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How much is car insurance in Chesterfield?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Chesterfield are in line with the rest of Virginia.
If you're thinking of moving to Chesterfield from out of state, you may still be in luck. Auto insurance coverage in Chesterfield is about $20 cheaper than it is for the rest of the United States.
These rates may be the average amount residents of Chesterfield pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Chesterfield residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may creep back up in Chesterfield.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Chesterfield, male drivers pay about $4 more per month. As illustrated in the table above, male drivers in the area pay about $63 on average, while female drivers pay around $59 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay less than those with infractions. In Chesterfield, a driving record with a single accident will usually get you a rate around $66 a month. Likewise, drivers with one ticket will be looking at a rate of around $65 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$71|
|15 Years or Older||$63|
In terms of affordable coverage, the cheapest vehicles to insure in Chesterfield are usually cars, at $59 per month.
Truck and van drivers will see rates of about $67, while the rates for SUV owners average out to about $65 a month.
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Chesterfield, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
In Chesterfield, the difference in rates based on relationship status can be as much as $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $22 a month more than if you own your own home in Chesterfield. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Chesterfield, VA
Recent trends in car insurance for Chesterfield 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 policy.
In Chesterfield, auto insurance rates decreased from 2017-2018, when they hit a low of $51. This shifted in 2019, when insurance rates started to rise. They reached a high of $88 in 2021, and finished at $76 in 2022.
How does Chesterfield compare to neighboring areas?
Why are car insurance rates in Chesterfield different from other areas?
Car insurance companies will take into account numerous factors when they're figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking accessibility
- Local regulations
- Number of drivers in the region
- Road Safety (frequency of local car accidents)
- Rate of crime
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Chesterfield?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in Chesterfield.
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Chesterfield Insurance FAQs
What factors affect car insurance quotes in Chesterfield?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Chesterfield different from other neighboring cities?
Local laws, crime rates, 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 Chesterfield?
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 Chesterfield?
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 Chesterfield or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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