4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Chester, PA (September 2022)

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka

Updated September 15, 2022

Car Insurance in Chester, PA

The average cost of Pennsylvania car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Chester, PA to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Chester is $195 per month, or $2340 annually.

  • Car insurance in Chester is $45 more than the average cost of car insurance in Pennsylvania.

  • The cheapest car insurance provider in Chester on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$73
State Farm
$108
Allstate
$144
GEICO
$164
Liberty Mutual
$186

See More:

Cheapest Car Insurance in Chester, PA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in ChesterQuotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Progressive$73 /mo
State Farm$108 /mo
Allstate$144 /mo
GEICO$164 /mo
Liberty Mutual$186 /mo

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Average Car Insurance Cost

Pennsylvania Cities
Philadelphia$246/mo
Pittsburgh$144/mo
Allentown$153/mo
Erie$137/mo
Chester$173/mo
Pennsylvania$171/mo
Erie
$137
Pittsburgh
$144
Allentown
$153
Average for PA
$171
Chester
$173
Philadelphia
$246

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Pennsylvania

All motor vehicles operated or parked on Pennsylvania roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Pennsylvania[1] are:

  • $15,000 per person for bodily injury

  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Pennsylvania is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $5,000 per accident for Medical Benefits

Medical Benefits, similar to PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Find local Chester agents

  • Seltzer & Associates

    419 Avenue of the States,
    Ste \#408, Chester, PA 19013-4412
  • Doherty Agency, Inc

    3221 Edgmont Ave,
    Brookhaven, PA 19015
  • R Park Insurance Agency Inc

    3221 Edgmont Ave,
    Brookhaven, PA 19015
  • Reece Brown - State Farm Insurance Agent

    2831 Edgmont Ave,
    Brookhaven, PA 19015,
  • Nationwide Insurance: Stephen K Miller, Cfp/Rhu

    1937 W MacDade Blvd,
    Woodlyn, PA 19094,
  • Farmers Insurance - Glenn Hamilton

    601 Upland Ave \#117a,
    Upland, PA 19015
  • Doherty Agency, Inc

    3221 Edgmont Ave,
    Brookhaven, PA 19015
  • Fusco Insurance Agency Inc

    3309 Edgmont Ave c,
    Brookhaven, PA 19015
  • P & C Insurance / Fast Auto Tags

    301 Springfield Ave,
    Folsom, PA 19033
  • Acceptance Insurance

    1436 Chester Pike,
    Sharon Hill, PA 19079
View more

FAQs - Chester, PA Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.

  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Insurify Insights

How Chester Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Chester, Pennsylvania below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Chester drivers measure up to their fellow motorists across Pennsylvania in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in Chester

#49

City with the Most Speeding Tickets Rank in Pennsylvania

#63

City with the Most Moving Violations Rank in Pennsylvania

#42

City with the Most DUIs Rank in Pennsylvania

#16

City with the Most Suspended Licenses in Pennsylvania

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Chester drivers rank 56 in the number of car accidents per driver across all cities in Pennsylvania.

    • Rank within state: #56
    • Percent of drivers in Chester with an accident: 8.9%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Chester drivers rank 42 in the number of DUI’s per driver across all cities in Pennsylvania.

    • Rank within state: #42
    • Percent of drivers in Chester with a DUI: 1.6%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Pennsylvania, Chester drivers rank 32 in the number of reckless driving offenses per driver.

    • Rank within state: #32
    • Percent of drivers in Chester with a reckless driving offense: 1.6%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Pennsylvania, Chester drivers rank 19 in rude driving infractions.

    • Rank within state: #19
    • Percent of drivers in Chester with a reckless driving violation: 2%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Pennsylvania, Chester drivers rank 49 in the number of speeding infractions per driver.

    • Rank within state: #49
    • Percent of drivers in Chester with a speeding ticket: 6.4%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Chester drivers rank 78 in clean driving records across all cities in Pennsylvania.

    • Rank within state: #78
    • Percent of drivers in Chester with clean record: 75.2%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Chester drivers rank 59 in hybrid and electric vehicle ownership across all cities in Pennsylvania.

    • Rank within state: #59
    • Percent of drivers in Chester with a hybrid/electric vehicle: 0.43%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Olivia Oksenhorn
Olivia Oksenhorn
Linkedin

Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Learn More

Sources

  1. Pennsylvania Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022