Best Cheap Auto Insurance in Chester, NJ (2021)

The average Chester, NJ auto insurance rates are $390 per month. The minimum auto insurance in Chester is at least 15/30/5 in coverage to comply with New Jersey auto insurance laws. To find the best cheap auto insurance in Chester, New Jersey, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Chester, New Jersey is 15/30/5
  • The cheapest auto insurance company in Chester is GEICO
  • The average commute length in Chester is 27.8 minutes

Chester, New Jersey auto insurance requirements are 15/30/5 according to New Jersey auto insurance laws. Finding cheap auto insurance in Chester can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Chester, New Jersey, including driving record, credit, commute time, and more.

Compare auto insurance in Chester to other New Jersey cities, including Passaic auto insurance rates, Clifton auto insurance rates, and Jersey City auto insurance rates to see how Chester, New Jersey auto insurance rates stack up.

Before you buy Chester, New Jersey auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Chester, New Jersey auto insurance quotes.

Minimum Auto Insurance in Chester, New Jersey

Chester, New Jersey auto insurance laws require that you have at least the New Jersey minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Chester, New Jersey.

Minimum Required Auto Insurance Coverage in Chester, New Jersey

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

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Cheap Chester, New Jersey Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Chester, New Jersey are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chester, New Jersey

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 $2,881 $2,868 $2,767 $2,767 $9,085 $11,381 $3,360 $3,526
Farmers $4,232 $4,273 $4,092 $4,027 $12,639 $14,551 $5,048 $5,252
GEICO $1,956 $1,905 $1,891 $1,891 $3,476 $3,553 $2,219 $2,211
Liberty Mutual $3,583 $3,583 $3,930 $3,930 $9,206 $10,444 $3,930 $4,504
Progressive $1,776 $1,657 $1,606 $1,629 $8,107 $9,157 $2,107 $2,085
State Farm $3,630 $3,630 $3,272 $3,272 $11,692 $15,026 $4,125 $4,607
Travelers $2,797 $2,738 $2,581 $2,622 $6,358 $7,198 $2,745 $2,738

Cheap Chester, New Jersey Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Chester, New Jersey is a challenge. Take a look at the annual teen auto insurance rates in Chester, New Jersey.

Annual Auto Insurance Rates for Teen Drivers in Chester, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,085 $11,381
Farmers $12,639 $14,551
GEICO $3,476 $3,553
Liberty Mutual $9,206 $10,444
Progressive $8,107 $9,157
State Farm $11,692 $15,026
Travelers $6,358 $7,198

Cheap Chester, New Jersey Auto Insurance for Seniors

What are senior auto insurance rates in Chester, New Jersey? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Chester, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,767 $2,767
Farmers $4,092 $4,027
GEICO $1,891 $1,891
Liberty Mutual $3,930 $3,930
Progressive $1,606 $1,629
State Farm $3,272 $3,272
Travelers $2,581 $2,622

Cheap Chester, New Jersey Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Chester, New Jersey compared to the annual auto insurance rates with a clean record in Chester, New Jersey.

Annual Chester, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,658 $5,978 $5,261 $4,420
Farmers $5,213 $8,912 $7,202 $5,730
GEICO $1,862 $2,441 $3,387 $1,862
Liberty Mutual $5,178 $5,915 $5,284 $5,178
Progressive $3,064 $4,007 $3,452 $3,540
State Farm $3,360 $6,088 $9,781 $5,398
Travelers $2,873 $4,239 $4,094 $3,683

Cheap Chester, New Jersey Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Chester, New Jersey is not easy. Compare the annual rates for DUI auto insurance in Chester, New Jersey to find the best deal.

Annual Auto Insurance Rates After a DUI in Chester, New Jersey

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,261
Farmers $7,202
GEICO $3,387
Liberty Mutual $5,284
Progressive $3,452
State Farm $9,781
Travelers $4,094

Cheap Chester, New Jersey Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Chester, New Jersey annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Chester, New Jersey

Insurance Company Poor Fair Good
Allstate $6,659 $4,373 $3,456
Farmers $7,957 $6,341 $5,995
GEICO $3,582 $2,073 $1,509
Liberty Mutual $6,812 $5,067 $4,287
Progressive $3,908 $3,440 $3,199
State Farm $8,893 $5,377 $4,200
Travelers $4,960 $3,665 $2,542

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Cheap Chester, New Jersey Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Chester, New Jersey can vary. Compare the annual cost of auto insurance by ZIP code in Chester, New Jersey to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Chester, New Jersey

ZIP Code Average Annual Rates
7930 $4,460

Cheap Chester, New Jersey Auto Insurance Rates By Commute

Commute length and annual mileage affect Chester, New Jersey auto insurance. Find the cheapest annual Chester, New Jersey auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Chester, New Jersey

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,821 $4,838
Farmers $6,764 $6,764
GEICO $2,369 $2,406
Liberty Mutual $5,337 $5,441
Progressive $3,516 $3,516
State Farm $6,004 $6,309
Travelers $3,722 $3,722

Cheap Chester, New Jersey Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Chester, New Jersey? Check out the comparison of annual Chester, New Jersey auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Chester, New Jersey

Insurance Company Low Medium High
Allstate $4,523 $4,888 $5,076
Farmers $6,219 $6,756 $7,318
GEICO $2,163 $2,431 $2,569
Liberty Mutual $4,849 $5,547 $5,770
Progressive $3,254 $3,566 $3,726
State Farm $5,773 $6,228 $6,469
Travelers $3,430 $3,726 $4,011

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Best By Category: Cheapest Auto Insurance in Chester, New Jersey

Compare the cheapest auto insurance companies in Chester, New Jersey in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Chester, New Jersey

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

The Cheapest Chester, New Jersey Auto Insurance Companies

What auto insurance companies in Chester, New Jersey are the cheapest? Compare the top Chester, New Jersey auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Chester, New Jersey

Insurance Company Average Annual Rates
Allstate $4,829
Farmers $6,764
GEICO $2,388
Liberty Mutual $5,389
Progressive $3,516
State Farm $6,157
Travelers $3,722

What affects auto insurance rates in Chester, New Jersey?

There are a lot of reasons why auto insurance rates in Chester, New Jersey are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Chester, New Jersey. Many local factors may affect your Chester auto insurance rates.

Chester Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Chester, New Jersey commute length is 27.8 minutes according to City-Data.

Chester Traffic

How does Chester, New Jersey rank for traffic? According to Inrix Chester, New Jersey is the 282nd most congested worldwide.

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Compare Chester, New Jersey Auto Insurance Quotes

Before you buy Chester, New Jersey auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Chester, New Jersey auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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