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How much is car insurance in Chester?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Pennsylvania are about $18 a month cheaper than the rates drivers pay in Chester.
Compared to the national average cost of auto coverage, Chester has higher rates. The average monthly payment for the rest of the U.S. is about is about $8 cheaper than it is in Chester.
Keep in mind that these are the average auto insurance rates for Chester, and that the rate you get could end up being something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Chester residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay $55 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates begin to increase again once you hit retirement in Chester.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Chester defies this trend. Female drivers typically pay around $8 more a month to insure their car than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. In Chester, a driving record with one accident will usually get you a rate around $106 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $76.
Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$74|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Chester, with drivers paying around $64 per month for insurance.
Car owners, on the other hand, usually pay around $90 per month, while SUV drivers can expect to pay about $95 a month for insurance coverage.
Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Chester are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$93|
Overall, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Chester is about $30 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$111|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Chester. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Chester, PA
Recent trends in car insurance for Chester drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The cost of car insurance coverage in Chester declined from 2017-2019, but began to increase from 2020-2021, when they reached a high of $94. Policy premiums finished down in 2022, at $70 per month.
How does Chester compare to neighboring areas?
Why are car insurance rates in Chester different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Road Safety (how many accidents each locality has)
- Amount of drivers in the region
- Regional regulations
- Crime levels
- Availability of off-street parking
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Chester?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer plans in Chester in no time.
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Chester Insurance FAQs
What factors affect car insurance quotes in Chester?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Chester different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Chester?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Chester?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Chester or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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