Table of contents
How much is car insurance in Chester?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Chester is in line with pricing for the rest of South Carolina.
Similarly, drivers in Chester may pay higher rates than the rest of the country. It's around $21 more expensive for coverage in Chester than the average rates seen in the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Chester, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Chester and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $94 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may rise again in Chester.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Chester, the difference is around $20 a month. As illustrated in the table above, male drivers in the area pay about $114 on average, while female drivers pay around $94 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Chester, a driving record with one accident will usually get you a rate around $121 a month. Likewise, drivers with one ticket will be looking at a rate of around $136 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$97|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Chester, with drivers paying around $97 per month to insure their vehicle.
Truck and van drivers will see rates of about $131, while the rates for SUV owners average out to about $97 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. In Chester, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$107|
On average, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Chester, with married couples paying about $23 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$204|
Your housing situation is another factor that affects your monthly rate. In Chester, homeowners can expect to pay around $14 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Chester, SC
Recent trends in car insurance for Chester drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Chester, the rates for car insurance had been decreasing from 2016-2017, before leveling out in 2018. Policy premiums finished down in 2021, at $116 a month
How does Chester compare to neighboring areas?
Why are car insurance rates in Chester different from other areas?
Car insurance companies take in a lot of factors when figuring out how much individual insurance policies will cost. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Road Safety (how many accidents each locality has)
- Total number of drivers in the region
- Availability of off-street parking
- Area crime rates
- Area regulations
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Chester?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Chester.
Chester Insurance FAQs
What factors affect car insurance quotes in Chester?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Chester different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Chester?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Chester or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.