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How much is car insurance in Chester?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $5 a month more expensive to insure your vehicle in Chester than it is in the rest of South Carolina.
Similarly, the expected monthly payments for an auto insurance policy in Chester are above the national average. It's about $28 more for coverage in Chester than in the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Chester, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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 your monthly policy payment.
Don't worry, we've done the work for you and broken down average rates for Chester to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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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? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Chester may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Chester, this difference shakes out to about $9 a month. As you can see in the chart above, car insurance for women in the area typically costs around $106 each month, while men pay $115 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Chester with a single accident will pay around $128 a month. In addition, drivers with one ticket can expect to pay around $144 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$99|
In terms of affordable coverage, the cheapest vehicles to insure in Chester are by and large SUVs, at $102 per month.
Truck and van drivers will see rates of about $107 to insure their vehicle, while car owners usually pay around $111 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is about 5 years old. In Chester, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$116|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The cost of auto insurance in Chester reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $35 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$194|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $24 a month more than homeowners in Chester. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Chester, SC
Recent trends in car insurance for Chester drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for auto insurance in Chester increased from 2017-2018, where they reached a high of $99, before leveling out in 2019. Insurance rates went up again in 2020, and finished down at $108 in 2022.
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 coverage, car insurance companies will review a variety of factors. Many factors affecting your policy are based around your home address. These factors include things like:
- Road safety
- Off-street parking availability
- Crime rates
- Regional laws
- Number of drivers in the region
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Chester?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies providing policies in Chester.
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Chester Insurance FAQs
What factors affect car insurance quotes in Chester?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Chester different from other neighboring cities?
Local laws, parking situations, 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?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using 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 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Chester or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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