Cheapest Car Insurance Quotes in Chatsworth

Finding the cheapest car insurance quotes in Chatsworth shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Chatsworth Car Insurance

^$ 33

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Chatsworth

The car insurance rate in Chatsworth is $937 for a six-month policy, which is $116 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $333, making it a popular choice for budget-conscious drivers. Rates in Chatsworth can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Chatsworth

$937

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Chatsworth

1st place: Country Financial

At $333 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $439 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $645 for six months, making it the third cheapest auto insurance company in Chatsworth.

Chatsworth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chatsworth, GA is Country Financial, offering policies at just $333 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $439.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1507 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chatsworth drivers find the best deals.

Cheap Car Insurance Companies in Chatsworth, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$333	$55
Auto-Owners Insurance Co	$439	$75
Georgia Farm Bureau	$645	$108
Farm Bureau	$708	$120
Auto-Owners	$994	$167
USAA	$994	$167
Progressive	$1025	$173
Mercury	$1185	$201
Allstate	$1210	$204
Esurance P&C Ins Co	$1274	$216
State Farm	$1507	$254

Key Takeaways

Way's key takeaways about car insurance in Chatsworth

The auto insurance costs in Chatsworth fall around $333 for six months.
The cheapest auto insurance company in Chatsworth is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Chatsworth at $903 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Chatsworth

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Chatsworth are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Chatsworth. Their Average 6 Month Premium is $196. State Farm is the most expensive at $692 for the same period.

Cheapest Liability Coverage in Chatsworth, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$196	$33
Georgia Farm Bureau	$264	$45
Farm Bureau	$291	$50
Mercury	$317	$53
Auto-Owners	$328	$55
Country Financial	$338	$57
USAA	$365	$61
Progressive	$370	$62
Central Insurance	$412	$70
Allstate	$597	$100
State Farm	$692	$117

Cheapest Full Coverage Car Insurance in Chatsworth

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Chatsworth is Country Financial at $55 per month and $333 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chatsworth, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$333	$55
Auto-Owners Insurance Co	$439	$75
Georgia Farm Bureau	$645	$108
Farm Bureau	$708	$120
Auto-Owners	$994	$167
USAA	$994	$167
Progressive	$1025	$173
Mercury	$1185	$201
Allstate	$1210	$204
Esurance P&C Ins Co	$1274	$216
State Farm	$1507	$254

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Chatsworth Instantly!

Average Car Insurance in Chatsworth by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Chatsworth, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Chatsworth, Georgia, may be increasing due to several external factors. Georgia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Chatsworth's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Chatsworth

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

undefined

Cheapest Car Insurance Rates for Teen Drivers in Chatsworth,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Chatsworth at $46 per month. At $5366 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$280	$46
Mercury	$333	$57
Country Financial	$397	$67
Central Insurance	$412	$70
USAA	$1644	$277
Georgia Farm Bureau	$1792	$304
Auto-Owners	$1903	$320
Farm Bureau	$2278	$387
Allstate	$4208	$701
Progressive	$5366	$903
State Farm	$5366	$903

Teen Car Insurance Rates in GA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Chatsworth, Country Financial is the cheapest car insurance provider. At $275 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Chatsworth is Allstate, offering rates of around $2252 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$275	$45
Mercury	$322	$55
Farm Bureau	$708	$118
Progressive	$1343	$229
USAA	$1433	$239
Auto-Owners	$2611	$444
State Farm	$5763	$960
Allstate	$2252	$376

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Chatsworth.

Car Insurance Rates with An Accident in Chatsworth

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Chatsworth, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Chatsworth

The cheapest car insurance companies after an at-fault accident in Chatsworth include AutoOwners Insurance Co and Country Financial, offering $291 and $449, respectively. State Farm is an expensive provider with an average six-month premium of $1845.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$291	$48
Country Financial	$449	$76
Encompass	$497	$83
Central Insurance	$545	$93
Farm Bureau	$777	$130
Georgia Farm Bureau	$793	$135
Auto-Owners	$878	$148
USAA	$894	$150
Progressive	$1274	$214
Allstate	$1687	$287
State Farm	$1845	$311

Chatsworth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chatsworth GA. For example, the car insurance in Chatsworth after a DUI increases to $962 for a six month policy. While the rate increases by $302 for a six-month policy in the case of a speeding ticket.

Chatsworth auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1131	$189
One Med/PIP claim	$1131	$192
One comp claim	$1137	$190
Two Med/PIP claims	$1137	$193
Not-at-fault accident	$1142	$190
Two comp claims	$1158	$197
Driving without lights	$1364	$227
Failure to wear a seat belt	$1364	$232
Child safety restraint	$1380	$230
Failure to show documents	$1380	$235
Cell phone violation	$1412	$235
Texting while driving	$1412	$240
Driving too slowly	$1433	$239
Speeding 6 - 10 MPH over limit	$1433	$244
Speeding in school zone	$1433	$239
Speeding 11 - 15 MPH over limit	$1438	$245
Driving with expired registration	$1444	$240
Failure to yield	$1444	$246
Following too closely	$1444	$240
Illegal turn	$1444	$246
Failure to stop at a red light	$1449	$241
Improper passing	$1449	$247
Speeding 16 - 20 MPH over limit	$1449	$241
Wrong way/wrong lane	$1449	$247
Speeding 21 - 25 MPH over limit	$1464	$244
Passing school bus	$1491	$254
In 65 MPH zone	$1496	$249
Open container	$1517	$258
At-fault accident - less than $1000	$1523	$254
Operating a vehicle without permission	$1543	$263
At-fault accident - $1000-$2000	$1660	$277
At-fault accident - greater than $2000	$1671	$284
Refusal to submit to a chemical test	$1956	$326
Reckless driving	$2014	$343
Racing	$2062	$344
Driving with a suspended license	$2067	$352
DUI	$2093	$349
Leaving scene of an accident/hit and run	$2147	$365

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Chatsworth after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Chatsworth.

The cheapest car insurance premiums in Chatsworth are offered by Mercury at $338 for a six-month policy. However, it can be as expensive as $1713 with companies like State Farm.

Chatsworth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$338	$58
Auto-Owners Insurance Co	$439	$73
Country Financial	$476	$80
Esurance P&C Ins Co	$656	$109
Allstate	$1079	$183
Auto-Owners	$1179	$198
Georgia Farm Bureau	$1274	$216
Progressive	$1279	$215
USAA	$1300	$219
Farm Bureau	$1380	$230
State Farm	$1713	$288

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Chatsworth are offered by AutoOwners Insurance Co at $227. However, it can be as expensive as $1523 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Chatsworth after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$227	$38
Country Financial	$248	$42
Mercury	$354	$59
Farm Bureau	$777	$132
USAA	$978	$163
Auto-Owners	$1005	$171
Progressive	$1057	$176
State Farm	$1618	$275
Allstate	$1523	$254

Car Insurance Price Trends in Chatsworth, Georgia

Car insurance rates in Chatsworth have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Chatsworth dipped by $190 in January compared to $200 of December. In other words, there has been an decrease by $10 when you compare January and December.

The average cost of liability insurance in the Chatsworth dipped to $63 in January, compared to $64 in December. This represents an decrease of $1 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Chatsworth?

The car insurance in Chatsworth is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Chatsworth?

The cheapest car insurance in Chatsworth is $55 per month for full coverage.

How much is car insurance in Chatsworth for teenagers?

Car insurance for teenagers costs $280 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Chatsworth?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $158 per month to insure your car in Chatsworth.

Is car insurance expensive in Chatsworth?

Car insurance can be expensive in Chatsworth if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Chatsworth can be affordable.

Cheapest Car Insurance Quotes in Chatsworth

Why you can trust Way?

How Much Is Car Insurance in Chatsworth

Avg. Car Insurance in Chatsworth

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Chatsworth

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Chatsworth Car Insurance Rates by Company

Cheap Car Insurance Companies in Chatsworth, GA

Way's key takeaways about car insurance in Chatsworth

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chatsworth

Cheapest Liability Coverage in Chatsworth, GA

Cheapest Full Coverage Car Insurance in Chatsworth

Cheapest Full Coverage Car Insurance Quotes in Chatsworth, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chatsworth by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Chatsworth, GA increasing?

Car Insurance Premiums by Age in Chatsworth

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Chatsworth,GA

If you are in your twenties N/A is the best choice for car insurance in Chatsworth.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Chatsworth

Cheapest Car Insurance Companies after an At-Fault Accident in Chatsworth

Chatsworth Car Insurance Rates by Violation

Chatsworth auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chatsworth after a DUI

Chatsworth car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chatsworth after Speeding ticket

Car Insurance Price Trends in Chatsworth, Georgia

Average Car Insurance Cost in Chatsworth by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chatsworth, GA

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources