Table of contents
How much is car insurance in Chester?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Virginia are about $4 a month cheaper than the rates drivers pay in Chester.
Compared to the rest of the country, auto insurance in Chester is more affordable. The average monthly payment in Chester is about $17 cheaper 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 to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
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. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates begin to increase again once you hit retirement in Chester.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The price for car insurance in Chester, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Chester, a driving record with one accident will usually get you a rate around $66 a month. Similarly, drivers with one ticket will typically pay around $93 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$53|
|15 Years or Older||$58|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Chester, with drivers paying around $54 per month to insure their vehicle.
SUV drivers will see rates of about $69 for auto insurance, while car owners typically pay around $63 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. 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)||$70|
More often than not, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Chester can be as much as $13 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $9 a month more than drivers who own property in Chester. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Chester, VA
Recent trends in car insurance for Chester drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
Car insurance rates in Chester went up from 2016-2019, before leveling out in 2020. They finished up in 2021, at $104 per month
How does Chester compare to neighboring areas?
Why are car insurance rates in Chester different from other areas?
Car insurance companies look at several factors when they're 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:
- Amount of drivers in the region
- Local regulations
- Rate of car accidents
- Off-street parking availability
- Crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Knowing 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?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Chester.
Chester Insurance FAQs
What factors affect car insurance quotes in Chester?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Chester different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
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?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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.