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How much is car insurance in Chantilly?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Chantilly are about $9 a month more expensive than the rest of Virginia.
That being said, the expected monthly payments for an auto insurance policy in Chantilly are below the national average. The average monthly payment for the U.S. as a whole is about $11 more expensive than in Chantilly.
Although these are the average car insurance rates in Chantilly, 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 get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down the average rate for Chantilly residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Chantilly drivers may see their rates rise again once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Chantilly, the difference is around $12 a month. Based on the chart above, you can see that female drivers pay around $63 on average, while male drivers typically pay $75 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 Chantilly, drivers with one accident on their record will experience rates around $81 a month. In addition, drivers with one ticket can expect to pay around $64 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$75|
As you can see in the first table above, the cheapest vehicles to insure in Chantilly are usually SUVs, which run about $54 per month.
SUV owners will see rates of about $54, while truck and van owners typically pay around $76 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Chantilly, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Chantilly, the difference in rates based on relationship status can be as much as $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Chantilly, expect to pay around $25 a month more than if you own property. 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 overall costs.
Car Insurance Companies in Chantilly, VA
Recent trends in car insurance for Chantilly drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Chantilly, the rates for auto insurance declined from 2017-2019, where they reached a low of $53, before leveling out in 2020. Since 2021, car insurance rates have once again been decreasing and hit $57 in 2022.
How does Chantilly compare to neighboring areas?
Why are car insurance rates in Chantilly different from other areas?
There are a number of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Amount of drivers in the region
- Off-street parking access
- Road safety
- Rate of crime
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Chantilly?
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.
Don't worry, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Chantilly.
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Chantilly Insurance FAQs
What factors affect car insurance quotes in Chantilly?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Chantilly 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 local laws, crime rates, 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 Chantilly?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Chantilly?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Chantilly 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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