Table of contents
How much is car insurance in Chantilly?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Chantilly will typically run you about $9 a month more than in the rest of Virginia.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Chantilly is rather affordable. It's about $12 cheaper than the national average to insure your vehicle in Chantilly.
Although these are the average rates for auto insurance in Chantilly, that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your monthly premium 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 Chantilly 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 sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Chantilly.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Chantilly, male drivers pay about $18 more a month. Looking at the table above, you can see that female drivers pay around $56 on average, while male drivers typically pay $74 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay much less than those with infractions. In Chantilly, a driving record with one accident will usually get you a rate around $82 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $68.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$68|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Chantilly, with drivers paying around $48 per month for insurance.
Truck and van drivers will see rates of about $53, while the rates for car owners average out to about $73 per month.
The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Chantilly, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
More often than not, married policyholders will pay slightly less for car insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Chantilly, with married couples paying about $9 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $23 a month more than those who own their own home in Chantilly. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Chantilly, VA
Recent trends in car insurance for Chantilly 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.
The rates for auto insurance in Chantilly increased from 2016-2017, but decreased until 2019, when they reached a low of $53. Policy premiums finished down in 2021, at $60 a month.
How does Chantilly compare to neighboring areas?
Why are car insurance rates in Chantilly different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Amount of drivers in the area
- Area regulations
- Road Safety (frequency of car accidents)
- Crime rates
- Amount of off-street parking
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 Chantilly?
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 can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies that offer coverage in Chantilly.
Chantilly Insurance FAQs
What factors affect car insurance quotes in Chantilly?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
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 crime rates, parking situations, and local laws 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Chantilly 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.