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How much is car insurance in Chambersburg?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Pennsylvania is about $22 a month more expensive than it is in Chambersburg.
If you're thinking of moving to Chambersburg from out of state, you may still be in luck. You can expect to pay about $31 less for your policy in Chambersburg than in the rest of United States.
Although these are the average car insurance rates in Chambersburg, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Chambersburg residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up a bit in Chambersburg.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Chambersburg bucks this trend. Female drivers typically pay around $5 more per month for auto insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
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 Chambersburg, a driving record with one accident will usually get you a rate around $52 a month. In addition, drivers with one ticket can expect to pay around $47 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$49|
In Chambersburg, the cheapest vehicles to insure are usually SUVs and cars, with drivers paying around $48 per month for auto insurance coverage.
SUV owners can expect to pay an average of around $48 a month for their policy, while truck and van drivers are usually around $51 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. In Chambersburg, the most expensive vehicles to insure are vehicles six-to-seven years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Generally speaking, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
In Chambersburg, the difference in rates based on relationship status can be as much as $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $2 less than homeowners in Chambersburg. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Chambersburg, PA
Recent trends in car insurance for Chambersburg drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Chambersburg, the rates for car insurance increased from 2016-2017, when they hit a high of $64, but started to turn downward from 2018-2019. They finished up in 2021, at $48.
How does Chambersburg compare to neighboring areas?
Why are car insurance rates in Chambersburg different from other areas?
Car insurance companies look at a number of factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Local laws
- Off-street parking access
- Road safety
- Amount of drivers in the region
Having an awareness of these factors is critical 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 Chambersburg?
While knowing 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.
Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Chambersburg.
Chambersburg Insurance FAQs
What factors affect car insurance quotes in Chambersburg?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Chambersburg different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, 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 Chambersburg?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Chambersburg?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Chambersburg or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?