Cheapest Car Insurance Quotes in Chester

Finding the cheapest car insurance quotes in Chester 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

399,755 Policies Sold

Chester Car Insurance

^$ 18

/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 $1110 for a six-month policy, which is $323 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $519, 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

$1110

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Chester

1st place: AutoOwners Insurance Co

At $519 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 $536 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 $721 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 $519 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $536.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1892 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	$519	$86
Auto-Owners	$536	$92
American National P&C	$721	$120
Travelers	$778	$131
Westfield	$863	$144
Erie	$1131	$190
State Farm	$1182	$199
Nationwide	$1214	$204
Encompass	$1373	$228
Allstate	$1490	$251
USAA	$1624	$274
Progressive	$1892	$319

Key Takeaways

Way's key takeaways about car insurance in Chester

The auto insurance costs in Chester fall around $519 for six months.
The cheapest auto insurance company in Chester is AutoOwners.
Teen drivers pay the highest rate in Chester at $883 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 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.

AutoOwners provides the cheapest minimum car insurance coverage in Chester. Their Average 6 Month Premium is $109. Allstate is the most expensive at $695 for the same period.

Cheapest Liability Coverage in Chester, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$109	$18
Westfield	$202	$34
Auto-Owners Insurance Co	$210	$35
Travelers	$251	$42
Erie	$268	$45
American National P&C	$276	$47
Chubb	$293	$49
State Farm	$351	$59
USAA	$351	$59
Progressive	$376	$63
Nationwide	$436	$72
Allstate	$695	$118

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 $86 per month and $519 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chester, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$519	$86
Auto-Owners	$536	$92
American National P&C	$721	$120
Travelers	$778	$131
Westfield	$863	$144
Erie	$1131	$190
State Farm	$1182	$199
Nationwide	$1214	$204
Encompass	$1373	$228
Allstate	$1490	$251
USAA	$1624	$274
Progressive	$1892	$319

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Chester Instantly!

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$795
30s	Travelers	$550
40s	Travelers	$517
50s	Travelers	$495
60s	Travelers	$495
70s	Travelers	$582

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 $35 per month. At $5193 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$210	$35
Auto-Owners Insurance Co	$243	$41
American National P&C	$319	$54
Chubb	$351	$59
Travelers	$1005	$169
Erie	$1231	$207
State Farm	$1684	$283
USAA	$2211	$368
Allstate	$3701	$629
Progressive	$5125	$854
Nationwide	$5193	$883

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 Chester.

As young drivers face the highest rates in Chester, Travelers offers the cheapest auto insurance rates at $795 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 Chester, Westfield is the cheapest car insurance provider. At $327 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 $4498 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$327	$55
Auto-Owners Insurance Co	$336	$56
Chubb	$393	$66
American National P&C	$444	$76
USAA	$1273	$212
Nationwide	$1290	$217
Erie	$2052	$343
Travelers	$2328	$396
Allstate	$3133	$522
Progressive	$3450	$587
State Farm	$4498	$750

Escape the Trap of Rising Insurance Costs.

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

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 AutoOwners and Westfield, offering $109 and $293, respectively. Allstate is an expensive provider with an average six-month premium of $1909.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$109	$18
Westfield	$293	$49
Donegal	$327	$55
Auto-Owners Insurance Co	$336	$56
Chubb	$393	$66
American National P&C	$402	$68
Erie	$502	$85
Travelers	$603	$102
State Farm	$620	$104
USAA	$1097	$185
Progressive	$1182	$199
Nationwide	$1558	$259
Allstate	$1909	$324

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 $1407 for a six month policy. While the rate increases by $1550 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	$1550	$258
Cell phone violation	$1809	$307
Failure to wear a seat belt	$1809	$302
Failure to stop at a red light	$1826	$310
Illegal turn	$1826	$305
Improper passing	$1826	$310
Speeding in school zone	$1826	$305
Texting while driving	$1826	$310
Driving with expired registration	$1834	$306
Speeding 16 - 20 MPH over limit	$1834	$312
Wrong way/wrong lane	$1851	$309
Open container	$1960	$333
Reckless driving	$2857	$477
Racing	$2906	$494
DUI	$2957	$492
Driving with a suspended license	$2974	$506
Leaving scene of an accident/hit and run	$2999	$499

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 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 $453 for a six-month policy. However, it can be as expensive as $3509 with companies like Nationwide.

Chester car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$453	$75
Travelers	$712	$120
Erie	$1055	$178
Allstate	$1348	$227
Progressive	$1424	$240
State Farm	$1433	$241
USAA	$1499	$252
Nationwide	$3509	$591

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 $176. However, it can be as expensive as $2270 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	$176	$30
Auto-Owners Insurance Co	$226	$38
Erie	$644	$109
Travelers	$644	$109
State Farm	$737	$124
USAA	$1424	$243
Allstate	$1909	$319
Progressive	$2026	$344
Nationwide	$2270	$378

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 $235 in December compared to $227 of November. In other words, there has been an increase by $8 when you compare December and November.

The average cost of liability insurance in the Chester remained steady at $52 in both December and November, indicating no change over the two month period.

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 Chester?

The car insurance in Chester is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Chester?

The cheapest car insurance in Chester is $86 per month for full coverage.

How much is car insurance in Chester for teenagers?

Car insurance for teenagers costs $210 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 $787 for a six-month policy. It will cost around $186 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: AutoOwners

3rd place: American National P&C

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 Travelers 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)

Featured Blogs

Data Sources