Compare Chester, MA Car Insurance Rates (2021)

Car insurance in Chester, MA averages $223 a month. Chester, Massachusetts car insurance requirements are 20/40/5, 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, MA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • Average car insurance rates in Chester, MA are $2,679/year
  • The cheapest car insurance company in Chester is State Farm
  • Average car insurance rates in Chester, MA after a DUI are $3,285/year

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

You’ll find Chester car insurance rates, the cheapest Chester, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Chester, Massachusetts car insurance rates to Fall River car insurance rates, Lynn car insurance rates, and Worcester car insurance rates.

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

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

How do age, gender, and marital status affect Chester, MA car insurance rates? Every Chester, Massachusetts 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, Massachusetts

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 $2,010 $2,010 $2,010 $2,010 $7,210 $7,210 $2,257 $2,257
GEICO $1,671 $1,671 $1,535 $1,535 $4,896 $4,896 $1,731 $1,731
Liberty Mutual $2,439 $2,439 $2,127 $2,127 $8,005 $8,005 $2,552 $2,552
Progressive $1,982 $1,982 $1,901 $1,901 $7,367 $7,367 $2,144 $2,144
State Farm $794 $794 $794 $794 $2,165 $2,165 $794 $794
Travelers $2,431 $2,431 $2,155 $2,155 $4,899 $4,899 $2,690 $2,690
USAA $1,197 $1,197 $1,180 $1,180 $2,763 $2,763 $1,323 $1,323

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Minimum Car Insurance in Chester, MA

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

Minimum Required Car Insurance Coverage in Chester, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

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

Annual Chester, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,615 $3,877 $4,379 $2,615
GEICO $1,972 $2,698 $3,086 $2,078
Liberty Mutual $2,983 $4,061 $4,898 $3,181
Progressive $2,815 $3,957 $3,150 $3,471
State Farm $898 $1,224 $1,461 $962
Travelers $2,384 $3,280 $3,494 $3,017
USAA $1,155 $1,494 $2,524 $1,290

Cheapest Chester, MA Car Insurance for Teen Drivers

Teen car insurance in Chester, MA 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, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,210 $7,210
GEICO $4,896 $4,896
Liberty Mutual $8,005 $8,005
Progressive $7,367 $7,367
State Farm $2,165 $2,165
Travelers $4,899 $4,899
USAA $2,763 $2,763

Cheapest Chester, MA Car Insurance for Seniors

Take a look at Chester, MA 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, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,010 $2,010
GEICO $1,535 $1,535
Liberty Mutual $2,127 $2,127
Progressive $1,901 $1,901
State Farm $794 $794
Travelers $2,155 $2,155
USAA $1,180 $1,180

Cheapest Chester, MA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Chester, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,379
GEICO $3,086
Liberty Mutual $4,898
Progressive $3,150
State Farm $1,461
Travelers $3,494
USAA $2,524

Cheapest Chester, MA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Chester, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,266 $3,477
GEICO $2,410 $2,507
Liberty Mutual $3,634 $3,927
Progressive $3,348 $3,348
State Farm $1,110 $1,163
Travelers $2,901 $3,186
USAA $1,572 $1,660

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The Best Cheap Car Insurance Companies in Chester, MA

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

Average Annual Car Insurance Rates by Company in Chester, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,371
GEICO $2,458
Liberty Mutual $3,781
Progressive $3,348
State Farm $1,137
Travelers $3,044
USAA $1,616

Category Winners: Cheapest Car Insurance in Chester, Massachusetts

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

Best Annual Car Insurance Rates by Company in Chester, Massachusetts

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

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

Annual Car Insurance Rates by Coverage Level in Chester, Massachusetts

Insurance Company Low Medium High
Allstate $3,141 $3,420 $3,553
GEICO $2,279 $2,500 $2,596
Liberty Mutual $3,549 $3,828 $3,964
Progressive $3,088 $3,402 $3,555
State Farm $1,037 $1,157 $1,215
Travelers $2,773 $3,101 $3,257
USAA $1,500 $1,642 $1,706

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What affects car insurance rates in Chester, Massachusetts?

What factors can have an impact on Chester, MA 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, Massachusetts.

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, MA is 27.2 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, MA traffic data from INRIX ranks Chester as the 282nd-most congested in the world.

Compare Car Insurance Quotes in Chester, MA

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

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