Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Chester after a DUI is USAA
  • The cheapest car insurance company in Chester for teen drivers is USAA
  • Average car insurance rates in Chester, PA for senior drivers are $2,881/year

Average car insurance rates in Chester, Pennsylvania are $477 a month. But with a little research you can get a great deal from the top car insurance companies in Chester, PA. Before you buy Chester, Pennsylvania car insurance, make sure your coverage meets or exceeds the Pennsylvania minimum of 15/30/5.

It may even be helpful to compare Chester car insurance rates with Altoona car insurance rates, Harrisburg car insurance rates, or Pittsburgh car insurance rates to make sure you’re getting the best Chester, PA car insurance quotes available.

Need affordable Chester, PA car insurance? Enter your ZIP code to compare Chester car insurance quotes from multiple car insurance companies near you.

Chester, PA Minimum Car Insurance Coverage

Chester, Pennsylvania law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Chester, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Chester, PA Car Insurance Rates by Coverage Level

Some Chester drivers can get by with the Pennsylvania minimum coverage of 15/30/5. Other drivers may need more. See how much your Chester, Pennsylvania car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Chester, Pennsylvania

Insurance Company Low Medium High
Allstate $4,765 $5,166 $5,439
GEICO $3,149 $3,632 $4,008
Liberty Mutual $8,085 $8,713 $9,092
Nationwide $3,555 $3,681 $3,649
Progressive $5,307 $6,125 $6,869
State Farm $3,627 $3,993 $4,165
Travelers $12,059 $12,465 $12,721
USAA $2,140 $2,392 $2,558

Chester, PA Car Insurance Rates by Age, Gender, and Marital Status

Chester, Pennsylvania car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Chester, PA car insurance, get quotes from multiple car insurance companies in the Chester area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Chester, Pennsylvania

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,141 $3,141 $2,943 $2,943 $11,003 $11,003 $3,407 $3,407
GEICO $2,866 $2,473 $2,774 $2,395 $6,960 $6,028 $2,831 $2,444
Liberty Mutual $5,690 $5,690 $5,221 $5,221 $16,415 $16,415 $7,195 $7,195
Nationwide $2,497 $2,497 $2,376 $2,376 $6,848 $6,848 $2,791 $2,791
Progressive $3,918 $3,918 $3,517 $3,517 $12,172 $12,172 $4,795 $4,795
State Farm $2,433 $2,433 $2,164 $2,164 $8,419 $8,419 $2,699 $2,699
Travelers $2,658 $2,658 $2,891 $2,891 $40,935 $40,935 $3,176 $3,176
USAA $1,485 $1,485 $1,349 $1,349 $4,645 $4,645 $1,974 $1,974

Chester, PA Car Insurance Rates for Teens

How much is Chester, Pennsylvania car insurance for teens? Compare rates from top Chester car insurance companies below to help find the cheapest teen car insurance in Chester, PA.

Annual Car Insurance Rates for Teen Drivers in Chester, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,003 $11,003
GEICO $6,960 $6,028
Liberty Mutual $16,415 $16,415
Nationwide $6,848 $6,848
Progressive $12,172 $12,172
State Farm $8,419 $8,419
Travelers $40,935 $40,935
USAA $4,645 $4,645

Chester, PA Car Insurance Rates for Seniors

Before seniors buy Chester, Pennsylvania car insurance, they should make sure to shop around. Some Chester, PA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Chester, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,943 $2,943
GEICO $2,774 $2,395
Liberty Mutual $5,221 $5,221
Nationwide $2,376 $2,376
Progressive $3,517 $3,517
State Farm $2,164 $2,164
Travelers $2,891 $2,891
USAA $1,349 $1,349

Chester, PA Car Insurance Rates by Credit History

How does your credit history affect Chester, PA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Chester, Pennsylvania

Insurance Company Poor Fair Good
Allstate $6,549 $4,893 $3,928
GEICO $5,422 $3,034 $2,333
Liberty Mutual $10,997 $7,905 $6,988
Nationwide $4,265 $3,501 $3,118
Progressive $8,097 $5,673 $4,532
State Farm $5,589 $3,462 $2,734
Travelers $13,537 $12,209 $11,499
USAA $2,971 $2,188 $1,931

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Chester, PA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Chester, Pennsylvania car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Chester.

Annual Chester, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,895 $5,809 $4,895 $4,895
GEICO $2,642 $4,518 $3,560 $3,665
Liberty Mutual $7,847 $9,048 $8,813 $8,813
Nationwide $2,644 $3,518 $4,856 $3,495
Progressive $5,514 $7,624 $5,716 $5,549
State Farm $3,572 $4,285 $3,928 $3,928
Travelers $8,766 $12,504 $15,888 $12,504
USAA $1,888 $2,637 $2,814 $2,113

Chester, PA Car Insurance Rates With a DUI

Even a single DUI can increase your Chester, PA car insurance rates. Compare rates below to see which Chester car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Chester, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,895
GEICO $3,560
Liberty Mutual $8,813
Nationwide $4,856
Progressive $5,716
State Farm $3,928
Travelers $15,888
USAA $2,814

Chester, PA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Chester, PA car insurance rates may be. Let’s take a look at average car insurance rates from top Chester companies based on commute time.

Annual Car Insurance Rates by Commute Length in Chester, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,012 $5,234
GEICO $3,540 $3,652
Liberty Mutual $8,412 $8,849
Nationwide $3,628 $3,628
Progressive $6,101 $6,101
State Farm $3,801 $4,056
Travelers $12,415 $12,415
USAA $2,295 $2,432

Chester, PA Cheapest Car Insurance Rates

How do the top Chester, Pennsylvania car insurance companies’ average rates stack up against the Chester average monthly car insurance rates of $477? Take a look and see.

Best Annual Car Insurance Rates by Company in Chester, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Chester, PA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Chester, Pennsylvania car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Chester, Pennsylvania

Insurance Company Average Annual Rates
Allstate $5,123
GEICO $3,596
Liberty Mutual $8,630
Nationwide $3,628
Progressive $6,101
State Farm $3,928
Travelers $12,415
USAA $2,363

Other Factors Affecting Chester, PA Car Insurance Rates

Before you buy Chester, Pennsylvania car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Chester, PA Commute Time

How does your Chester, PA commute time compare with the average driver? In Chester, the average commute is 23.4 minutes.

Chester, PA Traffic

Spending time in Chester traffic can lead to higher car insurance rates. According to INRIX data, Chester, PA ranks as the 282nd-most congested with traffic in the world.

Chester, PA Car Insurance Quotes

Compare Chester, PA car insurance quotes from multiple companies by entering your ZIP code now.