Cheapest Car Insurance Quotes in Chester Heights

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Chester Heights Car Insurance

^$ 29

/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 Heights

The car insurance rate in Chester Heights is $967 for a six-month policy, which is $154 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $438, making it a popular choice for budget-conscious drivers. Rates in Chester Heights 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 Heights

$967

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Chester Heights

1st place: AutoOwners Insurance Co

At $438 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 $608 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $728 for six months, making it the third cheapest auto insurance company in Chester Heights.

Chester Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chester Heights, PA is AutoOwners Insurance Co, offering policies at just $438 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $608.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1159 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chester Heights drivers find the best deals.

Cheap Car Insurance Companies in Chester Heights, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$438	$73
American National P&C	$608	$104
Westfield	$728	$121
Travelers	$784	$132
Erie	$954	$161
Nationwide	$1110	$187
State Farm	$1131	$190
Allstate	$1258	$212
USAA	$1336	$225
Progressive	$1661	$280
Auto-Owners	$452	$77
Encompass	$1159	$193

Key Takeaways

Way's key takeaways about car insurance in Chester Heights

The auto insurance costs in Chester Heights fall around $438 for six months.
The cheapest auto insurance company in Chester Heights is Westfield.
Teen drivers pay the highest rate in Chester Heights at $865 per month.

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Cheapest Minimum Liability Car Insurance in Chester Heights

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 Heights are given below.

Westfield provides the cheapest minimum car insurance coverage in Chester Heights. Their Average 6 Month Premium is $170. AutoOwners is the most expensive at $92 for the same period.

Cheapest Liability Coverage in Chester Heights, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$170	$29
Auto-Owners Insurance Co	$177	$30
Erie	$226	$38
American National P&C	$233	$39
Chubb	$248	$42
Travelers	$262	$44
USAA	$311	$52
State Farm	$325	$55
Nationwide	$417	$70
Progressive	$474	$80
Allstate	$637	$107
Auto-Owners	$92	$15

Cheapest Full Coverage Car Insurance in Chester Heights

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 Heights is AutoOwners Insurance Co at $73 per month and $438 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chester Heights, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$438	$73
American National P&C	$608	$104
Westfield	$728	$121
Travelers	$784	$132
Erie	$954	$161
Nationwide	$1110	$187
State Farm	$1131	$190
Allstate	$1258	$212
USAA	$1336	$225
Progressive	$1661	$280
Auto-Owners	$452	$77
Encompass	$1159	$193

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Average Car Insurance in Chester Heights 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 Heights, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Chester Heights, 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 Heights'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 Heights

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 Heights,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Chester Heights at $30 per month. At $5188 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
Auto-Owners Insurance Co	$205	$35
American National P&C	$269	$45
Chubb	$296	$50
Erie	$1216	$205
Travelers	$1399	$236
State Farm	$2015	$339
USAA	$2354	$400
Allstate	$3068	$512
Progressive	$3075	$522
Nationwide	$5188	$865

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 Heights, Westfield is the cheapest car insurance provider. At $276 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 Heights is State Farm, offering rates of around $5641 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$276	$46
Auto-Owners Insurance Co	$283	$48
Chubb	$332	$56
American National P&C	$375	$64
USAA	$1209	$201
Nationwide	$1258	$212
Erie	$2205	$368
Allstate	$2657	$452
Travelers	$2898	$483
Progressive	$3238	$551
State Farm	$5641	$940

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Car Insurance Rates with An Accident in Chester Heights

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

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

The cheapest car insurance companies after an at-fault accident in Chester Heights include Westfield and AutoOwners Insurance Co, offering $248 and $283, respectively. Donegal is an expensive provider with an average six-month premium of $276.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$248	$42
Auto-Owners Insurance Co	$283	$48
Chubb	$332	$56
American National P&C	$339	$57
Erie	$565	$95
State Farm	$657	$111
Travelers	$784	$132
USAA	$1017	$171
Nationwide	$1562	$265
Allstate	$1611	$269
Progressive	$1909	$325
Auto-Owners	$92	$15
Donegal	$276	$46

Chester Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chester Heights PA. For example, the car insurance in Chester Heights after a DUI increases to $1187 for a six month policy. While the rate increases by $1308 for a six-month policy in the case of a speeding ticket.

Chester Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1308	$218
Cell phone violation	$1527	$259
Failure to wear a seat belt	$1527	$255
Failure to stop at a red light	$1541	$262
Illegal turn	$1541	$257
Improper passing	$1541	$262
Speeding in school zone	$1541	$257
Texting while driving	$1541	$262
Driving with expired registration	$1548	$258
Speeding 16 - 20 MPH over limit	$1548	$263
Wrong way/wrong lane	$1562	$261
Open container	$1654	$281
Reckless driving	$2411	$402
Racing	$2453	$417
DUI	$2495	$415
Driving with a suspended license	$2510	$427
Leaving scene of an accident/hit and run	$2531	$421

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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 Heights 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 Heights.

The cheapest car insurance premiums in Chester Heights are offered by American National P&C at $382 for a six-month policy. However, it can be as expensive as $3287 with companies like Nationwide.

Chester Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$382	$63
Travelers	$820	$138
Erie	$1025	$173
Allstate	$1138	$192
Progressive	$1244	$209
State Farm	$1449	$244
USAA	$1457	$245
Nationwide	$3287	$553

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 Heights are offered by Westfield at $149. However, it can be as expensive as $2291 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Chester Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
Auto-Owners Insurance Co	$190	$32
Erie	$657	$111
State Farm	$841	$142
Travelers	$912	$154
USAA	$1351	$225
Allstate	$1611	$274
Progressive	$1937	$322
Nationwide	$2291	$389

Car Insurance Price Trends in Chester Heights, Pennsylvania

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

The average cost of full coverage in the Chester Heights rose by $218 in January compared to $201 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Chester Heights rose to $54 in January, compared to $45 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Chester Heights?

The car insurance in Chester Heights is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Chester Heights?

The cheapest car insurance in Chester Heights is $73 per month for full coverage.

How much is car insurance in Chester Heights for teenagers?

Car insurance for teenagers costs $177 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 Heights?

The average cost of car insurance is $813 for a six-month policy. It will cost around $162 per month to insure your car in Chester Heights.

Is car insurance expensive in Chester Heights?

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

Cheapest Car Insurance Quotes in Chester Heights

Why you can trust Way?

How Much Is Car Insurance in Chester Heights

Avg. Car Insurance in Chester Heights

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Chester Heights

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Chester Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Chester Heights, PA

Way's key takeaways about car insurance in Chester Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chester Heights

Cheapest Liability Coverage in Chester Heights, PA

Cheapest Full Coverage Car Insurance in Chester Heights

Cheapest Full Coverage Car Insurance Quotes in Chester Heights, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chester Heights by Rating Factor

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

Car Insurance Premiums by Age in Chester Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Chester Heights,PA

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

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 Heights

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

Chester Heights Car Insurance Rates by Violation

Chester Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chester Heights after a DUI

Chester Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chester Heights after Speeding ticket

Car Insurance Price Trends in Chester Heights, Pennsylvania

Average Car Insurance Cost in Chester Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chester Heights, PA

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

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