Cheapest Car Insurance Quotes in Chester Hill

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Chester Hill Car Insurance

^$ 12

/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 Hill

The car insurance rate in Chester Hill is $724 for a six-month policy, which is $63 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Chester Hill 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 Hill

$724

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Chester Hill

1st place: AutoOwners Insurance Co

At $339 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 $350 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 $470 for six months, making it the third cheapest auto insurance company in Chester Hill.

Chester Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chester Hill, PA is AutoOwners Insurance Co, offering policies at just $339 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $350.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1235 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chester Hill drivers find the best deals.

Cheap Car Insurance Companies in Chester Hill, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$339	$56
Auto-Owners	$350	$60
American National P&C	$470	$78
Travelers	$508	$86
Westfield	$563	$94
Erie	$738	$124
State Farm	$771	$130
Nationwide	$792	$133
Encompass	$896	$149
Allstate	$972	$164
USAA	$1060	$178
Progressive	$1235	$208

Key Takeaways

Way's key takeaways about car insurance in Chester Hill

The auto insurance costs in Chester Hill fall around $339 for six months.
The cheapest auto insurance company in Chester Hill is AutoOwners.
Teen drivers pay the highest rate in Chester Hill at $576 per month.

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Cheapest Minimum Liability Car Insurance in Chester Hill

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 Hill are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Chester Hill. Their Average 6 Month Premium is $71. Allstate is the most expensive at $454 for the same period.

Cheapest Liability Coverage in Chester Hill, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$71	$12
Westfield	$132	$22
Auto-Owners Insurance Co	$137	$23
Travelers	$164	$28
Erie	$175	$29
American National P&C	$180	$30
Chubb	$191	$32
State Farm	$229	$39
USAA	$229	$39
Progressive	$246	$41
Nationwide	$284	$47
Allstate	$454	$77

Cheapest Full Coverage Car Insurance in Chester Hill

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 Hill is AutoOwners Insurance Co at $56 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chester Hill, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$339	$56
Auto-Owners	$350	$60
American National P&C	$470	$78
Travelers	$508	$86
Westfield	$563	$94
Erie	$738	$124
State Farm	$771	$130
Nationwide	$792	$133
Encompass	$896	$149
Allstate	$972	$164
USAA	$1060	$178
Progressive	$1235	$208

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Average Car Insurance in Chester Hill 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 Hill, PA increasing?

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

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	$519
30s	Travelers	$359
40s	Travelers	$338
50s	Travelers	$323
60s	Travelers	$323
70s	Travelers	$380

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Chester Hill at $23 per month. At $3388 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$137	$23
Auto-Owners Insurance Co	$158	$27
American National P&C	$208	$35
Chubb	$229	$39
Travelers	$656	$110
Erie	$803	$135
State Farm	$1098	$185
USAA	$1443	$240
Allstate	$2415	$410
Progressive	$3344	$558
Nationwide	$3388	$576

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 Hill.

As young drivers face the highest rates in Chester Hill, Travelers offers the cheapest auto insurance rates at $519 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 Hill, Westfield is the cheapest car insurance provider. At $213 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 Hill is State Farm, offering rates of around $2935 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$213	$36
Auto-Owners Insurance Co	$219	$37
Chubb	$257	$43
American National P&C	$290	$50
USAA	$831	$138
Nationwide	$842	$142
Erie	$1339	$224
Travelers	$1519	$259
Allstate	$2044	$340
Progressive	$2251	$383
State Farm	$2935	$489

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Car Insurance Rates with An Accident in Chester Hill

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

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

The cheapest car insurance companies after an at-fault accident in Chester Hill include AutoOwners and Westfield, offering $71 and $191, respectively. Allstate is an expensive provider with an average six-month premium of $1246.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$71	$12
Westfield	$191	$32
Donegal	$213	$36
Auto-Owners Insurance Co	$219	$37
Chubb	$257	$43
American National P&C	$262	$44
Erie	$328	$55
Travelers	$394	$66
State Farm	$405	$68
USAA	$716	$121
Progressive	$771	$130
Nationwide	$1017	$169
Allstate	$1246	$212

Chester Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chester Hill PA. For example, the car insurance in Chester Hill after a DUI increases to $918 for a six month policy. While the rate increases by $1011 for a six-month policy in the case of a speeding ticket.

Chester Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1011	$168
Cell phone violation	$1180	$201
Failure to wear a seat belt	$1180	$197
Failure to stop at a red light	$1191	$202
Illegal turn	$1191	$199
Improper passing	$1191	$202
Speeding in school zone	$1191	$199
Texting while driving	$1191	$202
Driving with expired registration	$1197	$200
Speeding 16 - 20 MPH over limit	$1197	$203
Wrong way/wrong lane	$1208	$201
Open container	$1279	$217
Reckless driving	$1864	$311
Racing	$1896	$322
DUI	$1929	$321
Driving with a suspended license	$1940	$330
Leaving scene of an accident/hit and run	$1957	$326

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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 Hill 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 Hill.

The cheapest car insurance premiums in Chester Hill are offered by American National P&C at $295 for a six-month policy. However, it can be as expensive as $2290 with companies like Nationwide.

Chester Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$295	$49
Travelers	$465	$78
Erie	$688	$116
Allstate	$880	$148
Progressive	$929	$156
State Farm	$935	$157
USAA	$978	$165
Nationwide	$2290	$385

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 Hill are offered by Westfield at $115. However, it can be as expensive as $1481 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Chester Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$115	$19
Auto-Owners Insurance Co	$147	$25
Erie	$420	$71
Travelers	$420	$71
State Farm	$481	$81
USAA	$929	$158
Allstate	$1246	$208
Progressive	$1322	$224
Nationwide	$1481	$247

Car Insurance Price Trends in Chester Hill, Pennsylvania

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

The average cost of full coverage in the Chester Hill rose by $154 in December compared to $148 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 Chester Hill remained steady at $34 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 Chester Hill?

The car insurance in Chester Hill is $12 per month, which is lower than the national average.

What is the cheapest car insurance in Chester Hill?

The cheapest car insurance in Chester Hill is $56 per month for full coverage.

How much is car insurance in Chester Hill for teenagers?

Car insurance for teenagers costs $137 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 Hill?

The average cost of car insurance is $787 for a six-month policy. It will cost around $121 per month to insure your car in Chester Hill.

Is car insurance expensive in Chester Hill?

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

Cheapest Car Insurance Quotes in Chester Hill

Why you can trust Way?

How Much Is Car Insurance in Chester Hill

Avg. Car Insurance in Chester Hill

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Chester Hill

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Chester Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Chester Hill, PA

Way's key takeaways about car insurance in Chester Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chester Hill

Cheapest Liability Coverage in Chester Hill, PA

Cheapest Full Coverage Car Insurance in Chester Hill

Cheapest Full Coverage Car Insurance Quotes in Chester Hill, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chester Hill by Rating Factor

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

Car Insurance Premiums by Age in Chester Hill

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties Travelers is the best choice for car insurance in Chester Hill.

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 Hill

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

Chester Hill Car Insurance Rates by Violation

Chester Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chester Hill after a DUI

Chester Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chester Hill after Speeding ticket

Car Insurance Price Trends in Chester Hill, Pennsylvania

Average Car Insurance Cost in Chester Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chester Hill, PA

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

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