Compare Chester, VA Car Insurance Rates (2021)

Car insurance in Chester, VA averages $200 a month. Chester, Virginia 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, VA.

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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

  • The cheapest car insurance company in Chester for teen drivers is USAA
  • The cheapest ZIP code in Chester is 23834
  • Average car insurance rates in Chester, VA are $2,396/year

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

You’ll find Chester car insurance rates, the cheapest Chester, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Chester, Virginia car insurance rates to Richmond car insurance rates, Portsmouth car insurance rates, and Suffolk car insurance rates.

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

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

How do age, gender, and marital status affect Chester, VA car insurance rates? Every Chester, Virginia 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, Virginia

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 $2,043 $1,926 $2,033 $2,033 $6,386 $7,313 $2,656 $2,651
GEICO $1,530 $1,519 $1,455 $1,455 $3,335 $4,438 $1,778 $1,748
Nationwide $1,531 $1,539 $1,357 $1,393 $3,705 $4,771 $1,692 $1,840
Progressive $1,185 $1,117 $1,081 $1,081 $5,596 $6,274 $1,428 $1,445
State Farm $1,449 $1,449 $1,316 $1,316 $4,488 $5,633 $1,641 $1,887
USAA $1,098 $1,083 $1,027 $1,036 $3,336 $3,962 $1,411 $1,551

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Minimum Car Insurance in Chester, VA

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

Minimum Required Car Insurance Coverage in Chester, Virginia

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, VA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Chester, VA. 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, Virginia

Insurance Company Poor Fair Good
Allstate $4,116 $3,298 $2,727
GEICO $2,397 $2,037 $2,037
Nationwide $2,638 $2,121 $1,927
Progressive $2,663 $2,344 $2,196
State Farm $3,410 $2,113 $1,669
USAA $2,420 $1,653 $1,366

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

Annual Chester, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,521 $4,050 $3,693 $3,256
GEICO $1,644 $2,127 $3,213 $1,644
Nationwide $1,937 $1,937 $2,842 $2,199
Progressive $2,041 $2,731 $2,452 $2,379
State Farm $2,182 $2,613 $2,397 $2,397
USAA $1,406 $1,826 $2,402 $1,617

Cheapest Chester, VA Car Insurance for Teen Drivers

Teen car insurance in Chester, VA 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, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,386 $7,313
GEICO $3,335 $4,438
Nationwide $3,705 $4,771
Progressive $5,596 $6,274
State Farm $4,488 $5,633
USAA $3,336 $3,962

Cheapest Chester, VA Car Insurance for Seniors

Take a look at Chester, VA 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, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,033 $2,033
GEICO $1,455 $1,455
Nationwide $1,357 $1,393
Progressive $1,081 $1,081
State Farm $1,316 $1,316
USAA $1,027 $1,036

Cheapest Chester, VA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Chester, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,693
GEICO $3,213
Nationwide $2,842
Progressive $2,452
State Farm $2,397
USAA $2,402

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Cheapest Chester, VA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Chester, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,276 $3,485
GEICO $2,117 $2,197
Nationwide $2,229 $2,229
Progressive $2,401 $2,401
State Farm $2,337 $2,458
USAA $1,746 $1,880

Cheapest Chester, VA Car Insurance Rates by ZIP Code

Chester car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Chester, VA.

Annual Car Insurance Rates by ZIP Code in Chester, Virginia

ZIP Code Average Annual Rates
23831 $2,099
23834 $2,061
23836 $2,078

The Best Cheap Car Insurance Companies in Chester, VA

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

Average Annual Car Insurance Rates by Company in Chester, Virginia

Insurance Company Average Annual Rates
Allstate $3,380
GEICO $2,157
Nationwide $2,229
Progressive $2,401
State Farm $2,397
USAA $1,813

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Category Winners: Cheapest Car Insurance in Chester, Virginia

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

Best Annual Car Insurance Rates by Company in Chester, Virginia

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

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

Annual Car Insurance Rates by Coverage Level in Chester, Virginia

Insurance Company Low Medium High
Allstate $3,265 $3,380 $3,495
GEICO $2,056 $2,154 $2,261
Nationwide $2,333 $2,208 $2,145
Progressive $2,270 $2,367 $2,565
State Farm $2,243 $2,394 $2,555
USAA $1,732 $1,816 $1,890

What affects car insurance rates in Chester, Virginia?

What factors can have an impact on Chester, VA 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, Virginia.

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, VA is 56.3 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, VA traffic data from INRIX ranks Chester as the 282nd-most congested in the world.

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Compare Car Insurance Quotes in Chester, VA

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

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