Chester, TX Auto Insurance (2024)
The average Chester, TX auto insurance rates are $356 per month. The minimum auto insurance in Chester is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Chester, Texas, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Chester is 36.5 minutes
- The minimum auto insurance required in Chester, Texas is 30/60/25
- Average auto insurance rates in Chester, TX for senior drivers are $2,532 per year
Chester, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Chester can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Chester, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Chester to other Texas cities, including Arlington auto insurance rates, Corpus Christi auto insurance rates, and Fort Worth auto insurance rates to see how Chester, Texas auto insurance rates stack up.
Before you buy Chester, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Chester, Texas auto insurance quotes.
Minimum Auto Insurance in Chester, Texas
Chester, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Chester, Texas.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Chester, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Chester, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,535 | $3,557 | $3,487 | $3,487 | $9,468 | $11,404 | $4,367 | $4,536 |
| American Family | $2,937 | $3,285 | $2,779 | $3,199 | $8,121 | $10,633 | $4,287 | $4,898 |
| Geico | $2,409 | $2,598 | $2,321 | $2,620 | $5,244 | $5,489 | $2,606 | $2,615 |
| Nationwide | $2,574 | $2,616 | $2,270 | $2,404 | $7,425 | $9,534 | $3,036 | $3,286 |
| Progressive | $3,392 | $3,178 | $3,043 | $3,082 | $15,087 | $16,878 | $4,008 | $4,010 |
| State Farm | $2,059 | $2,059 | $1,821 | $1,821 | $4,764 | $6,042 | $2,227 | $2,301 |
| USAA | $1,639 | $1,652 | $1,563 | $1,555 | $4,581 | $5,001 | $2,188 | $2,355 |
Cheap Chester, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Chester, Texas is a challenge. Take a look at the annual teen auto insurance rates in Chester, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,468 | $11,404 |
| American Family | $8,121 | $10,633 |
| Geico | $5,244 | $5,489 |
| Nationwide | $7,425 | $9,534 |
| Progressive | $15,087 | $16,878 |
| State Farm | $4,764 | $6,042 |
| USAA | $4,581 | $5,001 |
Cheap Chester, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Chester, Texas? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,487 | $3,487 |
| American Family | $2,779 | $3,199 |
| Geico | $2,321 | $2,620 |
| Nationwide | $2,270 | $2,404 |
| Progressive | $3,043 | $3,082 |
| State Farm | $1,821 | $1,821 |
| USAA | $1,563 | $1,555 |
Cheap Chester, Texas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Chester, Texas compared to the annual auto insurance rates with a clean record in Chester, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,220 | $6,595 | $6,886 | $4,220 |
| American Family | $4,547 | $5,863 | $5,113 | $4,547 |
| Geico | $2,750 | $3,629 | $3,035 | $3,538 |
| Nationwide | $3,590 | $3,590 | $5,334 | $4,059 |
| Progressive | $5,711 | $7,511 | $6,690 | $6,427 |
| State Farm | $2,583 | $2,939 | $3,442 | $2,583 |
| USAA | $1,915 | $2,823 | $3,329 | $2,199 |
Cheap Chester, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Chester, Texas is not easy. Compare the annual rates for DUI auto insurance in Chester, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,886 |
| American Family | $5,113 |
| Geico | $3,035 |
| Nationwide | $5,334 |
| Progressive | $6,690 |
| State Farm | $3,442 |
| USAA | $3,329 |
Cheap Chester, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Chester, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,957 | $5,106 | $4,377 |
| American Family | $6,860 | $4,379 | $3,813 |
| Geico | $4,996 | $2,829 | $1,888 |
| Nationwide | $4,973 | $3,992 | $3,464 |
| Progressive | $7,378 | $6,418 | $5,959 |
| State Farm | $4,095 | $2,543 | $2,023 |
| USAA | $3,779 | $2,174 | $1,746 |
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Cheap Chester, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Chester, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Chester, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 75936 | $6,620 |
Cheap Chester, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Chester, Texas auto insurance. Find the cheapest annual Chester, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,343 | $5,618 |
| American Family | $5,017 | $5,017 |
| Geico | $3,177 | $3,298 |
| Nationwide | $4,143 | $4,143 |
| Progressive | $6,585 | $6,585 |
| State Farm | $2,887 | $2,887 |
| USAA | $2,534 | $2,599 |
Cheap Chester, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Chester, Texas? Check out the comparison of annual Chester, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,353 | $5,433 | $5,655 |
| American Family | $4,666 | $4,818 | $5,569 |
| Geico | $3,077 | $3,198 | $3,439 |
| Nationwide | $4,461 | $3,963 | $4,006 |
| Progressive | $6,102 | $6,549 | $7,103 |
| State Farm | $2,748 | $2,875 | $3,037 |
| USAA | $2,483 | $2,556 | $2,660 |
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Best By Category: Cheapest Auto Insurance in Chester, Texas
Compare the cheapest auto insurance companies in Chester, Texas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
The Cheapest Chester, Texas Auto Insurance Companies
What auto insurance companies in Chester, Texas are the cheapest? Compare the top Chester, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,480 |
| American Family | $5,017 |
| Geico | $3,238 |
| Nationwide | $4,143 |
| Progressive | $6,585 |
| State Farm | $2,887 |
| USAA | $2,567 |
What affects auto insurance rates in Chester, Texas?
There are a lot of reasons why auto insurance rates in Chester, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Chester, Texas. Many local factors may affect your Chester auto insurance rates.
Chester Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Chester, Texas commute length is 36.5 minutes according to City-Data.
Chester Traffic
How does Chester, Texas rank for traffic? According to Inrix Chester, Texas is the 282nd most congested worldwide.
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Compare Chester, Texas Auto Insurance Quotes
Before you buy Chester, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Chester, Texas auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Chester, Texas?
The minimum auto insurance requirements in Chester, Texas, as mandated by Texas auto insurance laws, are 30/60/25 in coverage. This means you must have at least $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
How can I find the best cheap auto insurance in Chester, Texas?
To find the best cheap auto insurance in Chester, Texas, it is recommended to compare quotes from multiple companies. By obtaining quotes from different insurers, you can compare their rates and coverage options to find the most affordable and suitable policy for your needs.
How do age, gender, and marital status affect auto insurance rates in Chester, Texas?
Age, gender, and marital status can impact auto insurance rates in Chester, Texas. Generally, younger drivers, especially teenagers, tend to have higher rates due to their limited driving experience. Additionally, statistics show that males often have higher rates than females. Marital status can also affect rates, with married individuals often receiving lower premiums compared to single individuals.
Are there specific auto insurance rates for teen drivers in Chester, Texas?
Teen drivers in Chester, Texas typically face higher auto insurance rates due to their lack of driving experience and higher risk of accidents. The rates for teen drivers can vary depending on factors such as age, vehicle type, and driving record. It’s recommended to obtain quotes from multiple insurance companies to find the most affordable rates for teen drivers in Chester.
How do driving records affect auto insurance rates in Chester, Texas?
Driving records have a significant impact on auto insurance rates in Chester, Texas. Drivers with a clean record and no history of accidents or traffic violations generally receive lower rates compared to those with a history of accidents or violations. Insurance companies consider a driver’s record as an indicator of their risk level.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.