Compare Chester, ID Car Insurance Rates (2021)

Car insurance in Chester, ID averages $244 a month. Chester, Idaho car insurance requirements are 25/50/15, 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, ID.

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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 USAA
  • Average car insurance rates in Chester, ID are $2,929/year
  • Average car insurance rates in Chester, ID after a DUI are $3,630/year

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

You’ll find Chester car insurance rates, the cheapest Chester, ID car insurance companies, and information on Idaho car insurance laws. You can also compare Chester, Idaho car insurance rates to Boise City car insurance rates, Twin Falls car insurance rates, and Post Falls car insurance rates.

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

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

How do age, gender, and marital status affect Chester, ID car insurance rates? Every Chester, Idaho 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, Idaho

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 $2,430 $2,415 $2,117 $2,196 $8,999 $10,399 $2,709 $2,857
American Family $2,088 $2,088 $1,859 $1,859 $7,355 $9,596 $2,088 $2,629
Farmers $1,616 $1,607 $1,426 $1,507 $7,794 $8,074 $1,862 $1,966
GEICO $2,016 $1,991 $1,919 $1,863 $4,278 $5,328 $2,718 $2,106
Liberty Mutual $1,508 $1,627 $1,215 $1,358 $4,956 $5,517 $1,602 $1,696
Nationwide $1,975 $2,021 $1,780 $1,890 $4,898 $6,036 $2,317 $2,497
State Farm $1,182 $1,182 $1,062 $1,062 $3,470 $4,385 $1,332 $1,531
Travelers $1,358 $1,379 $1,366 $1,360 $6,706 $10,608 $1,443 $1,653
USAA $1,111 $1,112 $1,081 $1,069 $3,626 $4,061 $1,473 $1,591

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Minimum Car Insurance in Chester, ID

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

Minimum Required Car Insurance Coverage in Chester, Idaho

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Chester, ID Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Chester, ID. 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, Idaho

Insurance Company Poor Fair Good
Allstate $5,638 $3,821 $3,337
American Family $4,776 $3,404 $2,905
Farmers $3,645 $3,093 $2,956
GEICO $3,377 $2,696 $2,260
Liberty Mutual $3,475 $2,138 $1,692
Nationwide $3,494 $2,818 $2,468
State Farm $2,670 $1,688 $1,344
Travelers $3,703 $3,116 $2,884
USAA $2,770 $1,608 $1,293

Cheapest Chester, ID 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, ID to rates for a clean record with top companies.

Annual Chester, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,516 $4,428 $4,945 $4,173
American Family $2,917 $4,122 $4,444 $3,299
Farmers $2,822 $3,571 $3,347 $3,188
GEICO $1,704 $2,720 $3,808 $2,879
Liberty Mutual $2,022 $2,535 $2,611 $2,571
Nationwide $2,233 $2,903 $4,061 $2,511
State Farm $1,737 $2,064 $1,901 $1,901
Travelers $1,996 $2,840 $4,923 $3,177
USAA $1,357 $1,933 $2,627 $1,644

Cheapest Chester, ID Car Insurance for Teen Drivers

Teen car insurance in Chester, ID 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, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,999 $10,399
American Family $7,355 $9,596
Farmers $7,794 $8,074
GEICO $4,278 $5,328
Liberty Mutual $4,956 $5,517
Nationwide $4,898 $6,036
State Farm $3,470 $4,385
Travelers $6,706 $10,608
USAA $3,626 $4,061

Cheapest Chester, ID Car Insurance for Seniors

Take a look at Chester, ID 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, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,117 $2,196
American Family $1,859 $1,859
Farmers $1,426 $1,507
GEICO $1,919 $1,863
Liberty Mutual $1,215 $1,358
Nationwide $1,780 $1,890
State Farm $1,062 $1,062
Travelers $1,366 $1,360
USAA $1,081 $1,069

Cheapest Chester, ID Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Chester, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,945
American Family $4,444
Farmers $3,347
GEICO $3,808
Liberty Mutual $2,611
Nationwide $4,061
State Farm $1,901
Travelers $4,923
USAA $2,627

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Cheapest Chester, ID Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Chester, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,265 $4,265
American Family $3,619 $3,771
Farmers $3,232 $3,232
GEICO $2,730 $2,825
Liberty Mutual $2,435 $2,435
Nationwide $2,927 $2,927
State Farm $1,855 $1,947
Travelers $3,234 $3,234
USAA $1,868 $1,913

The Best Cheap Car Insurance Companies in Chester, ID

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

Average Annual Car Insurance Rates by Company in Chester, Idaho

Insurance Company Average Annual Rates
Allstate $4,265
American Family $3,695
Farmers $3,232
GEICO $2,778
Liberty Mutual $2,435
Nationwide $2,927
State Farm $1,901
Travelers $3,234
USAA $1,890

Category Winners: Cheapest Car Insurance in Chester, Idaho

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

Best Annual Car Insurance Rates by Company in Chester, Idaho

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

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Cheapest Chester, ID 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, ID car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Chester, Idaho

Insurance Company Low Medium High
Allstate $4,092 $4,256 $4,447
American Family $3,705 $3,879 $3,502
Farmers $3,076 $3,195 $3,424
GEICO $2,640 $2,773 $2,920
Liberty Mutual $2,297 $2,431 $2,576
Nationwide $2,884 $3,077 $2,819
State Farm $1,793 $1,905 $2,004
Travelers $3,182 $3,282 $3,239
USAA $1,838 $1,888 $1,945

What affects car insurance rates in Chester, Idaho?

What factors can have an impact on Chester, ID 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, Idaho.

Car Theft in Chester

High levels of vehicle theft can make car insurance more expensive. Chester, ID car theft statistics from the FBI indicate 6 vehicle thefts a year.

Traffic in Chester

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

Compare Car Insurance Quotes in Chester, ID

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

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