe different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Availability of off-street parking
- Road Safety (frequency of local car accidents)
- Area crime rates
- Number of drivers in the region
- Regional regulations
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. 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 Chillicothe?
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.
But hold on! 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 loads of the car insurance companies providing auto coverage in Chillicothe.
Chillicothe Insurance FAQs
What factors affect car insurance quotes in Chillicothe?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Chillicothe 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 Chillicothe?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Chillicothe?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Chillicothe 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.