Compare West Chester, PA Car Insurance Rates (2021)

Car insurance in West Chester, PA averages $384 a month. West Chester, Pennsylvania car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap West Chester car insurance rates, compare quotes from the top car insurance companies in West Chester, PA.

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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 West Chester, PA are $4,607/year
  • Average car insurance rates in West Chester, PA after a DUI are $5,079/year
  • The cheapest car insurance company in West Chester is USAA

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

You’ll find West Chester car insurance rates, the cheapest West Chester, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare West Chester, Pennsylvania car insurance rates to Altoona car insurance rates, Harrisburg car insurance rates, and Pittsburgh car insurance rates.

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

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

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

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

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 $2,674 $2,674 $2,483 $2,483 $9,408 $9,408 $2,931 $2,931
GEICO $2,246 $1,942 $2,136 $1,847 $5,757 $4,988 $2,257 $1,951
Liberty Mutual $4,335 $4,335 $3,975 $3,975 $12,572 $12,572 $5,491 $5,491
Nationwide $2,060 $2,060 $1,956 $1,956 $5,857 $5,857 $2,315 $2,315
Progressive $3,080 $3,080 $2,763 $2,763 $10,048 $10,048 $3,918 $3,918
State Farm $1,807 $1,807 $1,603 $1,603 $6,631 $6,631 $2,002 $2,002
Travelers $2,163 $2,163 $2,350 $2,350 $33,187 $33,187 $2,593 $2,593
USAA $1,220 $1,220 $1,106 $1,106 $3,728 $3,728 $1,619 $1,619

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Minimum Car Insurance in West Chester, PA

Every driver must carry the minimum car insurance in West Chester, PA. Take a look at the Pennsylvania car insurance requirements.

Minimum Required Car Insurance Coverage in West Chester, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest West Chester, PA Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in West Chester, Pennsylvania

Insurance Company Poor Fair Good
Allstate $5,568 $4,183 $3,371
GEICO $4,346 $2,442 $1,883
Liberty Mutual $8,412 $6,036 $5,331
Nationwide $3,570 $2,944 $2,627
Progressive $6,540 $4,608 $3,708
State Farm $4,289 $2,652 $2,091
Travelers $10,943 $9,910 $9,367
USAA $2,399 $1,780 $1,576

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

Annual West Chester, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,181 $4,953 $4,181 $4,181
GEICO $2,130 $3,643 $2,848 $2,940
Liberty Mutual $5,986 $6,920 $6,734 $6,734
Nationwide $2,205 $2,952 $4,096 $2,935
Progressive $4,480 $6,224 $4,614 $4,491
State Farm $2,742 $3,280 $3,011 $3,011
Travelers $7,103 $10,160 $12,870 $10,160
USAA $1,540 $2,134 $2,279 $1,721

Cheapest West Chester, PA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in West Chester, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,408 $9,408
GEICO $5,757 $4,988
Liberty Mutual $12,572 $12,572
Nationwide $5,857 $5,857
Progressive $10,048 $10,048
State Farm $6,631 $6,631
Travelers $33,187 $33,187
USAA $3,728 $3,728

Cheapest West Chester, PA Car Insurance for Seniors

Take a look at West Chester, PA 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 West Chester, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,483 $2,483
GEICO $2,136 $1,847
Liberty Mutual $3,975 $3,975
Nationwide $1,956 $1,956
Progressive $2,763 $2,763
State Farm $1,603 $1,603
Travelers $2,350 $2,350
USAA $1,106 $1,106

Cheapest West Chester, PA Car Insurance Rates After a DUI

A DUI in West Chester, PA increases car insurance rates. Compare West Chester, Pennsylvania DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in West Chester, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,181
GEICO $2,848
Liberty Mutual $6,734
Nationwide $4,096
Progressive $4,614
State Farm $3,011
Travelers $12,870
USAA $2,279

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Cheapest West Chester, PA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in West Chester, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,282 $4,466
GEICO $2,845 $2,936
Liberty Mutual $6,425 $6,761
Nationwide $3,047 $3,047
Progressive $4,952 $4,952
State Farm $2,921 $3,100
Travelers $10,073 $10,073
USAA $1,863 $1,973

Cheapest West Chester, PA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in West Chester, Pennsylvania

ZIP Code Average Annual Rates
19380 $5,895
19382 $5,840
19383 $5,809

The Best Cheap Car Insurance Companies in West Chester, PA

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

Average Annual Car Insurance Rates by Company in West Chester, Pennsylvania

Insurance Company Average Annual Rates
Allstate $4,374
GEICO $2,890
Liberty Mutual $6,593
Nationwide $3,047
Progressive $4,952
State Farm $3,011
Travelers $10,073
USAA $1,918

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Category Winners: Cheapest Car Insurance in West Chester, Pennsylvania

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

Best Annual Car Insurance Rates by Company in West Chester, Pennsylvania

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

Cheapest West Chester, PA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in West Chester, Pennsylvania

Insurance Company Low Medium High
Allstate $4,181 $4,401 $4,540
GEICO $2,625 $2,926 $3,120
Liberty Mutual $6,211 $6,652 $6,916
Nationwide $3,049 $3,093 $3,000
Progressive $4,465 $4,998 $5,393
State Farm $2,786 $3,061 $3,185
Travelers $10,051 $10,100 $10,070
USAA $1,757 $1,939 $2,059

What affects car insurance rates in West Chester, Pennsylvania?

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

Commute Time in West Chester

The more time you spend in your car the higher the risk of an accident. The average commute length in West Chester, PA is 23.4 minutes according to City-Data.

Traffic in West Chester

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. West Chester, PA traffic data from INRIX ranks West Chester as the 764th-most congested in the world.

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Compare Car Insurance Quotes in West Chester, PA

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

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