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

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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.
$73
$108
$144
$164
$186
ProgressiveState FarmAllstateGEICOLiberty Mutual

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!

Average Car Insurance Cost

$171
$246
$144
$153
$137
$173
PennsylvaniaPhiladelphiaPittsburghAllentownErieChester
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Chester, PA Driving Facts

pennsylvania

Minimum Car Insurance Requirements in PA

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 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 are as follows:

  • $15,000 per person/$30,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Pennsylvania state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Pennsylvania law.

  • $5,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Pennsylvania is $5,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $5,000/accident for Medical Benefits (PIP)

The minimum requirements in Pennsylvania include $5,000 first-party benefits towards medical expenses per accident. Insurance companies offer higher limits of up to $100,000 per accident.

Pennsylvania is the only state in the country that requires “first-party benefits coverage.” These benefits act as coverage in an accident regardless of fault.

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

Insurify Insights: How Chester Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Chester, PA
suspended licenses
#26
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Chester drivers measure up to their fellow Pennsylvania motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Chester

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 18 in the number of car accidents per driver across all cities in Pennsylvania.

  • Rank within state: #18
  • Percent of drivers in Chester with an accident: 10.27%
  • Drivers in Chester, PA with an accident in their driving history paid on average 39.58% more than drivers with a clean record

Speeding in Chester

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 33 in the number of speeding infractions per driver.

  • Rank within state: #33
  • Percent of drivers in Chester with a speeding ticket: 3.42%
  • Drivers in Chester, PA with a speeding ticket in their driving history paid on average --% more than drivers with a clean record

DUI/DWIs in Chester

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Chester drivers rank 22 in the number of DUI’s per driver across all cities in Pennsylvania.

  • Rank within state: #22
  • Percent of drivers in Chester with a DUI: 1.9%
  • Drivers in Chester, PA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Chester

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Chester is the Nissan Altima.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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