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Finding the cheapest car insurance quotes in Chester Springs 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.
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 Springs
The car insurance rate in Chester Springs is $878 for a six-month policy, which is $65 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in Chester Springs 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.
Cheapest Car Insurance Companies in Chester Springs
1st place: AutoOwners Insurance Co
At $397 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 $552 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $661
for six months, making it
the third cheapest auto insurance company in Chester Springs.
Chester Springs Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Chester Springs, PA is AutoOwners Insurance Co, offering policies at just $397 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $552.
At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1052 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chester Springs drivers find the best deals.
Cheap Car Insurance Companies in Chester Springs, PA
Way's key takeaways about car insurance in Chester Springs
The auto insurance costs in Chester Springs fall around $397 for six
months.
The cheapest auto insurance company in Chester Springs is Westfield.
Teen drivers pay the highest rate in Chester Springs at $785 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 Springs
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 Springs are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Chester Springs. Their Average 6 Month Premium is $154.
AutoOwners is the most
expensive at $83 for the same
period.
Cheapest Liability Coverage in Chester Springs, PA
Cheapest Full Coverage Car Insurance in Chester Springs
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 Springs is AutoOwners Insurance Co
at $66 per month and $397
for six months.
Cheapest Full Coverage Car Insurance Quotes in Chester Springs,
PA
Get Your Car Insurance Quote in Chester Springs
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Average Car Insurance in Chester Springs 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 Springs, PA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Chester Springs, 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 Springs'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 Springs
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
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Cheapest Car Insurance Rates for Teen Drivers in
Chester Springs,PA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Chester Springs at $27
per
month. At $4709 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Chester Springs.
As young drivers face the highest rates in Chester Springs, N/A
offers the cheapest auto insurance rates at $N/A 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 Springs,
Westfield is
the cheapest car insurance provider. At $251 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 Springs is State Farm, offering
rates of around $5119 for six
months.
Save up to $971/yr on car insurance rates in Chester Springs.
Car Insurance Rates with An Accident in Chester Springs
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 Springs, PA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Chester Springs
The cheapest car insurance companies after an at-fault accident in
Chester Springs include Westfield
and AutoOwners Insurance Co, offering $225
and $257,
respectively. Donegal is an expensive provider
with an average six-month premium of
$251.
Here is a list of driving violations that can increase your car
insurance rates in Chester Springs PA. For example, the car
insurance in Chester Springs
after a DUI increases to $1078 for a six
month policy. While the rate increases by $1187 for a six-month policy in the case of
a speeding ticket.
Chester Springs auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1187
$198
Cell phone violation
$1386
$235
Failure to wear a seat belt
$1386
$231
Failure to stop at a red light
$1399
$238
Illegal turn
$1399
$233
Improper passing
$1399
$238
Speeding in school zone
$1399
$233
Texting while driving
$1399
$238
Driving with expired registration
$1405
$234
Speeding 16 - 20 MPH over limit
$1405
$239
Wrong way/wrong lane
$1418
$237
Open container
$1501
$255
Reckless driving
$2188
$365
Racing
$2226
$378
DUI
$2265
$377
Driving with a suspended license
$2278
$388
Leaving scene of an accident/hit and run
$2297
$382
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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 Springs 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 Springs.
The cheapest car insurance premiums in
Chester Springs are
offered by American National P&C at $347 for a six-month policy.
However, it can be as
expensive as $2983 with companies
like Nationwide.
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 Springs are offered by Westfield
at $135. However,
it can be as expensive as $2079
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Chester Springs after Speeding ticket
Car Insurance Price Trends in Chester Springs,
Pennsylvania
Car insurance rates in Chester Springs have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Chester Springs rose by
$198 in January
compared to $183 of December. In other words, there has been an increase by $15 when you
compare January and December.
The average cost of liability insurance in the Chester Springs rose to $49 in January,
compared to $41 in December.
This represents an increase of $8
when comparing January and December.
Average Car Insurance Cost in Chester Springs by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Chester Springs. At $1756 for a
six-month policy, insuring
your car at 19425 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Chester Springs?
The car insurance in Chester Springs is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Chester Springs?
The cheapest car insurance in Chester Springs
is $66 per month
for full coverage.
How much is car insurance in Chester Springs for teenagers?
Car insurance for teenagers costs $161 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 Springs?
The average cost of car insurance is $813 for a six-month
policy. It will cost around $147 per month to insure your
car in Chester Springs.
Is car insurance expensive in Chester Springs?
Car insurance can be expensive in Chester Springs if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Chester Springs can be
affordable.
What is the best car insurance in Chester Springs,
PA?
The best car insurance company in Chester Springs
PA is
AutoOwners Insurance Co, offering $397 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Chester Springs, PA
Car Insurance Rates by State in the USA (2025 Update)
Chester Springs Car Insurance
