Cheapest Car Insurance Quotes in Chester

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406,175 Policies Sold

Chester Car Insurance

^$ 34

/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 Chester

The car insurance rate in Chester is $1163 for a six-month policy, which is $350 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $526, making it a popular choice for budget-conscious drivers. Rates in Chester 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 Chester

$1163

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Chester

1st place: AutoOwners Insurance Co

At $526 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $731 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $875 for six months, making it the third cheapest auto insurance company in Chester.

Chester Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chester, PA is AutoOwners Insurance Co, offering policies at just $526 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $731.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1393 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chester drivers find the best deals.

Cheap Car Insurance Companies in Chester, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$526	$87
American National P&C	$731	$124
Westfield	$875	$146
Travelers	$942	$159
Erie	$1147	$193
Nationwide	$1334	$225
State Farm	$1359	$229
Allstate	$1512	$255
USAA	$1606	$270
Progressive	$1996	$336
Auto-Owners	$543	$93
Encompass	$1393	$232

Key Takeaways

Way's key takeaways about car insurance in Chester

The auto insurance costs in Chester fall around $526 for six months.
The cheapest auto insurance company in Chester is Westfield.
Teen drivers pay the highest rate in Chester at $1040 per month.

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Cheapest Minimum Liability Car Insurance in Chester

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 Chester are given below.

Westfield provides the cheapest minimum car insurance coverage in Chester. Their Average 6 Month Premium is $204. AutoOwners is the most expensive at $110 for the same period.

Cheapest Liability Coverage in Chester, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$204	$34
Auto-Owners Insurance Co	$213	$36
Erie	$272	$46
American National P&C	$280	$47
Chubb	$297	$50
Travelers	$315	$53
USAA	$373	$63
State Farm	$390	$66
Nationwide	$501	$84
Progressive	$569	$96
Allstate	$765	$129
Auto-Owners	$110	$19

Cheapest Full Coverage Car Insurance in Chester

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 Chester is AutoOwners Insurance Co at $87 per month and $526 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chester, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$526	$87
American National P&C	$731	$124
Westfield	$875	$146
Travelers	$942	$159
Erie	$1147	$193
Nationwide	$1334	$225
State Farm	$1359	$229
Allstate	$1512	$255
USAA	$1606	$270
Progressive	$1996	$336
Auto-Owners	$543	$93
Encompass	$1393	$232

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Average Car Insurance in Chester 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 Chester, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Chester, 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, Chester's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Chester

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

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Cheapest Car Insurance Rates for Teen Drivers in Chester,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Chester at $36 per month. At $6235 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$213	$36
Auto-Owners Insurance Co	$246	$41
American National P&C	$323	$54
Chubb	$356	$60
Erie	$1461	$246
Travelers	$1682	$283
State Farm	$2421	$408
USAA	$2829	$480
Allstate	$3687	$615
Progressive	$3695	$628
Nationwide	$6235	$1040

Teen Car Insurance Rates in PA 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 Chester, Westfield is the cheapest car insurance provider. At $332 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 Chester is State Farm, offering rates of around $6778 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$332	$56
Auto-Owners Insurance Co	$340	$57
Chubb	$399	$67
American National P&C	$450	$77
USAA	$1453	$242
Nationwide	$1512	$255
Erie	$2650	$442
Allstate	$3193	$543
Travelers	$3482	$581
Progressive	$3891	$662
State Farm	$6778	$1130

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Car Insurance Rates with An Accident in Chester

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

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

The cheapest car insurance companies after an at-fault accident in Chester include Westfield and AutoOwners Insurance Co, offering $297 and $340, respectively. Donegal is an expensive provider with an average six-month premium of $332.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$297	$50
Auto-Owners Insurance Co	$340	$57
Chubb	$399	$67
American National P&C	$408	$69
Erie	$679	$114
State Farm	$789	$133
Travelers	$942	$159
USAA	$1223	$206
Nationwide	$1878	$319
Allstate	$1936	$323
Progressive	$2294	$390
Auto-Owners	$110	$19
Donegal	$332	$56

Chester Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chester PA. For example, the car insurance in Chester after a DUI increases to $1427 for a six month policy. While the rate increases by $1572 for a six-month policy in the case of a speeding ticket.

Chester auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1572	$262
Cell phone violation	$1835	$312
Failure to wear a seat belt	$1835	$306
Failure to stop at a red light	$1852	$315
Illegal turn	$1852	$309
Improper passing	$1852	$315
Speeding in school zone	$1852	$309
Texting while driving	$1852	$315
Driving with expired registration	$1860	$310
Speeding 16 - 20 MPH over limit	$1860	$316
Wrong way/wrong lane	$1878	$313
Open container	$1988	$337
Reckless driving	$2897	$483
Racing	$2947	$501
DUI	$2999	$499
Driving with a suspended license	$3016	$513
Leaving scene of an accident/hit and run	$3042	$506

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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 Chester 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 Chester.

The cheapest car insurance premiums in Chester are offered by American National P&C at $459 for a six-month policy. However, it can be as expensive as $3950 with companies like Nationwide.

Chester car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$459	$76
Travelers	$985	$166
Erie	$1231	$207
Allstate	$1367	$230
Progressive	$1494	$252
State Farm	$1742	$293
USAA	$1750	$295
Nationwide	$3950	$665

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 Chester are offered by Westfield at $179. However, it can be as expensive as $2753 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Chester after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
Auto-Owners Insurance Co	$229	$39
Erie	$789	$133
State Farm	$1011	$170
Travelers	$1095	$184
USAA	$1623	$270
Allstate	$1936	$329
Progressive	$2328	$388
Nationwide	$2753	$468

Car Insurance Price Trends in Chester, Pennsylvania

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

The average cost of full coverage in the Chester rose by $262 in January compared to $242 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Chester rose to $64 in January, compared to $54 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Chester?

The car insurance in Chester is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Chester?

The cheapest car insurance in Chester is $87 per month for full coverage.

How much is car insurance in Chester for teenagers?

Car insurance for teenagers costs $213 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 Chester?

The average cost of car insurance is $813 for a six-month policy. It will cost around $194 per month to insure your car in Chester.

Is car insurance expensive in Chester?

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

Cheapest Car Insurance Quotes in Chester

Why you can trust Way?

How Much Is Car Insurance in Chester

Avg. Car Insurance in Chester

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Chester

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Chester Car Insurance Rates by Company

Cheap Car Insurance Companies in Chester, PA

Way's key takeaways about car insurance in Chester

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chester

Cheapest Liability Coverage in Chester, PA

Cheapest Full Coverage Car Insurance in Chester

Cheapest Full Coverage Car Insurance Quotes in Chester, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chester by Rating Factor

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

Car Insurance Premiums by Age in Chester

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Chester,PA

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

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 Chester

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

Chester Car Insurance Rates by Violation

Chester auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chester after a DUI

Chester car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chester after Speeding ticket

Car Insurance Price Trends in Chester, Pennsylvania

Average Car Insurance Cost in Chester by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chester, PA

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

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