Best Cheap Auto Insurance in Chester, TX (2021)

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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 17, 2021

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chester, Texas

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Chester, Texas

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.

Annual Chester, Texas Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Chester, Texas

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.

Annual Auto Insurance Rates by Credit Score in Chester, Texas

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.

Annual Auto Insurance Rates by ZIP Code in Chester, Texas

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.

Annual Auto Insurance Rates by Commute Length in Chester, Texas

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.

Annual Auto Insurance Rates by Coverage Level in Chester, Texas

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.

Best Annual Auto Insurance Rates by Company in Chester, Texas

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.

Average Annual Auto Insurance Rates by Company in Chester, Texas

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.

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