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How much is car insurance in Chester?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Chester are about the same as the rest of Virginia.
Compared to the national average cost of auto insurance coverage, Chester has lower rates. The average monthly payment in Chester is about $17 less than the rate for the rest of the U.S.
Although these are the average car insurance rates in Chester, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for 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 broken down the average rates for Chester to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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 longer you've been driving. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to go back up once you hit retirement in Chester.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While male drivers actually pay a bit less than female drivers on their monthly auto insurance coverage, the difference in Chester is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Chester with a single accident on their record will usually see rates around $68 a month. Likewise, drivers with one ticket will be looking at a rate of around $63 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 keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$85|
|15 Years or Older||$59|
According to the first table above, the cheapest vehicles to insure in Chester are by and large trucks and vans, at $55 per month.
SUV drivers will see rates of about $69 to insure their car, while car owners typically pay around $65 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. 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)||$70|
Generally speaking, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Chester, the difference in rates based on relationship status can be as much as $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $11 a month more than homeowners in Chester. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Chester, VA
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 deciding when and where to shop.
The cost of car insurance coverage in Chester rose from 2017-2019, before leveling out in 2020. Rates finished down in 2022, at $65 a month
How does Chester compare to neighboring areas?
Why are car insurance rates in Chester different from other areas?
Car insurance companies will take into account a lot of factors when figuring out how much to charge for a policy. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Rate of crime
- Number of car accidents
- Area laws
- Availability of off-street parking
- Total 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?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Chester.
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 you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Chester different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Chester or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?