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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.
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 $1100 for a six-month policy, which is $22 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $757, 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.
At $757 for a six
month policy, New Jersey Manufacturers offers
the cheapest
auto
insurance rates in the city.
2nd place: NJM
NJM offers auto
insurance rates at $903 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: New Jersey Skylands Insurance
New Jersey Skylands Insurance offers auto insurance
rates at $914
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, NJ is New Jersey Manufacturers, offering policies at just $757 for a six-month term. This is followed by NJM, which has an average six-month premium of $903.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $996 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.
Way's key takeaways about car insurance in Chatsworth
The auto insurance costs in Chatsworth fall around $757 for six
months.
The cheapest auto insurance company in Chatsworth is New Jersey Manufacturers.
Teen drivers pay the highest rate in Chatsworth at $1034 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.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Chatsworth. Their Average 6 Month Premium is $349.
National General is the most
expensive at $367 for the same
period.
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 New Jersey Manufacturers
at $128 per month and $757
for six months.
Cheapest Full Coverage Car Insurance Quotes in Chatsworth,
NJ
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, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Chatsworth, New Jersey, may be increasing due to several external factors.
New Jersey 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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
NJM
$752
30s
NJM
$584
40s
NJM
$541
50s
NJM
$499
60s
NJM
$460
Cheapest Car Insurance Rates for Teen Drivers in
Chatsworth,NJ
If you are planning to get a car insurance policy for your teenage
dependent, New Jersey Skylands Insurance provides the cheapest car
insurance in the Chatsworth at $89
per
month. At $6083 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties NJM is
the best choice for car
insurance in Chatsworth.
As young drivers face the highest rates in Chatsworth, NJM
offers the cheapest auto insurance rates at $752 for six months.
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,
Amica Mutual is
the cheapest car insurance provider. At $640 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 Farmers, offering
rates of around $5495 for six
months.
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, NJ,
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 New Jersey Skylands Insurance
and NJM, offering $617
and $634,
respectively. National General is an expensive provider
with an average six-month premium of
$425.
Here is a list of driving violations that can increase your car
insurance rates in Chatsworth NJ. For example, the car
insurance in Chatsworth
after a DUI increases to $1235 for a six
month policy. While the rate increases by $169 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
$1135
$189
One Med/PIP claim
$1141
$194
Not-at-fault accident
$1194
$199
One comp claim
$1205
$205
Two Med/PIP claims
$1211
$202
Speeding 6 - 10 MPH over limit
$1304
$221
Speeding 11 - 15 MPH over limit
$1310
$219
Two comp claims
$1310
$222
Failure to show documents
$1327
$221
At-fault accident - less than $1000
$1345
$228
Failure to wear a seat belt
$1362
$227
Driving too slowly
$1368
$232
Driving without lights
$1374
$229
Child safety restraint
$1397
$237
Driving with expired registration
$1397
$233
Wrong way/wrong lane
$1420
$241
Failure to yield
$1426
$238
Failure to stop at a red light
$1432
$243
Illegal turn
$1455
$243
Cell phone violation
$1473
$251
Texting while driving
$1473
$245
Speeding in school zone
$1496
$255
Operating a vehicle without permission
$1502
$250
Speeding 16 - 20 MPH over limit
$1502
$256
Improper passing
$1537
$256
Following too closely
$1543
$263
Passing school bus
$1606
$268
In 65 MPH zone
$1618
$275
Speeding 21 - 25 MPH over limit
$1671
$278
At-fault accident - $1000-$2000
$1717
$292
At-fault accident - greater than $2000
$1729
$288
Open container
$1933
$328
Reckless driving
$2265
$377
Leaving scene of an accident/hit and run
$2352
$400
DUI
$2370
$395
Refusal to submit to a chemical test
$2370
$403
Racing
$2376
$396
Driving with a suspended license
$2469
$419
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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 Plymouth Rock at $693 for a six-month policy.
However, it can be as
expensive as $5059 with companies
like Amica Mutual.
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 Plymouth Rock
at $634. However,
it can be as expensive as $2293
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Chatsworth after Speeding ticket
Car Insurance Price Trends in Chatsworth,
New Jersey
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 rose by
$241 in December
compared to $238 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Chatsworth rose to $84 in December,
compared to $81 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Chatsworth by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Chatsworth. At $2199 for a
six-month policy, insuring
your car at 8019 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Chatsworth?
The car insurance in Chatsworth is $58 per month, which is lower than the national average.
What is the cheapest car insurance in Chatsworth?
The cheapest car insurance in Chatsworth
is $128 per month
for full coverage.
How much is car insurance in Chatsworth for teenagers?
Car insurance for teenagers costs $524 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 $1122 for a six-month
policy. It will cost around $185 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.
What is the best car insurance in Chatsworth,
NJ?
The best car insurance company in Chatsworth
NJ is
New Jersey Manufacturers, offering $757 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Chatsworth, NJ
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Chatsworth Car Insurance
