Compare Chester, CT Car Insurance Rates (2021)

Car insurance in Chester, CT averages $347 a month. Chester, Connecticut car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Chester car insurance rates, compare quotes from the top car insurance companies in Chester, CT.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Chester for teen drivers is GEICO
  • Average car insurance rates in Chester, CT are $4,162/year
  • The cheapest car insurance company in Chester is GEICO

If you need to buy Chester, Connecticut car insurance, the options can be confusing. Everything you need to know about car insurance in Chester, CT is right here.

You’ll find Chester car insurance rates, the cheapest Chester, CT car insurance companies, and information on Connecticut car insurance laws. You can also compare Chester, Connecticut car insurance rates to Stamford car insurance rates, Danbury car insurance rates, and New Britain car insurance rates.

Ready to find affordable Chester, CT car insurance today? Enter your ZIP code for fast, free Chester car insurance quotes.

Cheapest Chester, CT Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Chester, CT car insurance rates? Every Chester, Connecticut car insurance company weighs these factors differently, so check out the comparison rates.

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

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 $3,313 $3,291 $3,042 $3,255 $10,042 $11,850 $3,483 $3,677
GEICO $1,844 $1,848 $1,710 $1,724 $4,212 $4,999 $1,779 $1,731
Liberty Mutual $3,392 $3,685 $2,610 $3,213 $16,991 $19,140 $3,438 $3,750
Nationwide $2,062 $2,085 $1,858 $1,946 $5,616 $7,110 $2,382 $2,557
Progressive $2,381 $2,224 $2,032 $2,112 $9,905 $10,984 $2,727 $3,065
State Farm $1,638 $1,638 $1,506 $1,506 $4,921 $6,180 $1,838 $2,108
Travelers $1,604 $1,628 $1,596 $1,591 $12,148 $19,543 $1,744 $1,968
USAA $1,855 $1,837 $1,727 $1,706 $5,822 $6,120 $2,481 $2,574

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Minimum Car Insurance in Chester, CT

Every driver must carry the minimum car insurance in Chester, CT. Take a look at the Connecticut car insurance requirements.

Minimum Required Car Insurance Coverage in Chester, Connecticut

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Chester, CT Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Chester, CT. Compare credit history car insurance rates in Chester from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Chester, Connecticut

Insurance Company Poor Fair Good
Allstate $6,664 $5,053 $4,015
GEICO $3,605 $2,178 $1,660
Liberty Mutual $9,971 $6,220 $4,892
Nationwide $4,229 $2,850 $2,527
Progressive $4,821 $4,324 $4,142
State Farm $3,705 $2,378 $1,917
Travelers $5,934 $4,946 $4,803
USAA $3,987 $2,690 $2,369

Cheapest Chester, CT Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Chester, CT to rates for a clean record with top companies.

Annual Chester, Connecticut Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,474 $5,504 $6,524 $4,474
GEICO $1,574 $2,059 $4,360 $1,931
Liberty Mutual $6,155 $7,706 $7,631 $6,618
Nationwide $2,618 $3,396 $3,882 $2,912
Progressive $3,775 $5,485 $3,968 $4,487
State Farm $2,485 $2,727 $2,727 $2,727
Travelers $4,212 $4,561 $6,630 $5,508
USAA $2,343 $2,941 $4,435 $2,343

Cheapest Chester, CT Car Insurance for Teen Drivers

Teen car insurance in Chester, CT can be expensive. Take a look at rates from the top car insurance companies in Chester for teenagers.

Annual Car Insurance Rates for Teen Drivers in Chester, Connecticut

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,042 $11,850
GEICO $4,212 $4,999
Liberty Mutual $16,991 $19,140
Nationwide $5,616 $7,110
Progressive $9,905 $10,984
State Farm $4,921 $6,180
Travelers $12,148 $19,543
USAA $5,822 $6,120

Cheapest Chester, CT Car Insurance for Seniors

Take a look at Chester, CT senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Chester, Connecticut

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,042 $3,255
GEICO $1,710 $1,724
Liberty Mutual $2,610 $3,213
Nationwide $1,858 $1,946
Progressive $2,032 $2,112
State Farm $1,506 $1,506
Travelers $1,596 $1,591
USAA $1,727 $1,706

Cheapest Chester, CT Car Insurance Rates After a DUI

A DUI in Chester, CT increases car insurance rates. Compare Chester, Connecticut DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Chester, Connecticut

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,524
GEICO $4,360
Liberty Mutual $7,631
Nationwide $3,882
Progressive $3,968
State Farm $2,727
Travelers $6,630
USAA $4,435

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Cheapest Chester, CT Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Chester, CT by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Chester, Connecticut

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,244 $5,244
GEICO $2,444 $2,518
Liberty Mutual $7,027 $7,027
Nationwide $3,202 $3,202
Progressive $4,429 $4,429
State Farm $2,602 $2,732
Travelers $5,228 $5,228
USAA $2,979 $3,051

The Best Cheap Car Insurance Companies in Chester, CT

Take a look at a side-by-side comparison of the top car insurance companies in Chester, CT to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Chester, Connecticut

Insurance Company Average Annual Rates
Allstate $5,244
GEICO $2,481
Liberty Mutual $7,027
Nationwide $3,202
Progressive $4,429
State Farm $2,667
Travelers $5,228
USAA $3,015

Category Winners: Cheapest Car Insurance in Chester, Connecticut

Find the cheapest car insurance companies in Chester, CT for each category right here.

Best Annual Car Insurance Rates by Company in Chester, Connecticut

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Cheapest Chester, CT Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Chester car insurance rates. Find the cheapest Chester, CT car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Chester, Connecticut

Insurance Company Low Medium High
Allstate $4,989 $5,238 $5,505
GEICO $2,312 $2,452 $2,679
Liberty Mutual $6,769 $6,979 $7,334
Nationwide $3,253 $3,223 $3,130
Progressive $4,144 $4,392 $4,750
State Farm $2,504 $2,671 $2,826
Travelers $4,862 $5,193 $5,628
USAA $2,826 $3,018 $3,202

What affects car insurance rates in Chester, Connecticut?

What factors can have an impact on Chester, CT car insurance? There are several reasons why Chester car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Chester, Connecticut.

Commute Time in Chester

The more time you spend in your car the higher the risk of an accident. The average commute length in Chester, CT is 24.6 minutes according to City-Data.

Traffic in Chester

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Chester, CT traffic data from INRIX ranks Chester as the 282nd-most congested in the world.

Compare Car Insurance Quotes in Chester, CT

Ready to find affordable Chester, Connecticut car insurance today? Enter your ZIP code for fast, free Chester, CT car insurance quotes.

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Average Monthly Car Insurance Rates by State