Chillicothe, OH Car Insurance

How does Chillicothe compare to the surrounding area and the rest of Ohio? What rates should residents of Chillicothe expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Chillicothe?

Based on the chart above, you can see that it's about $15 a month cheaper to insure your vehicle in Chillicothe than it is in the rest of Ohio.

Likewise, car insurance rates in Chillicothe are more affordable than the national average. The average monthly payment for the United States as a whole is about $38 more expensive than in Chillicothe.

While these numbers are the average rates for auto insurance in Chillicothe, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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.

We've broken down average rates for Chillicothe to help you understand what your policy's monthly premium will cost. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $44 more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates begin to increase again in Chillicothe.

Average Car Insurance Rates by Gender

Car insurance rates for men are usually slightly more expensive than they are for women. In Chillicothe, although women do pay a bit less on their monthly auto insurance coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Chillicothe, drivers with one accident on their record will experience rates around $69 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $57.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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

The most affordable vehicles to insure in Chillicothe are typically trucks and vans, which run about $35 per month.

Car owners can expect to pay an average of around $47 a month for their policy, while SUVs usually cost around $38 a month to insure.

Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Chillicothe are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Overall, those who have settled down into marriage 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 difference in rates based on relationship status in Chillicothe can be as much as $7 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Your living accommodations is another factor that affects your monthly rate. 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.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Chillicothe, OH

Recent trends in car insurance for Chillicothe drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

In Chillicothe, auto insurance rates decreased from 2017-2018, before steadying out in 2019. Rates finished down in 2022, at $30 per month

How does Chillicothe compare to neighboring areas?

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

Car insurance companies will take into account a variety of factors when figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

• Community laws
• Regional crime rates
• Rate of car accidents
• Number of drivers
• Off-street parking availability

Knowing the make-up of these factors can be helpful when deciding on purchasing 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 Chillicothe?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Fortunately, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Chillicothe.

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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, plus your address, credit score, marital status, and driving record.

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

Crime rates, local laws, 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 Chillicothe?

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 Chillicothe?

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?

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 Chillicothe 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.