Cheapest Car Insurance Quotes in Chadds Ford

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Chadds Ford Car Insurance

^$ 15

/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 Chadds Ford

The car insurance rate in Chadds Ford is $897 for a six-month policy, which is $110 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $420, making it a popular choice for budget-conscious drivers. Rates in Chadds Ford 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 Chadds Ford

$897

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Chadds Ford

1st place: AutoOwners Insurance Co

At $420 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners

AutoOwners offers auto insurance rates at $433 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National P&C

American National P&C offers auto insurance rates at $583 for six months, making it the third cheapest auto insurance company in Chadds Ford.

Chadds Ford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chadds Ford, PA is AutoOwners Insurance Co, offering policies at just $420 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $433.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1530 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chadds Ford drivers find the best deals.

Cheap Car Insurance Companies in Chadds Ford, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$420	$70
Auto-Owners	$433	$74
American National P&C	$583	$97
Travelers	$629	$106
Westfield	$698	$116
Erie	$914	$154
State Farm	$955	$161
Nationwide	$982	$165
Encompass	$1110	$185
Allstate	$1205	$203
USAA	$1313	$221
Progressive	$1530	$258

Key Takeaways

Way's key takeaways about car insurance in Chadds Ford

The auto insurance costs in Chadds Ford fall around $420 for six months.
The cheapest auto insurance company in Chadds Ford is AutoOwners.
Teen drivers pay the highest rate in Chadds Ford at $714 per month.

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Cheapest Minimum Liability Car Insurance in Chadds Ford

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 Chadds Ford are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Chadds Ford. Their Average 6 Month Premium is $88. Allstate is the most expensive at $562 for the same period.

Cheapest Liability Coverage in Chadds Ford, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$88	$15
Westfield	$163	$27
Auto-Owners Insurance Co	$170	$28
Travelers	$203	$34
Erie	$217	$36
American National P&C	$223	$38
Chubb	$237	$40
State Farm	$284	$48
USAA	$284	$48
Progressive	$304	$51
Nationwide	$352	$58
Allstate	$562	$96

Cheapest Full Coverage Car Insurance in Chadds Ford

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 Chadds Ford is AutoOwners Insurance Co at $70 per month and $420 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chadds Ford, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$420	$70
Auto-Owners	$433	$74
American National P&C	$583	$97
Travelers	$629	$106
Westfield	$698	$116
Erie	$914	$154
State Farm	$955	$161
Nationwide	$982	$165
Encompass	$1110	$185
Allstate	$1205	$203
USAA	$1313	$221
Progressive	$1530	$258

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Average Car Insurance in Chadds Ford 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 Chadds Ford, PA increasing?

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

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

Car Insurance Premiums by Age in Chadds Ford

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	Travelers	$643
30s	Travelers	$445
40s	Travelers	$418
50s	Travelers	$400
60s	Travelers	$400
70s	Travelers	$471

Cheapest Car Insurance Rates for Teen Drivers in Chadds Ford,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Chadds Ford at $28 per month. At $4199 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$170	$28
Auto-Owners Insurance Co	$196	$33
American National P&C	$258	$43
Chubb	$284	$48
Travelers	$813	$137
Erie	$995	$168
State Farm	$1361	$229
USAA	$1788	$298
Allstate	$2992	$508
Progressive	$4144	$691
Nationwide	$4199	$714

Teen Car Insurance Rates in PA by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Chadds Ford.

As young drivers face the highest rates in Chadds Ford, Travelers offers the cheapest auto insurance rates at $643 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 Chadds Ford, Westfield is the cheapest car insurance provider. At $264 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 Chadds Ford is State Farm, offering rates of around $3637 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$264	$44
Auto-Owners Insurance Co	$271	$46
Chubb	$318	$54
American National P&C	$359	$62
USAA	$1029	$171
Nationwide	$1043	$176
Erie	$1659	$277
Travelers	$1882	$320
Allstate	$2533	$422
Progressive	$2790	$474
State Farm	$3637	$606

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Car Insurance Rates with An Accident in Chadds Ford

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 Chadds Ford, PA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Chadds Ford

The cheapest car insurance companies after an at-fault accident in Chadds Ford include AutoOwners and Westfield, offering $88 and $237, respectively. Allstate is an expensive provider with an average six-month premium of $1544.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$88	$15
Westfield	$237	$40
Donegal	$264	$44
Auto-Owners Insurance Co	$271	$46
Chubb	$318	$54
American National P&C	$325	$55
Erie	$406	$68
Travelers	$488	$82
State Farm	$502	$84
USAA	$887	$149
Progressive	$955	$161
Nationwide	$1260	$210
Allstate	$1544	$262

Chadds Ford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chadds Ford PA. For example, the car insurance in Chadds Ford after a DUI increases to $1138 for a six month policy. While the rate increases by $1253 for a six-month policy in the case of a speeding ticket.

Chadds Ford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1253	$209
Cell phone violation	$1463	$249
Failure to wear a seat belt	$1463	$244
Failure to stop at a red light	$1476	$251
Illegal turn	$1476	$246
Improper passing	$1476	$251
Speeding in school zone	$1476	$246
Texting while driving	$1476	$251
Driving with expired registration	$1483	$247
Speeding 16 - 20 MPH over limit	$1483	$252
Wrong way/wrong lane	$1497	$250
Open container	$1585	$269
Reckless driving	$2310	$385
Racing	$2350	$399
DUI	$2391	$398
Driving with a suspended license	$2404	$409
Leaving scene of an accident/hit and run	$2425	$404

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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 Chadds Ford 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 Chadds Ford.

The cheapest car insurance premiums in Chadds Ford are offered by American National P&C at $366 for a six-month policy. However, it can be as expensive as $2837 with companies like Nationwide.

Chadds Ford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$366	$60
Travelers	$576	$97
Erie	$853	$144
Allstate	$1090	$184
Progressive	$1151	$194
State Farm	$1158	$195
USAA	$1212	$204
Nationwide	$2837	$478

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 Chadds Ford are offered by Westfield at $143. However, it can be as expensive as $1835 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Chadds Ford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$143	$24
Auto-Owners Insurance Co	$182	$31
Erie	$521	$88
Travelers	$521	$88
State Farm	$596	$100
USAA	$1151	$196
Allstate	$1544	$258
Progressive	$1638	$278
Nationwide	$1835	$306

Car Insurance Price Trends in Chadds Ford, Pennsylvania

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

The average cost of full coverage in the Chadds Ford rose by $190 in December compared to $184 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Chadds Ford remained steady at $42 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Chadds Ford?

The car insurance in Chadds Ford is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Chadds Ford?

The cheapest car insurance in Chadds Ford is $70 per month for full coverage.

How much is car insurance in Chadds Ford for teenagers?

Car insurance for teenagers costs $170 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 Chadds Ford?

The average cost of car insurance is $787 for a six-month policy. It will cost around $150 per month to insure your car in Chadds Ford.

Is car insurance expensive in Chadds Ford?

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

Cheapest Car Insurance Quotes in Chadds Ford

Why you can trust Way?

How Much Is Car Insurance in Chadds Ford

Avg. Car Insurance in Chadds Ford

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Chadds Ford

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Chadds Ford Car Insurance Rates by Company

Cheap Car Insurance Companies in Chadds Ford, PA

Way's key takeaways about car insurance in Chadds Ford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chadds Ford

Cheapest Liability Coverage in Chadds Ford, PA

Cheapest Full Coverage Car Insurance in Chadds Ford

Cheapest Full Coverage Car Insurance Quotes in Chadds Ford, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chadds Ford by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Chadds Ford, PA increasing?

Car Insurance Premiums by Age in Chadds Ford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Chadds Ford,PA

If you are in your twenties Travelers is the best choice for car insurance in Chadds Ford.

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 Chadds Ford

Cheapest Car Insurance Companies after an At-Fault Accident in Chadds Ford

Chadds Ford Car Insurance Rates by Violation

Chadds Ford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chadds Ford after a DUI

Chadds Ford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chadds Ford after Speeding ticket

Car Insurance Price Trends in Chadds Ford, Pennsylvania

Average Car Insurance Cost in Chadds Ford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chadds Ford, PA

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

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